Credit union · NCUA insured
Wheelhouse Credit Union CD Rates
Top CarrotWheelhouse Credit Union’s best CD rate is 4.00% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Wheelhouse Credit Union’s CD rates compare
Compared with banks and credit unions near San Diego, CA, where Wheelhouse Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wheelhouse Credit Union
4.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $366
Promotional Term Certificate
Top rate
California Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $488
2nd-highest rate
San Diego Firefighters Federal Credit Union
4.45%APY
- Term
- 12 months
- Minimum
- $2,000
- Earns on $10,000
- $445
Wheelhouse Credit Union CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo2.40%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Wheelhouse Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Promotional Term Certificate
Up to 4.00%APY · 4 terms
All new money required for promotional certificate terms. Minimum opening balance of $500 and maximum deposit of $500,000. Upon maturity, rolls into a non-promotional certificate at the prevailing APY: 4-month rolls to 6-month, 8-month and 11-month roll to 12-month, and 15-month rolls to 18-month. Penalty may be imposed for early withdrawal.
| Term | APY · $500 – $9,999 | APY · $10,000 – $89,999 | APY · $90,000 – $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 4 monthsRequires all new money. Automatically rolls into a non-promotional 6-month Certificate upon maturity at prevailing APY | 3.50% | 3.50% | 3.50% | 3.50%3.50% $500–$10k3.50% $90k–$500k | $115 |
| 8 monthsRequires all new money. Automatically rolls into a non-promotional 12-month Certificate upon maturity at prevailing APY | 3.75% | 3.75% | 3.75% | 3.75%3.75% $500–$10k3.75% $90k–$500k | $248 |
| 11 monthsRequires all new money. Automatically rolls into a non-promotional 12-month Certificate upon maturity at prevailing APY | 4.00% | 4.00% | 4.00% | 4.00%4.00% $500–$10k4.00% $90k–$500k | $366 |
| 15 monthsRequires all new money. Automatically rolls into a non-promotional 18-month Certificate upon maturity at prevailing APY | 3.25% | 3.25% | 3.25% | 3.25%3.25% $500–$10k3.25% $90k–$500k | $408 |
Sources (1)
- wheelhousecu.com/certificates · captured Sep 16, 2026
Term Certificate
Up to 3.75%APY · 7 terms
Membership required. Minimum opening deposit starts at $500. Dividends paid quarterly and remain on deposit until maturity. Penalty may be imposed for early withdrawal.
| Term | APY · $500 – $9,999 | APY · $10,000 – $89,999 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 1.70% | 1.70% | 1.70% | 1.70%1.70% $500–$10k1.70% from $90k | $42 |
| 6 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $500–$10k3.50% from $90k | $173 |
| 12 months | 3.75% | 3.75% | 3.75% | 3.75%3.75% $500–$10k3.75% from $90k | $375 |
| 18 months | 3.30% | 3.30% | 3.30% | 3.30%3.30% $500–$10k3.30% from $90k | $499 |
| 24 months | 3.25% | 3.25% | 3.25% | 3.25%3.25% $500–$10k3.25% from $90k | $661 |
| 36 months | 2.40% | 2.40% | 2.40% | 2.40%2.40% $500–$10k2.40% from $90k | $737 |
| 60 months | 2.40% | 2.40% | 2.40% | 2.40%2.40% $500–$10k2.40% from $90k | $1,259 |
Sources (1)
- wheelhousecu.com/certificates · captured Sep 16, 2026
Special-purpose accounts
IRA Promotional Term Certificate
Up to 4.00%APY · 4 terms
IRA Promotional Term Certificates require all new money with a minimum opening balance of $500 and a maximum deposit of $500,000. Upon maturity, a promotional 4-month IRA Certificate will roll into a non-promotional 6-month IRA Certificate, a promotional 8-month IRA Certificate will roll into a non-promotional 12-month IRA Certificate, a promotional 11-month IRA Certificate will roll into a non-promotional 12-month IRA Certificate, and a promotional 15-month IRA Certificate will roll into a non-promotional 18-month IRA Certificate at the prevailing APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsIRA Promotional Term Certificate. New money required. Minimum opening balance $500. Maximum deposit $500,000. APY assumes principal and dividends paid quarterly remain on deposit until maturity | 3.50% | $115 |
| 8 monthsIRA Promotional Term Certificate. New money required. Minimum opening balance $500. Maximum deposit $500,000. APY assumes principal and dividends paid quarterly remain on deposit until maturity | 3.75% | $248 |
| 11 monthsIRA Promotional Term Certificate. New money required. Minimum opening balance $500. Maximum deposit $500,000. APY assumes principal and dividends paid quarterly remain on deposit until maturity | 4.00% | $366 |
| 15 monthsIRA Promotional Term Certificate. New money required. Minimum opening balance $500. Maximum deposit $500,000. APY assumes principal and dividends paid quarterly remain on deposit until maturity | 3.25% | $408 |
Sources (1)
- wheelhousecu.com/iras · captured Sep 16, 2026
Term IRA Certificate
Up to 3.75%APY · 6 terms
Membership required. Minimum opening deposit starts at $500. 3-month term not available on IRA Certificates. Dividends paid quarterly and remain on deposit until maturity. Penalty may be imposed for early withdrawal.
| Term | APY · $500 – $9,999 | APY · $10,000 – $89,999 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $500–$10k3.50% from $90k | $173 |
| 12 months | 3.75% | 3.75% | 3.75% | 3.75%3.75% $500–$10k3.75% from $90k | $375 |
| 18 months | 3.30% | 3.30% | 3.30% | 3.30%3.30% $500–$10k3.30% from $90k | $499 |
| 24 months | 3.25% | 3.25% | 3.25% | 3.25%3.25% $500–$10k3.25% from $90k | $661 |
| 36 months | 2.40% | 2.40% | 2.40% | 2.40%2.40% $500–$10k2.40% from $90k | $737 |
| 60 months | 2.40% | 2.40% | 2.40% | 2.40%2.40% $500–$10k2.40% from $90k | $1,259 |
Who can join Wheelhouse Credit Union
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