☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Wheelhouse Credit Union

iAdvertiser Disclosure

Wheelhouse Credit Union Rates & Review November 2026

Q: What are the current interest rates at Wheelhouse Credit Union?

Current rates for Wheelhouse Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.30%, 24-Month CD: 3.25%, 60-Month CD: 2.40%, Savings: 1.00%, MMA: 0.25%

Q: What CD terms does Wheelhouse Credit Union offer?

Wheelhouse Credit Union CD rates are 3.75% APY for an 8 month CD, 4.00% APY for an 11 month CD, 3.75% APY for a 12 month CD, 3.30% APY for an 18 month CD, 3.25% APY for a 2 year CD and 2.40% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Wheelhouse Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Wheelhouse Credit Union's 11 Month Promotional Term CD rates are at 4.00%, 11-Month CD rates are at 4.00%, CD - 11 month rates are at 4.00%, 12 Month Term CD rates are at 3.75%, 8 Month Promotional Term CD rates are at 3.75%. Wheelhouse Credit Union's savings rates are at 1.00%. Wheelhouse Credit Union's money market rates are at 0.25%. Wheelhouse Credit Union's checking rates are as high as 3.00%. Wheelhouse Credit Union's Auto Loan Rates are as low as 3.99%. Wheelhouse Credit Union's Credit Card Rates are at 13.24%. Wheelhouse Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 1.23%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.23%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Wheelhouse Credit Union
Kearny

9212 Balboa Ave
San Diego, CA 92123-1514

https://www.wheelhousecu.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Wheelhouse Credit Union CD Rates

Product	Rate	APY	Term
11 Month Promotional Term Certificate	3.94%	4.00%	11 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
11 Month Promotional Term Certificate	3.94%	4.00%	11 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $89,999; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
11 Month Promotional Term Certificate	3.94%	4.00%	11 months
Min Deposit $500 Min Balance $90,000 Details Balance: $90,000 - $500,000; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
11-Month Certificate	-	4.00%	11-month
Min Deposit $500 Details New money required; promotional certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Certificate - 11 month	-	4.00%	11 months
Min Deposit $500 Details Featured rate on homepage card; Promotional certificate: new money required, minimum opening balance $500, maximum deposit $500,000; rolls into non-promotional 12-month Certificate at maturity; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
12 Month Term Certificate	3.70%	3.75%	12 months
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
12 Month Term Certificate	3.70%	3.75%	12 months
Min Balance $10,000 Details Balance: $10,000 - $89,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
12 Month Term Certificate	3.70%	3.75%	12 months
Min Balance $90,000 Details Balance: $90,000 and over Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
8 Month Promotional Term Certificate	3.70%	3.75%	8 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
8 Month Promotional Term Certificate	3.70%	3.75%	8 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $89,999; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
8 Month Promotional Term Certificate	3.70%	3.75%	8 months
Min Deposit $500 Min Balance $90,000 Details Balance: $90,000 - $500,000; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Certificate - 8 month	-	3.75%	8 months
Min Deposit $500 Details Featured rate on homepage card; Promotional certificate: new money required, minimum opening balance $500, maximum deposit $500,000; rolls into non-promotional 12-month Certificate at maturity; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
4 Month Promotional Term Certificate	3.45%	3.50%	4 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
4 Month Promotional Term Certificate	3.45%	3.50%	4 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $89,999; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
4 Month Promotional Term Certificate	3.45%	3.50%	4 months
Min Deposit $500 Min Balance $90,000 Details Balance: $90,000 - $500,000; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
6 Month Term Certificate	3.45%	3.50%	6 months
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
6 Month Term Certificate	3.45%	3.50%	6 months
Min Balance $10,000 Details Balance: $10,000 - $89,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
6 Month Term Certificate	3.45%	3.50%	6 months
Min Balance $90,000 Details Balance: $90,000 and over Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Certificate - 4 month	-	3.50%	4 months
Min Deposit $500 Details Featured rate on homepage card; Promotional certificate: new money required, minimum opening balance $500, maximum deposit $500,000; rolls into non-promotional 6-month Certificate at maturity; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
18 Month Term Certificate	3.26%	3.30%	18 months
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
18 Month Term Certificate	3.26%	3.30%	18 months
Min Balance $10,000 Details Balance: $10,000 - $89,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
18 Month Term Certificate	3.26%	3.30%	18 months
Min Balance $90,000 Details Balance: $90,000 and over Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
15 Month Promotional Term Certificate	3.21%	3.25%	15 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
15 Month Promotional Term Certificate	3.21%	3.25%	15 months
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $89,999; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
15 Month Promotional Term Certificate	3.21%	3.25%	15 months
Min Deposit $500 Min Balance $90,000 Details Balance: $90,000 - $500,000; New money required; Promotional rate; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
24 Month Term Certificate	3.21%	3.25%	24 months
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
24 Month Term Certificate	3.21%	3.25%	24 months
Min Balance $10,000 Details Balance: $10,000 - $89,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
24 Month Term Certificate	3.21%	3.25%	24 months
Min Balance $90,000 Details Balance: $90,000 and over Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Certificate - 24 month	-	3.25%	24 months
Details Featured rate on homepage card Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
36 Month Term Certificate	2.38%	2.40%	36 months
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
36 Month Term Certificate	2.38%	2.40%	36 months
Min Balance $10,000 Details Balance: $10,000 - $89,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
36 Month Term Certificate	2.38%	2.40%	36 months
Min Balance $90,000 Details Balance: $90,000 and over Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
60 Month Term Certificate	2.38%	2.40%	60 months
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
60 Month Term Certificate	2.38%	2.40%	60 months
Min Balance $10,000 Details Balance: $10,000 - $89,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
60 Month Term Certificate	2.38%	2.40%	60 months
Min Balance $90,000 Details Balance: $90,000 and over Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
3 Month Term Certificate	1.69%	1.70%	3 months
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
3 Month Term Certificate	1.69%	1.70%	3 months
Min Balance $10,000 Details Balance: $10,000 - $89,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
3 Month Term Certificate	1.69%	1.70%	3 months
Min Balance $90,000 Details Balance: $90,000 and over Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Wheelhouse Credit Union Savings Rates

Product	Rate	APY
Smart Start Program - Aspire First Savings	1.00%	1.00%
Min Balance $0 Details Balance: $0+; Ages: birth to 13 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Smart Start Program - Aspire Savings	1.00%	1.00%
Min Balance $0 Details Balance: $0+; Ages: 13 to 25 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Inspired Share/Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Inspired Share/Savings	0.05%	0.05%
Details Balance: <$9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Share Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0+; Dividend period is monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Wheelhouse Credit Union Money Market Rates

Product	Rate	APY
Inspired Money Market	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Inspired Money Market	0.10%	0.10%
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Money Market	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 - $89,999.99; Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Money Market	0.10%	0.10%
Min Balance $90,000 Details Balance: $90,000 and above; Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Money Market	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Money Market	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Money Market	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Average Daily Balance Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Wheelhouse Credit Union Checking Rates

Product	Rate	APY
Inspired & Inspired Plus Checking Account	2.96%	3.00%
Details Qualifications Required; Minimum of 20 Debit Card Purchase Transactions per calendar month; Rates effective as of 09/04/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Inspired Checking	-	3.00%
Min Balance $0 Details Qualifications Required; Balance: <$9,999.99; Minimum of 20 Debit Card Purchase Transactions per calendar month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Inspired Plus Checking	-	3.00%
Min Deposit $10 Details Qualifications Required: 20 qualifying debit card purchases per calendar month; $10 initial minimum deposit; at least $450 in recurring monthly direct deposits; active digital banking registration; eStatements enrollment; APY of 3.00%; no minimum balance required to earn dividends; within 90 days of account opening; $9 monthly fee; same requirements as Inspired Checking plus monthly fee; Online Only Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Wheelhouse Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 48-Month Term	-	-	3.99%	48-Month
Details Discounted rate when financing through auto buying partner and purchasing two ancillary products Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loan - 2023 And Newer	-	-	4.99%	Up to 48 months
Details As Low As; APR* as low as Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.99% ▲ 1.00 pts · high 4.99% / low 3.99% Oct 9, 20264.99%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loan - 2023 And Newer	-	-	5.24%	Up to 66 months
Details As Low As; APR* as low as Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loan - 2023 And Newer	-	-	5.74%	67-75 months
Details As Low As; APR* as low as Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loan - 2019 - 2022 Model Year	-	-	5.99%	Up to 48 months
Details As Low As; Model Year: 2019 - 2022; Estimated Monthly Payment per $1,000: $23.48 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loans (2019 - 2022)	-	-	5.99%	Up to 48 months
Details As Low As; Estimated Monthly Payment per $1,000: $23.48; Rates effective as of September 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loan - 2019 - 2022 Model Year	-	-	6.24%	Up to 66 months
Details As Low As; Model Year: 2019 - 2022; Estimated Monthly Payment per $1,000: $17.94 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loans (2019 - 2022)	-	-	6.24%	Up to 66 months
Details As Low As; Estimated Monthly Payment per $1,000: $17.94; Rates effective as of September 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loan - 2023 And Newer	-	-	6.49%	76-84 months
Details As Low As; APR* as low as Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loan - 2019 - 2022 Model Year	-	-	6.74%
Details Model year 2022; As Low As; Model Year: 2019 - 2022; Estimated Monthly Payment per $1,000: $16.38 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loans (2019 - 2022)	-	-	6.74%	67-75 months
Details As Low As; Estimated Monthly Payment per $1,000: $16.38; Rates effective as of September 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loan - 2019 - 2022 Model Year	-	-	7.49%
Details Model year 2022; As Low As; Model Year: 2019 - 2022; Estimated Monthly Payment per $1,000: $15.33 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Auto Loans (2019 - 2022)	-	-	7.49%	76 - 84 months
Details As Low As; Estimated Monthly Payment per $1,000: $15.33; Rates effective as of September 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Wheelhouse Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans (2023 and Newer)	-	6.99%	Up to 48 months
Details As Low As; Minimum Loan Amount: $5,000; Maximum Discounted APR: 6.49%; Estimated monthly payment per $1,000: $23.94 standard, $23.71 discounted; Discount requires automatic loan payments from Inspired/Inspired Plus Checking and other conditions Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RV & Trailer (2023 and Newer) Loan	-	6.99%	Up to 66 months
Details As Low As; Minimum Loan Amount: $7,500; Maximum Discounted APR as low as: 6.24% Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Motorcycle Loans (2023 and Newer)	-	7.24%	49-66 months
Details As Low As; Minimum Loan Amount: $7,500; Maximum Discounted APR: 6.74%; Estimated monthly payment per $1,000: $18.41 standard, $18.17 discounted; Discount requires automatic loan payments from Inspired/Inspired Plus Checking and other conditions Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Motorcycle Loans (2019 - 2022)	-	7.49%	Up to 48 months
Details As Low As; Maximum Discounted APR (requires qualifying discounts per footnote); Minimum Loan Amount: $2,500 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 7.49% ▼ 0.50 pts · high 7.99% / low 7.49% Oct 19, 20267.49%▼ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RV & Trailer (2023 and Newer) Loan	-	7.49%	67 - 96 months
Details As Low As; Minimum Loan Amount: $25,000; Maximum Discounted APR as low as: 6.74% Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Motorcycle Loans (2019 - 2022)	-	7.74%	49 - 66 months
Details As Low As; Maximum Discounted APR (requires qualifying discounts per footnote); Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 8.24% → 7.74% ▼ 0.50 pts · high 8.24% / low 7.74% Oct 19, 20267.74%▼ from 8.24% Sep 18, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Motorcycle Loans (2019 - 2022)	-	7.99%	Up to 48 months
Details As Low As; Standard APR; Minimum Loan Amount: $2,500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RV & Trailer (2017 - 2022) Loan	-	7.99%	Up to 66 months
Details As Low As; Minimum Loan Amount: $7,500; Maximum Discounted APR: 7.24%; Model years 2017 to 2020 per page footnote Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RV & Trailer (2023 and Newer) Loan	-	7.99%	97 - 144 months
Details As Low As; Minimum Loan Amount: $50,000; Maximum Discounted APR as low as: 7.24% Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Motorcycle Loans (2019 - 2022)	-	8.24%	49 - 66 months
Details As Low As; Standard APR; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Motorcycle Loans (2023 and Newer)	-	8.24%	67-75 months
Details As Low As; Minimum Loan Amount: $10,000; Maximum Discounted APR: 7.74%; Estimated monthly payment per $1,000: $17.10 standard, $16.86 discounted; Discount requires automatic loan payments from Inspired/Inspired Plus Checking and other conditions Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RV & Trailer (2017 - 2022) Loan	-	8.49%	67 - 96 months
Details As Low As; Minimum Loan Amount: $25,000; Maximum Discounted APR: 7.74%; Model years 2017 to 2020 per page footnote Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Motorcycle Loans (2019 - 2022)	-	8.74%	67 - 75 months
Details As Low As; Maximum Discounted APR (requires qualifying discounts per footnote); Minimum Loan Amount: $10,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 9.24% → 8.74% ▼ 0.50 pts · high 9.24% / low 8.74% Oct 19, 20268.74%▼ from 9.24% Sep 18, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RV & Trailer (2023 and Newer) Loan	-	8.74%	145 - 180 months
Details As Low As; Minimum Loan Amount: $50,000; Maximum Discounted APR as low as: 7.99% Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RV & Trailer (2017 - 2022) Loan	-	8.99%	97 - 144 months
Details As Low As; Minimum Loan Amount: $50,000; Maximum Discounted APR: 8.24%; Model years 2017 to 2020 per page footnote Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 8.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Motorcycle Loans (2019 - 2022)	-	9.24%	67 - 75 months
Details As Low As; Standard APR; Minimum Loan Amount: $10,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
RV & Trailer (2017 - 2022) Loan	-	9.74%	145 - 180 months
Details As Low As; Minimum Loan Amount: $50,000; Maximum Discounted APR: 8.99%; Model years 2017 to 2020 per page footnote Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Boats & Sports Craft Loan	-	10.24%	Up to 66 months
Details As Low As; Model Year: 2023 & Newer; Minimum Loan Amount: $7,500; Standard APR Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 11.24% → 10.24% ▼ 1.00 pts · high 11.24% / low 10.24% Oct 26, 202610.24%▼ from 11.24% Sep 18, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Boats & Sports Craft Loan	-	11.24%	67 - 96 months
Details As Low As; Model Year: 2023 & Newer; Minimum Loan Amount: $25,000; Standard APR Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 12.24% → 11.24% ▼ 1.00 pts · high 12.24% / low 11.24% Oct 26, 202611.24%▼ from 12.24% Sep 18, 202612.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Boats & Sports Craft Loan	-	11.24%	Up to 66 months
Details As Low As; Model Year: 2019 - 2022; Minimum Loan Amount: $7,500; Maximum Discounted APR: 10.49% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 11.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Boats & Sports Craft Loan	-	12.24%	97 - 144 months
Details As Low As; Model Year: 2023 & Newer; Minimum Loan Amount: $50,000; Standard APR Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 13.24% → 12.24% ▼ 1.00 pts · high 13.24% / low 12.24% Oct 26, 202612.24%▼ from 13.24% Sep 18, 202613.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Boats & Sports Craft Loan	-	12.24%	67 - 96 months
Details As Low As; Model Year: 2019 - 2022; Minimum Loan Amount: $25,000; Maximum Discounted APR: 11.49% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 12.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Boats & Sports Craft Loan	-	13.24%	97 - 144 months
Details As Low As; Model Year: 2019 - 2022; Minimum Loan Amount: $50,000; Maximum Discounted APR: 12.49% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 13.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Wheelhouse Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	13.24%
Details Published APR range: 13.24% - 25.24%. As Low As; APR range as printed; APR will vary with the market based on the prime rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 12.99% → 13.24% ▲ 0.25 pts · high 13.24% / low 12.99% Oct 26, 202613.24%▲ from 12.99% Sep 14, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Visa Platinum Rewards Credit Card	-	14.00%
Details Published APR range: 14.00% - 26.00%. APR range as printed; APR will vary with the market based on the prime rate Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.75% → 14.00% ▲ 0.25 pts · high 14.00% / low 13.75% Oct 26, 202614.00%▲ from 13.75% Sep 14, 202613.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Wheelhouse Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Combined Loan-To-Value Up to 65%	6.99%	0.000	6.99%
Details As Low As; Combined Loan-To-Value (CLTV): Up to 65%; Loan Amount: $25,000 to $250,000; Introductory APR (as low as) 6.99% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Combined Loan-To-Value Up to 75%	6.99%	0.000	6.99%
Details As Low As; Combined Loan-To-Value (CLTV): Up to 75%; Loan Amount: $25,000 to $100,000; Introductory APR (as low as) 6.99% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Life Loan	-	-	12.49%	Up to 60 months
Details As Low As; With Ancillary Product Purchase & Inspired Checking; Loan Amount: $500 - $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%
Coverdell Education Savings	0.15%	-	0.15%
Min Balance $25 Details Balance: $25.00+; Average Daily Balance; Dividend period is monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.23%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Wheelhouse Credit Union’s Texas Ratio stayed near 1.04% in Q3 2023 to 1.23% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$460M	1.23%	5.0	A+
March 31, 2026	$457M	0.42%	5.0	A+
December 31, 2025	$448M	0.33%	5.0	A+
September 30, 2025	$425M	0.43%	5.0	A+
June 30, 2025	$420M	0.76%	5.0	A+
March 31, 2025	$428M	0.59%	5.0	A+
December 31, 2024	$442M	0.75%	5.0	A+
September 30, 2024	$438M	0.29%	5.0	A+
June 30, 2024	$440M	0.39%	5.0	A+
March 31, 2024	$437M	1.07%	5.0	A+
December 31, 2023	$436M	1.14%	5.0	A+
September 30, 2023	$433M	1.04%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 Robert Wilson

CEO Lisa Paul-Hill

Full-Time Employees 88

Part-Time Employees 1

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.23%

Return on Assets (ROA)

0.6456%

Return on Equity (ROE)

7.6590%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

459,695,872

Total Amount of Shares and Deposits

409,814,259

Total Shares and Deposits < 1 Year

400,058,191

Total Shares and Deposits 1 3 Years

8,067,776

Total Shares and Deposits > 3 Years

1,688,292

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

38,291,120

Total Uninsured Shares and Deposits > $250K (F+J)

38,291,120

Total Insured Shares and Deposits > $250K (item 17 less item K)

371,523,139

Total Interest Expense (Sum of items 6 8)

3,292,980

Share Certificates

3,006

Number of Accounts for Share Drafts

11,734

IRA KEOGH Accounts

515

Number of Accounts for Regular Shares

29,788

Money Market Shares

634

Net Income (unless the amount is already included in Undivided Earnings)

2,967,870

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

31,262,882

Total Liabilities

422,605,259

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Wheelhouse Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/wheelhouse-credit-union-rates-review-61003">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Wheelhouse Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Wheelhouse Credit Union

Frequently Asked Questions About Wheelhouse Credit Union

Does Wheelhouse Credit Union offer CDs?

Yes. Wheelhouse Credit Union current CD rates include its 11 Month Promotional Term CD at 4.00% APY, its 11-Month CD at 4.00% APY and its CD - 11 month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Wheelhouse Credit Union NCUA insured?

Yes. Wheelhouse Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Wheelhouse Credit Union?

The highest Wheelhouse Credit Union CD rate is its 11 Month Promotional Term CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Wheelhouse Credit Union offer?

Wheelhouse Credit Union CD rates are 3.75% APY for an 8 month CD, 4.00% APY for an 11 month CD, 3.75% APY for a 12 month CD, 3.30% APY for an 18 month CD, 3.25% APY for a 2 year CD and 2.40% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Wheelhouse Credit Union for its full lineup.

What is the highest savings rate at Wheelhouse Credit Union?

The highest Wheelhouse Credit Union savings rate is its Smart Start Program - Aspire First Savings at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Wheelhouse Credit Union?

The highest Wheelhouse Credit Union money market rate is its Inspired Money Market at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Wheelhouse Credit Union?

The highest Wheelhouse Credit Union checking rate is its Inspired & Inspired Plus Checking Account at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Wheelhouse Credit Union?

The lowest Wheelhouse Credit Union auto loan rate is its Auto Loan - 48-Month Term at 3.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Wheelhouse Credit Union?

The lowest Wheelhouse Credit Union credit card APR is its Visa Platinum Credit Card at 13.24% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Wheelhouse Credit Union rates compare?

Wheelhouse Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. Wheelhouse Credit Union's top rates are its 11 Month Promotional Term CD at 4.00% APY, its Smart Start Program - Aspire First Savings at 1.00% APY, its Inspired Money Market at 0.25% APY, its Inspired & Inspired Plus Checking Account at 3.00% APY, its Auto Loan - 48-Month Term at 3.99% APR and its Visa Platinum Credit Card at 13.24% APR, verified by MonitorBankRates on October 29, 2026.

Current Wheelhouse Credit Union Rates

12-Month CD3.75%
18-Month CD3.30%
24-Month CD3.25%
60-Month CD2.40%
Savings1.00%
MMA0.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Wheelhouse Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Wheelhouse Credit Union Texas Ratio

Wheelhouse Credit Union Health Trend

Wheelhouse Credit Union CD Rates

Wheelhouse Credit Union Savings Rates

Wheelhouse Credit Union Money Market Rates

Wheelhouse Credit Union Checking Rates

Wheelhouse Credit Union Auto Loan Rates

Wheelhouse Credit Union RV, Boat and Powersport Loan Rates

Wheelhouse Credit Union Credit Card Rates

Wheelhouse Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Wheelhouse Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Wheelhouse Credit Union

Does Wheelhouse Credit Union offer CDs?

Are CDs from Wheelhouse Credit Union NCUA insured?

What is the highest CD rate at Wheelhouse Credit Union?

What CD terms does Wheelhouse Credit Union offer?

What is the highest savings rate at Wheelhouse Credit Union?

What is the highest money market rate at Wheelhouse Credit Union?

What is the highest checking rate at Wheelhouse Credit Union?

What is the lowest auto loan rate at Wheelhouse Credit Union?

What is the lowest credit card APR at Wheelhouse Credit Union?

How many branches does Wheelhouse Credit Union operate?

Is a member application needed to join Wheelhouse Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Wheelhouse Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Wheelhouse Credit Union rates compare?

Current Wheelhouse Credit Union Rates

Compare to Other Credit Unions