Wheelhouse Credit Union ATM at 320 B Street provides cash access and deposit capability for members of San Diego's second-oldest credit union in the heart of downtown. Founded in 1934 as San Diego Metropolitan Credit Union and rebranded in 2018, Wheelhouse operates under NCUA Charter #61003 with NMLS #791892, stewarding over $437 million in member assets through a state-chartered, federally insured structure that maintains community development lending partnerships including San Diego Volunteer Lawyer Program, Inc. for low-income housing and consumer protection support. The downtown ATM extends the credit union's reach beyond its Kearny Mesa headquarters, serving the 32,000-plus member base with the same account access available at the full-service branch. Wheelhouse's energy-efficient and solar loan products finance residential improvements across San Diego County, and its manufactured home and ADU construction lending pairs borrowers with contractors including ADUPALS for accessory dwelling unit projects. Highest-value lending tiers include first-trust-deed mortgage origination, HELOC structuring with combined loan-to-value analysis, and commercial vehicle financing against current California property and asset valuations.