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 Wheelhouse Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 29, 2026
Wheelhouse Credit Union's Promotional Term CDs & IRA CDs 8 month rates are at 3.85%, 6 month Term CDs & IRA CDs rates are at 3.75%, Promotional Term CDs & IRA CDs 4 month rates are at 3.75%, 12 month Term CDs & IRA CDs rates are at 3.50%, Promotional Term CDs & IRA CDs 11 month rates are at 3.50%. Wheelhouse Credit Union's savings rates are at 0.05%. Wheelhouse Credit Union's money market rates are at 0.05%. Wheelhouse Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of Wheelhouse Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.46%. Rates were last updated on 03/29/2026. Wheelhouse Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Wheelhouse Credit Union? Share your experience about Wheelhouse Credit Union by leaving a review below, or read customer reviews before you decide to use Wheelhouse Credit Union. 
Wheelhouse Credit Union CD Rates
Wheelhouse Credit Union Savings Rates
Wheelhouse Credit Union Money Market Rates
Wheelhouse Credit Union Checking Rates
Wheelhouse Credit Union Home Equity & HELOC
Wheelhouse Credit Union Auto Loan Rates
Wheelhouse Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Wheelhouse Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Wheelhouse Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Wheelhouse Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Wheelhouse Credit Union
Website
https://www.wheelhousecu.com
Address
9212 Balboa Ave,
San Diego, CA 92123 1514
Phone
619-297-4835
Fax
President
Stephanie Rose
CEO
Lisa Paul Hill
Full-Time Employees
85
Part-Time Employees
1
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.46%
Return on Assets (ROA)
0.1629%
Return on Equity (ROE)
2.0824%
Non-Performing Loans Ratio (NPL)
0.04%
Total Assets
424,965,298
Total Amount of Shares and Deposits
379,930,706
Total Shares and Deposits < 1 Year
367,995,307
Total Shares and Deposits 1 3 Years
9,575,349
Total Shares and Deposits > 3 Years
2,360,050
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
36,472,815
Total Uninsured Shares and Deposits > $250K (F+J)
36,472,815
Total Insured Shares and Deposits > $250K (item 17 less item K)
343,457,891
Total Interest Expense (Sum of items 6 8)
4,817,266
Share Certificates
2,510
Number of Accounts for Share Drafts
10,837
IRA KEOGH Accounts
530
Number of Accounts for Regular Shares
29,317
Money Market Shares
681
Net Income (unless the amount is already included in Undivided Earnings)
692,246
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
32,373,643
Total Liabilities
393,328,073
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Wheelhouse Credit UnionIs Wheelhouse Credit Union a safe place to deposit money?Yes, Wheelhouse Credit Union is considered a safe financial institution. With a Texas Ratio of 0.46299507870125%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Wheelhouse Credit Union operate?Wheelhouse Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Wheelhouse Credit Union?Yes, to access services at Wheelhouse Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Wheelhouse Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Wheelhouse Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Wheelhouse Credit Union offer online and mobile banking?Most modern institutions like Wheelhouse Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wheelhousecu.com. Current Wheelhouse Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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