Chartered on August 13, 1934 as San Diego Municipal Employees Credit Union, Wheelhouse Credit Union is San Diego's second-oldest credit union and maintains its headquarters branch at 320 B Street in downtown San Diego. The institution rebranded in 2018 to Wheelhouse Credit Union to reflect expanded membership eligibility beyond city employees, now serving more than 32,000 members with access to 30,000 CO-OP ATMs and 5,000 shared branch locations—a cooperative network that includes fellow downtown institutions like Cabrillo Credit Union on Front Street. Wheelhouse holds the position of San Diego's number-one solar financing lender, offering energy-efficient and solar loan products alongside conventional checking, savings, auto loans, manufactured home loans, home mortgages, credit cards, and investment services. The 2025 San Diego Business Journal Company That Cares designation recognizes the credit union's community partnerships including the D. Cruz Gonzalez Memorial Grant for Sports4Kids, Make-A-Wish Foundation sponsorship, and I Love A Clean San Diego coastal cleanup participation. Member businesses that produce event signage, direct-mail campaigns, and branded collateral for downtown operations coordinate print runs through neighborhood vendors like RushMyPrints while drawing on Wheelhouse commercial checking for vendor payments. Highest-value lending products include residential solar panel financing with performance-based repayment structures, manufactured home loans with extended terms, and multi-property HELOC facilities requiring cross-collateralization analysis.