Wheelhouse Credit Union El Cajon CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Wheelhouse, your trusted credit union located at 306 Broadway, El Cajon, CA 92021. Since opening our doors in 1934, we've been dedicated to serving our community and empowering our members with the financial tools they need to thrive. With a total membership of over 32,050, we pride ourselves on being a cooperative that puts people before profit. At Wheelhouse, we understand that every member has unique financial goals. That's why we offer a wide range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our total assets stand at an impressive $438,457,255, ensuring we have the resources to support you in achieving your dreams. Our leadership team is committed to providing exceptional service. Under the guidance of CEO Lisa Paul-Hill and Board President Stephanie Rose, our team of 80 employees works tirelessly to create a welcoming environment where your needs come first. We are also proud to provide access to online and mobile banking options so you can manage your finances conveniently from anywhere. While members can visit us at our branch location, official correspondence should be sent to our mailing address: P O Box 719099, San Diego, CA 92171-9099. Whether you're looking for guidance on loans or simply want to open a new account, we're here for you. With $45,278,441 in total deposits and a net worth of $31,861,486, we are financially stable and ready to help you navigate your financial journey. Feel free to reach out at (619) 297-4835 during our operating hours from 9:00 AM to 5:00 PM on weekdays. Join us today at Wheelhouse and experience the difference that comes from being part of a community-focused credit union! For more information or to apply for a loan, visit us online at wheelhousecu.com.

Branch History & Mission

A Journey Through Time

From our humble beginnings, Wheelhouse has evolved to meet the changing needs of our members. Our branch at 306 Broadway is more than just a financial institution; it's a place where relationships are built and dreams are realized. We are proud to say that our commitment to serving our members has never wavered. As we moved forward through the decades, we embraced advancements in technology while maintaining a personal touch that sets us apart. Our headquarters in San Diego remains a cornerstone of our operations, ensuring that we continue to provide excellent service and support to all our branches. With ongoing improvements and innovations in digital banking services, we've made it easier than ever for members to access their accounts online or via mobile apps.

Community Engagement

At Wheelhouse, we value partnerships with local organizations and actively participate in community outreach efforts. Our shared service center allows us to extend our reach even further, providing essential banking services to those who may not have easy access otherwise. Whether it's sponsoring local events or supporting charitable causes, we're committed to making a positive impact. We also understand the importance of accessibility; that's why we offer ADA-compliant facilities and strive for customer-centric initiatives that make banking convenient for everyone. With ATM availability and basic shared branch transactions, your banking experience can be smooth and hassle-free.

Join Us Today!

As you consider your financial options, remember that Wheelhouse is here for you every step of the way. Experience the benefits of being part of a credit union that truly cares about its members. Together, let's build a better tomorrow! For more information on how you can join us or open an account today, visit our website. Your journey towards financial empowerment begins here at Wheelhouse!

Our Mission

The mission of Wheelhouse is clear: we aim to provide personalized financial solutions that help our members achieve their goals while also giving back to the communities we serve. We believe in building a brighter future together one that includes not just financial success but also meaningful connections within El Cajon and beyond. While you can visit us at 306 Broadway El Cajon Ca 92021, official correspondence should be directed to P O Box 719099, San Diego, CA 92171-9099 if you need assistance or wish to reach out. Our lobby hours from 9:00 AM to 5:00 PM on weekdays ensure that we're available when you need us most.

Branch Location & Accessibility

ATM and Shared Services

For those times when you need cash quickly or prefer handling transactions on the go, we have an ATM available for your convenience. Plus, as part of a shared service network, we can assist members of partner credit unions with basic transactions like deposits and withdrawals. While members can visit us at 306 Broadway for all their banking needs, official correspondence should be sent to P O Box 719099, San Diego, CA 92171-9099 if necessary. We invite you to come see what Wheelhouse can do for you! Feel free to call us at 619-297-4835 if you have any questions or just want to chat about how we can support your financial goals. Your journey toward better banking starts here!

Operating Hours

Visit us during our convenient lobby hours from 9:00 AM to 5:00 PM, Monday through Friday. We're here to assist you with a range of services including checking and savings accounts, auto loans, mortgages, and much more.

Parking and Accessibility

We offer ample parking right outside our doors, making it simple for you to pop in for your banking needs. Our branch is fully ADA compliant, ensuring that everyone can access our services comfortably. If you need assistance, our friendly staff are always ready to help.

Member Eligibility

At Wheelhouse, we believe that everyone deserves a supportive financial community, and becoming a member is your first step towards experiencing that warmth and care. If you live, work, or worship in the area around 306 Broadway El Cajon Ca 92021, you're likely eligible to join us! We welcome individuals from various backgrounds, making it easy for you to become part of our family. For those interested in learning more about specific eligibility details, feel free to visit our website at . Joining Wheelhouse not only opens doors to competitive rates on loans and savings but also connects you with personalized service tailored to your needs. The account opening process is straightforward; you can get started by visiting https://www.wheelhousecu.com/apply-for-loan/ or simply give us a call at (619) 297-4835 if you have any questions. We're here to help you every step of the way as you embark on your financial journey with us!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. While it may seem modest, every dollar counts when it comes to empowering entrepreneurs like you.

Merchant Services

Running a business means managing cash flow effectively. Our merchant services provide practical solutions that make transactions easier for you and your customers. With tools designed to streamline payments and enhance customer experiences, you can focus on what you do best growing your business. With an outstanding commercial loan portfolio of $266,428, we continue to drive economic growth by financing new and expanding businesses. Let's work together to unlock the potential of your enterprise at our branch located at 306 Broadway El Cajon Ca 92021 in El Cajon, CA. Reach out today at (619) 297-4835 or visit us online at https://www.wheelhousecu.com/ .

Comprehensive List Of Services

Business Banking Services

For entrepreneurs, we offer tailored business banking services, including merchant services and business loans. This support allows you to focus on growing your business while we take care of your financial needs.

Credit Options with Rewards

Don't forget about our credit cards with rewards! They not only help you make purchases but also earn points for things you love. It's a great way to add value back into your spending.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. From making deposits to checking balances, everything is at your fingertips. Plus, with our ATM and cash withdrawal services, accessing your funds has never been easier.

Personal Banking Solutions

Whether you are just starting out or looking to grow your wealth, our personal banking options have you covered. We offer checking and savings accounts that fit various lifestyles and savings goals. For those dreaming of hitting the open road or upgrading their vehicle, our auto loans and vehicle financing options provide affordable solutions to get you behind the wheel quickly. If you're considering buying a home, our mortgage loans and refinancing services can help turn your dream into reality. We understand that life can be unpredictable, which is why our personal loans and debt consolidation services are designed to ease financial burdens when they arise.

Shared Branch Transactions

If you're a member of a partner credit union, don't worry! You can perform basic shared branch transactions like deposits and withdrawals right here at El Cajon. This way, no matter where you are in the network, your money is always accessible. We encourage you to explore all that Wheelhouse has to offer by visiting us at 306 Broadway El Cajon Ca 92021 or giving us a call at (619) 297-4835. Our team is ready to assist you with any questions or guidance you may need on your financial journey. Experience the difference with personalized service and comprehensive offerings at Wheelhouse!

Digital & Online Banking

Conclusion

Embrace the ease of modern banking with Wheelhouse. Our digital and online banking services are crafted for your convenience while keeping security as a priority. Explore everything we have to offer by visiting us at https://www.wheelhousecu.com/ today!

Key Features

Our online banking allows you to check balances, transfer funds, and pay bills around the clock with our 24/7 online banking services. This means you're always in control of your finances, whether it's early morning or late at night. Need to send money to a friend? With our person-to-person transfers, it's quick and easy just a few taps on your phone or computer. Security is a top priority for us. We offer electronic signature authorization, ensuring that your transactions are safe and protected. Plus, with features like e-statements available at your fingertips, you can keep track of your financial history without the clutter of paper statements.

Mobile Access

For those who prefer banking on the go, our mobile application makes it even simpler. You can manage your accounts directly from your smartphone and take advantage of mobile payments to shop conveniently wherever you are. Whether you're out running errands or relaxing at home, all the tools you need are right in your pocket.

Financial Strength

Commitment to Growth

With $31,964,452 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $1,209 in used auto loans and $348,415,423 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our $-102,966, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 79 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Trust

The trust of our growing member base is evident with a total of 43,371 share and deposit accounts. This shows how many individuals believe in the strength of Wheelhouse as their financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Wheelhouse is your trusted partner. Visit us at 306 Broadway El Cajon Ca 92021 or call (619) 297-4835 to learn more about how we can help you achieve your financial goals.

Secure Savings Opportunities

Members' savings are secured through $126,572,735 in share certificates and $31,540,497 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $31,861,486, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $738 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $19,290,822 in used vehicle loans and $13,258,811 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, our financing options make it easier than ever to drive away happy.

Business Loans

For business owners, our outstanding commercial loans totaling $266,428 provide the capital needed to grow and expand. We understand that running a business comes with unique challenges and opportunities; our loan products are tailored to support your entrepreneurial journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $12,260,313, making buying or refinancing simple. We provide support throughout the process to ensure you find the right solution for your situation.

Refinancing Options

If you're looking to lower your current payments or consolidate debt, we have refinancing options available that can save you money over time. Speak with our knowledgeable team at our branch located at 306 Broadway El Cajon Ca 92021, or give us a call at 619-297-4835 for more details on how we can assist you. At Wheelhouse, we prioritize transparency and community support. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to explore our loan offerings and see how we can help you take the next step towards financial success!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,017,963 in loans helping members manage their finances effectively. These cards come with benefits that can enhance your purchasing power while keeping your budget on track.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to transparency is based on the latest results (Source: https://www.ncua.gov ), ensuring that users receive fair and reliable offers. One of the key advantages of using LendMesh is Verified Data. All loan offers are sourced from legitimate financial institutions, which guarantees a level of transparency not often found in other comparison tools. Additionally, LendMesh stands out for its policy of No Sponsored Listings; lenders are not prioritized based on paid promotions. Instead, the focus remains on providing unbiased results that help users make informed decisions. Another significant benefit is Real-Time Rate Comparisons. Users can access up-to-date loan rates from multiple institutions, allowing them to assess their options quickly and effectively. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to explore your options? Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

WHEELHOUSE CREDIT UNION