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Loans & Credit

Auto Loan Rates

View all loan rates.

Rates Effective: March 1, 2018
Fixed APR As Low As Sample Payment with $20,000 Loan
New Cars: 2017 and newer
Up to 36 months 1.99% $573
37 - 60 months 2.24% $353
61 - 72 months 2.74% $302
73 - 84 months 3.49% $269
Used Cars: 2013 models and newer
Up to 36 months 2.24% $575
37 - 60 months 2.49% $355
61 - 72 months 2.99% $304
73 - 84 months 3.74% $271
Used cars: 2012 and older
Up to 60 months 4.99% $377
61 - 72 months 5.49% $327

Loan Perks

Loan Loyalty Rewards

Get rewarded when you have an active checking account or loan with CommonWealth One. Our Loan Loyalty Rewards program rewards you for the relationship you have with CommonWealth One, making it beneficial to get all your loans from us. Apply for a new loan or refinance an existing loan from another financial institution and receive .50% off the interest rate on auto, personal, motorcycle, and RV loans. The more business you do with CommonWealth One, the greater the rewards!

It’s easy to qualify too. Just actively use one of the following products with us:

  • Checking Account or One Line
  • Credit Card
  • Auto, Personal, Motorcycle, Boat, RV, or Student Loan

Skip A Payment

Skip a payment on a loan and use the extra cash for the holidays, a special purchase, take a healthy chunk out of debt, or just enjoy the peace of mind of a month without bills!  You can skip eligible loans twice a year.


  • *APR = Annual Percentage Rate. Rates are subject to change at any time. All credit union rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary. Rates are subject to change at any time.
  • **125% of the purchase price, MSRP, or NADA retail value, whichever is lower.
  • Sample payment of a $20,000 auto loan with 1.99% APR for 36 months term, your monthly payments will be $572.
  • Loans are subject to a minimum monthly payment of $45.00.
  • Refinanced funds cannot be used to pay off existing CommonWealth One loan balances.
  • Rate reflects 0.50% discount for Loan Loyalty Rewards.
  • Car loans with terms of 61 to 72 months require a minimum $15,000 purchase price. Car loans with terms of 73 to 84 months require a minimum $25,000 purchase price.