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Wheelhouse

PO BOX 719099, San Diego, CA 92171
NCUA Insured3.3 (40 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 719099

San Diego, CA 92171

Service Area

This credit union is located in San Diego and serves members in the CA area. Currently serving 32,353 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.49%

Used Auto Loan

6.49%

Personal Loan

14.99%

Credit Card APR

19.24%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

3.3

40 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Jason Barnett

Jason Barnett

3 months ago

Their system really needs an update. The online payoff process doesn’t allow you to settle the full balance in one transaction—you’re limited to payments of $7,500 at a time, which makes things unnecessarily complicated. The portal itself feels outdated, like it hasn’t been improved in decades, and each transaction can take nearly a week to process. On top of that, customer service hasn’t been helpful. Overall, the experience is frustrating and inefficient

Trash_Mouth Vegan

Trash_Mouth Vegan

8 months ago

This morning my bank told me that this bank offered us shared banking. I arrive, there's a sign to the left of the door that they're no longer offering shared banking. Update your database, I've been driving around for 7 days now, and all listed shared branches are no longer offering shared banking And calling has helped either, because over the phone there telling me they offer it, I drive there, NO shared banking

Eric Mann

Eric Mann

5 months ago

Stay away from this place!! They have terrible customer service and every year lose at least one payment that is send directly to them from another account. Same time every month from the same bank, its on auto pay. Then you have to spend the time to prove to them that the error is their issue. They still charge you a late fee though and refuse the give it back.

Val GalXC

Val GalXC

a year ago

Absolute worst bank experience ever, I've never experienced anything so ridiculous and such an incompetent employee. I went there to cash a personal check for my security deposit that was written by my landlord and I went to her bank since that's where the personal check was issued from. they asked me for two forms of ID which I presented which is normal then they demanded my social security number which is not typical and he wouldn't cash the check without it, I said to him why do you need my social security number he said all the banks ask for that now. That's untrue. And the over kill topper was when he made me put INK on my thumb and imprint my thumb print on to the check!!!! I was there 20 minutes with him while he did all of this and I said why is this taking so long, he said oh I'm setting up an account for you here just in case you ever need to cash a check here again. An account I never asked for or wanted! This employee is crazy. and that is not something I say lightly. Never use this bank if at all possible.

Philippe Gadeyne

Philippe Gadeyne

a year ago

Update (May 2025) Now that our energy efficiency loan is almost paid off, I asked for a final pay off amount. It's pretty straightforward, not with WheelHouse CU. Finally I get a pay off amount, initiate the payment from their website. My bank transfers the full amount (I have confirmation), now Wheelhouse calls me re the payoff amount, which they already did in writing. I tell them I already initiated the full payoff payment then they call me to tell me that they only received partial payment. I tell them they need to get their acts together and apparently the caller did not like it and tells me, the customer to calm down and be polite?????? Now we are in the process of upgrading our solar system and I will make sure to work with a bank that has their act together Wheelhouse CU will only fund loans for solar and energy efficiency if the contractor accept to become a customer of theirs and I assume pay fees. We have been a Wheelhouse customer for 2 years now with the financing of our solar system, we are the ones taking the loan and paying it back, not the contractor who, by the way is a very reputable contractor coming highly recommended.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).