Wheelhouse Credit Union San Diego CA | Quick Personal Loans & ATM Access

Introduction

Welcome to Wheelhouse, your trusted financial partner located at 320 B St, San Diego, CA 92101. Since opening our doors in 1934, we've dedicated ourselves to serving our community with a commitment to helping you achieve your financial goals. With over 32,000 members and total assets of $438,457,255, we pride ourselves on being a reliable source for personal and business banking solutions. At Wheelhouse, we believe in empowering our members through personalized service and innovative products. Whether you're looking for auto loans, mortgages, or everyday banking services, our knowledgeable team is here to guide you every step of the way. Our CEO, Lisa Paul-Hill, along with Board President Stephanie Rose, lead a passionate staff of 80 employees, all focused on providing exceptional service tailored to your needs. While members can visit us at our branch address, official correspondence should be sent to P O Box 719099, San Diego, CA 92171-9099. We invite you to explore the variety of services we offer including checking and savings accounts, credit cards with rewards, and online banking options that make managing your finances easier than ever. With total deposits amounting to $45,278,441 and robust member support reflected in our total loans of 16,167, we are well-equipped to help you navigate your financial journey. Our commitment extends beyond just numbers; we're here to make a positive impact in our community. Ready to take the next step? Call us at 619-297-4835 or visit us online at wheelhousecu.com to learn more about how we can assist you today!

Branch History & Mission

Community Commitment

Our commitment goes beyond financial products; it extends into active participation in community outreach initiatives. We strive to build partnerships with local organizations to support economic development and social well-being throughout San Diego.

Join Us

As we look towards the future, we're excited about what lies ahead. Whether you're looking for reliable banking options or seeking a supportive community partner, Wheelhouse is here for you. Visit us during our operating hours from 8:30 AM to 4:00 PM on weekdays or give us a call at 619-297-4835 to learn more about how you can become a part of our family. Experience the benefits of being a member of Wheelhouse where your financial success is our priority!

Our Journey

From our humble beginnings at 320 B St, San Diego, CA 92101, we've continually adapted to meet the evolving needs of our members. We've expanded our services and embraced technology to enhance your banking experience. Today, with total assets exceeding $438 million, we stand as a strong pillar in the community. While members can visit us at our branch address, official correspondence should be sent to P O Box 719099, San Diego, CA 92171-9099. Our location is easily accessible and just a stone's throw away from local landmarks that reflect the spirit of San Diego.

Our Mission

At Wheelhouse, our mission is simple yet profound: to provide accessible financial solutions that empower individuals and businesses while fostering community growth. We believe in the power of personal banking offering checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services tailored to meet your unique needs. We are dedicated to making banking easy and accessible for everyone. With services such as online and mobile banking, e-statements, and mobile payments available to all our members, we ensure you can manage your finances anytime and anywhere.

Branch Location & Accessibility

Welcome to Wheelhouse, your trusted credit union located right in the heart of San Diego at 320 B St. We pride ourselves on our accessible and friendly service, making it easy for you to take care of your banking needs. Whether you're stopping by for a quick transaction or need help with a loan, our dedicated team is here to assist you. While members can visit us at 320 B St, official correspondence should be sent to P O Box 719099, San Diego, CA 92171-9099. Our branch is conveniently situated near popular landmarks, so you can easily fit your banking errands into your day. Plus, with ample parking available nearby and features designed for accessibility, we ensure that everyone feels welcome. Our lobby hours are from 8:30 AM to 4:00 PM on weekdays, giving you plenty of time to visit us before or after work. If you're in need of cash outside of these hours, we have an ATM available for quick withdrawals and balance checks. Unfortunately, we currently do not offer drive-thru banking; however, our team is ready to serve you inside. At Wheelhouse, we offer a variety of services tailored to meet your financial needs from personal checking and savings accounts to auto loans and mortgage refinancing. We also provide online and mobile banking options for those who prefer managing their finances from the comfort of home. If you're a member of another credit union, don't worry! We participate in shared services, allowing you basic transactions like deposits and withdrawals. Feel free to give us a call at 619-297-4835 if you have any questions or need assistance before your visit. We look forward to seeing you soon at Wheelhouse!

Member Eligibility

At Wheelhouse, we believe that joining our community is like becoming part of a family that truly cares about your financial well-being. If you live, work, worship, or attend school in the vibrant San Diego area, you're likely eligible to become a member with us! We welcome individuals from all walks of life and are dedicated to helping you achieve your financial goals. Membership at Wheelhouse means you gain access to a wide range of services tailored just for you, including personal loans, auto financing, and credit cards with rewards. Becoming a member is easy! Simply visit us at our location at 320 B St San Diego Ca 92101 or give us a call at (619) 297-4835 for more information. If you'd like to dive deeper into the eligibility details, check out our website at . When you're ready to open an account, you can follow the straightforward steps outlined at https://www.wheelhousecu.com/apply-for-loan/ . We're excited to welcome you aboard!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

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. - With an outstanding commercial loan portfolio of $266,428, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services that simplify transactions for local businesses. Imagine having the ability to accept payments effortlessly, manage cash flow effectively, and focus on what you do best serving your customers. Our services ensure your business runs smoothly so you can concentrate on growth. Explore how Wheelhouse can be your partner in success at our branch located at 320 B St, San Diego, CA 92101. Reach out today at 619-297-4835 or visit us online at Wheelhouse to learn more!

Comprehensive List Of Services

Business Banking Support

For our business members, we provide robust services including merchant services and business loans tailored specifically for local entrepreneurs. At Wheelhouse, we recognize that small businesses are the backbone of our community, and we are committed to helping them succeed.

Convenient Access

With an ATM available on-site, withdrawing cash is hassle-free. Additionally, members can take advantage of basic shared branch transactions such as deposits and withdrawals for partner credit union members across the network.

Get Started Today!

We invite you to visit us at 320 B St San Diego Ca 92101 or call us at (619) 297-4835 during our lobby hours from 8:30 AM to 4:00 PM on weekdays. Explore how our diverse range of financial services can empower you today! For more information about any service or to start an account online, check out our website at Downtown. Your journey toward financial success starts here with us!

Home Financing Made Simple

If you're dreaming of homeownership or looking to refinance, our mortgage loans and refinancing services can guide you through the process. We strive to make it as straightforward as possible so that you can focus on what matters most making your house a home.

Personal Banking Solutions

We understand that managing your finances is essential for achieving your life goals. That's why we offer personal banking services, including checking and savings accounts designed to fit your lifestyle. With easy online and mobile banking access, you can check balances, transfer funds, and pay bills from anywhere. Our members also enjoy features like e-statements and electronic signature authentication, making banking easier than ever.

Personal Loans for Life’s Needs

Unexpected expenses can arise at any moment. That's why we offer personal loans and debt consolidation options that give you quick access to cash when you need it most. Whether it's medical bills or home repairs, we're here to help ease those financial burdens.

Rewarding Credit Card Options

Our credit cards with rewards allow you to earn while you spend. Enjoy perks like cashback or points redeemable for travel and merchandise, making every purchase rewarding.

Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options provide flexible terms and competitive rates to help you drive away with confidence. We cater to various budgets and preferences, ensuring that you find the right fit for your needs.

Digital & Online Banking

Easy Online Access

Our online banking platform allows you to keep track of your accounts in real-time. Whether you're checking your balance, transferring funds, or viewing transaction history, everything is just a login away. Plus, with 24/7 online banking services, you're never out of touch with your money.

Go Paperless

Embrace the future with our e-statements feature. Instead of waiting for paper statements to arrive in the mail, you can receive notifications directly to your inbox. This not only helps the environment but also makes it easier to stay organized.

Member-Centric Features

We believe in making banking easy for everyone. Our digital services cater to all members, allowing for simple and fast person-to-person transfers. So whether you're splitting a dinner bill or sending money to a friend, it's as straightforward as a few taps on your phone. At Wheelhouse, we're dedicated to providing tools that empower you to take control of your financial life whenever and wherever you need them!

On-the-Go Banking

With our mobile application, managing your finances has never been easier. You can check balances, pay bills, and make person-to-person transfers right from your smartphone. If you're on the go, take advantage of our mobile payments feature for quick and easy transactions without needing cash or cards.

Secure Transactions

Security is our top priority. We offer electronic signature authorization, ensuring that all your transactions are safe and secure. You can feel confident knowing that your personal information is protected while using our services.

Financial Strength

Growing Member Base

Total Share Accounts stand at 43,371, showcasing a strong and growing member base that trusts us with their finances. This trust empowers us to enhance our offerings continually. 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 320 B St San Diego Ca 92101 or call 619-297-4835 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our negative net income of -$102,966 reflects some operational challenges; however, it highlights our ongoing efforts to improve efficiency while still meeting member needs. We also take pride in having 79 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment in Member Services

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 supports members' financial goals across various sectors with $348,415,423 in total loans and leases.

Secure Savings Options

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. We provide flexible financing options for both new and used vehicles to make sure you find the perfect fit for your budget.

Business Loans

For business owners looking to grow and expand their operations, our outstanding commercial loans totaling $266,428 provide the capital needed to move forward with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $12,260,313, make buying or refinancing simple. We are here to guide you through every step of the mortgage process, ensuring you feel comfortable and informed along the way.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for new ones, we're here to help. Our team is dedicated to finding solutions tailored just for you. Our branch is located at 320 B St San Diego Ca 92101, and you can reach us at 619-297-4835 during our operating hours from 8:30 AM to 4:00 PM. For more details on how we can assist you with your lending needs or to apply for a loan today, visit us online at Wheelhouse. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take your next financial step with confidence!

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's why 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 competitive rates and rewards that can benefit your everyday spending.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the value that many have found in using this tool.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to accuracy ensures that all loan offers are fair and transparent. LendMesh prioritizes user trust by adhering to strict sourcing guidelines, which means you can rely on the information provided.

Take Action Today

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 - San Diego, CA