Start smart. Save early.
Help your child build healthy money habits with accounts
designed for young savers. From first piggy banks to first
paychecks — we’re with your family every step of the way.
Banking Designed for Every Stage
Whether your child is just starting to save or ready for full independence, we have
the right account for every age and milestone.
Access Checking
Help them establish financial independence.
Aspire Savings
Build a foundation for their financial future
Coverdell Education Savings
Save for a brighter future
The Coverdell Education Savings Account is for the specific purpose of assisting with the cost of your child’s education. Although a savings account, it’s similar to an Individual Retirement Account or Certificate Account.
Build Strong Financial Habits for Life
The earlier children learn to manage money, the more financially confident they become as adults. Wheelhouse gives your family the tools to make that happen.
Learn to Save
Children who practice saving early develop disciplined habits that carry through adulthood.
Develop Financial Confidence
Real accounts with real money teach real lessons — in a safe, supportive environment.
Save and Secure Banking
NCUA-insured accounts, fraud protection, and parental controls keep your family protected.
Local Support for Families
Our local team understands your
community and is always available to help your family grow.
Wheelhouse College Scholarship Programs
Our Badge of Honor College and Sustainability Scholarships are two distinct college scholarship programs that recognize and reward exceptional San Diego students who demonstrate traits of leadership, a commitment to public service and a desire to make a positive impact on their communities.
A Trusted Partner for Your Family
Wheelhouse Is Committed To Giving Back
Our team is actively involved in the community throughout the year, and we’re proud to support a wide variety of organizations and efforts that have a positive impact on our beautiful City.
Join 32,000+ Members
Ready to help your child get started?
Join thousands of families who trust Wheelhouse to help their children build smart money habits that last a lifetime.
Frequently Asked Questions
Like San Diego, banking is better when it’s easygoing.
When you age out of the Youth Account, Wheelhouse will help transition you to an account that best fits your financial needs and goals as an adult Member. If your financial needs change, you may be able to transition to another eligible Wheelhouse account before age 26. A Wheelhouse team member can help you compare options and find the account that best fits your goals.
Wheelhouse Access Checking and Aspire Savings accounts have no monthly service charges, making it easier for young Members to focus on saving and building healthy financial habits.
Disclosures
*APY = Annual Percentage Yield. Rates effective as of 04/17/2026 and are subject to change without notice. Membership required.
1Access checking is designed exclusively for members ages 16 to 25 and requires an initial minimum deposit of $25. Members under the age of 18, must have an adult as a joint accountholder on the account. Upon turning age 26, the Access Checking account will automatically convert to a Basic Checking account. Contact a Wheelhouse representative for more information.
Other terms and conditions may apply.
Membership required. Federally Insured by NCUA. ©2026 Wheelhouse Credit Union
2Aspire Savings is designed exclusively for members aged 13-25. No initial minimum deposit required. Aspire Savings account must have an adult as the joint owner for any persons under the age of 18. Upon turning age 26, the Aspire savings account will automatically convert to a Regular share savings account. Contact a Wheelhouse representative for more information.
Federally Insured by NCUA. ©2026 Wheelhouse Credit Union
3Earn Visa® Rewards Points each time you use your Wheelhouse® Visa® Platinum Rewards credit card on qualifying non-PIN based point-of-sale (POS) transactions. Qualifying non-PIN based POS transactions include contactless payments, card swipes, and signature-based transactions. Cash advances and ATM transactions are not considered qualifying transactions. All reward points will post to your account once qualifying transactions are verified. For every verified $1.00 charged to your Wheelhouse® Visa® Platinum Rewards credit card, you will earn one reward point. Plus, earn additional points throughout the year on qualifying categories.
Log in to digital banking to view and redeem points. For a complete list of qualifying categories, visit WheelhouseCU.com/BonusRewards. Contact the Cards & Operations Department at (619) 297-4835 with questions or disputes regarding qualifying transactions.