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All Loan Rates

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Auto Loan Rates

Rates Effective: March 1, 2017
Fixed APR As Low As Sample Payment with $20,000 Loan
New Cars: 2016 models and newer
Up to 36 months 1.49% $568.41
37 - 60 months 1.74% $348.29
61 - 72 months 2.24% $297.12
73 - 84 months 2.99% $264.18
Used Cars: 2012 models and newer
Up to 36 months 1.49% $568.41
37 - 60 months 1.74% $348.29
61 - 72 months 2.24% $297.12
73 - 84 months 2.99% $264.18
Used cars: 2011 and older
Up to 60 months 3.74% $365.99
61 - 72 months 4.24% $315.10

Visa® Credit Card Rates

Rates Effective: March 1, 2017 Back to top
Interest Rates & Charges Signature Rewards Platinum Rewards Platinum Platinum Business Rewards 
Annual percentage rate (APR*) for purchases and cash advances Variable APR* between 9.99%-17.99%

Variable APR* between 8.99%-16.99%

Variable APR* between 7.99%-15.99% Variable APR* between 9.99%-17.99%
Annual percentage rate (APR*) for balance transfers 9.99%-17.99% APR*

8.99%-16.99% APR*

7.99%-15.99% APR* 9.99%-17.99% APR*
Daily Periodic Rate .0273699 - .0492877 .0246301 - .0465479 .0218904 - .0438082 .0273699 - .0492877
Method of computing the balance of purchases Average daily balance (including new purchases) Average daily balance (including new purchases) Average daily balance (including new purchases) Average daily balance (including new purchases)
Minimum finance charge If you are charged interest, the charge will be no less than $0.00. If you are charged interest, the charge will be no less than $0.00. If you are charged interest, the charge will be no less than $0.00. If you are charged interest, the charge will be no less than $0.00.
Features & Benefits Signature Rewards Platinum Rewards Platinum Platinum Business Rewards 
Technology EMV chip enabled for additional layer of protection against fraud EMV chip enabled for additional layer of protection against fraud EMV chip enabled for additional layer of protection against fraud EMV chip enabled for additional layer of protection against fraud
Signature Benefits Complimentary 24-hour Concierge Services, discounts at top retailers and online merchants, Visa Signature Perks NA NA NA
Credit line Up to $25,000 Up to $25,000 Up to $25,000 Up to $25,000
Cardholders Single or joint account, authorized users Single or joint account, authorized users Single or joint account, authorized users Single or joint account, authorized users
Rewards points Earn 1.25 CURewards points for every dollar spent on all purchases Earn 1 CURewards point for every dollar on all purchases None Earn 1 CURewards point for every dollar on all purchases
Rewards Options Redeem for cash, travel, merchandise or gift cards Redeem for cash, travel, merchandise or gift cards None Redeem for cash, travel, merchandise or gift cards
Point limits None None None None
Point expiration 5 years 5 years NA 5 years
Extended benefits Travel Accident Insurance up to $250,000, Emergency assistance service, Warranty management service Travel Accident Insurance up to $50,000 Auto rental insurance Travel Accident Insurance up to $50,000
Fees Signature Rewards Platinum Rewards Platinum Business Platinum Rewards 
Account Set-up Fee None None None None
Balance Transfer Fee None None None None
Cash Advance Fee None None None None
Foreign Transaction Fee None 1.00% of each transaction in U.S. dollars 1.00% of each transaction in U.S. dollars 1.00% of each transaction in U.S. dollars

Home Equity Rates

Rates Effective: March 1, 2017 Back to top
Rate APR* LTV Min to Max Loan Amount Sample Payment with $20,000 Loan
Zero Equity  Loan 7.15% Variable No LTV Req. $5,000 - $25,000 $233.77
10 years 7.15% Variable No LTV Req. $5,000 - $25,000 $233.77
EquityPlus
5 years 3.74% Fixed 90% LTV $5,000 - $250,000 $365.99
7 years 4.49% Fixed 90% LTV $5,000 - $250,000 $277.91
10 years 4.49% Fixed 90% LTV $15,000 - $250,000 $207.18
15 years 4.99% Fixed 90% LTV $15,000 - $250,000 $158.05
EquityLine
 6-Month Introductory Rate* 2.49% Variable 90% LTV $7,500 - $250,000
EquityFive 3.74% Variable 90% LTV $7,500 - $250,000 $118.47
20 year max 3.74% Variable 90% LTV $7,500 - $250,000 $118.47

Personal Loan Rates

Rates Effective: March 1, 2017 Back to top
Fixed APR* As Low As Variable APR* As Low As Sample Payment with $3,000 Loan 
Signature Loan
 
Up to 36 months  7.90% $93.87 (36 mos)
37-60 months 9.90% $63.59 (60 mos)
OneLine
Up to $25,000 - 8.00%
Campus Bookstore Loan
Up to $3,000 5.90%
Vacation Loan Sample Payment with $2,500 Loan 
11 month Vacation (Personal) Loan 5.90% - $234.03

Secured Loan Rates

Rates Effective: March 1, 2017 Back to top
Fixed APR* Variable APR*
Stocks/Bonds/Insurance Secured
60 months 8.70% 8.00%
72 months - 8.25%
Share Certificate Secured
60 months 3.00% above share rate -

Motorcycle Loan Rates

Rates Effective: March 1, 2017 Back to top
Fixed APR* As Low As Sample Payment with $20,000 Loan
New Motorcycles
Up to 72 months 2.99% $303.78 
Used Motorcycles
Up to 72 months 3.49%  $308.28

New / Used Boats & RV Loan Rates

Rates Effective: March 1, 2017 Back to top
Fixed APR* As Low As Sample Payment with $20,000 Loan
Up to 60 months 4.49% $372.77
84 months (minimum of $15,000) 5.49% $287.31
120 months (minimum of $35,000) 6.49% $226.99

Energy Saver Loan Rates

Rates Effective: March 1, 2017 Back to top
Fixed APR* As Low As Sample Payment with $3,000 Loan for 60 months
Alexandria Energy Saver Loan
Up to $20,000 4.90% $57
Home Performance Loan
Up to $20,000 7.90% $155

Loan Disclosures

  • *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.
  • Refinanced funds cannot be used to pay off existing CommonWealth One loan balances.

Auto Loan Disclosures

  • Sample payment of a $20,000 auto loan with 1.49% APR for 36 months term, your monthly payments will be $568.41.
  • Loans are subject to a minimum monthly payment of $45.00.
  • Refinanced funds cannot be used to pay off existing CommonWealth One loan balances.
  • Some rates quoted reflect a .50% reduction for Loan Loyalty Rewards. Example: 1.99% (current rate) less .50% Loan Loyalty Rewards equals 1.49% (your final APR). For more information, please contact us.
  • 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.

Visa Credit Card Disclosures

  • *Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact us.
  • 1Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.

Home Equity Loan and Line of Credit Disclosures

  • Loans are subject to a minimum monthly payment of $45.00.
  • LTV = Loan-to-Value. The maximum combined loan-to-value for investment properties is 90%.  The 90% LTV does not apply to the Zero Equity Home Equity Loan.
  • Home equity loans are available on primary residences located in Virginia, Maryland, and Washington, DC.
  • Please check with your tax advisor regarding loan interest deductibility.
  • *EquityLine 2.49% APR introductory rate is valid for 6 months. After 6 months, you will be charged your current rate. This offer available for a limited time.EquityLine has an interest only payment option available.
  • EquityFive rate may adjust every 5 years.
  • Closing costs include credit reports, appraisal fee, flood certification, title search, recording fees and mortgage transfer taxes. Members will be obligated to pay the closing costs associated with the closing of this loan request. If a drive by or a full appraisal is required to support the loan request, this expense will paid by the member. Total closing costs generally range from $100 to $1,000 based on the loan amount. Closing costs can be incorporated and paid with the loan proceeds. Members should retain a copy of the home equity disclosures. Member may receive a refund of any fees if the rate changes and the member decide not to complete the process.
  • Property insurance is required and flood insurance may be required.
  • Granting of a home equity loan may result in the credit union acquiring a security interest in the property.
  • Certain restrictions apply.

Personal Loan Disclosures

  • Loans are subject to a minimum monthly payment of $45.00.
  • Some rates quoted reflect a .50% reduction for Loan Loyalty Rewards. Example: 1.99% (current rate) less .50% Loan Loyalty Rewards equals 1.49% (your final APR). For more information, please contact us.
  • OneLine variable rate APR may change after loan closes.

Secured Loan Disclosures

  • Loans are subject to a minimum monthly payment of $45.00.
  • Some rates quoted reflect a .50% reduction for Loan Loyalty Rewards. Example: 2.24% (current rate) less .50% Loan Loyalty Rewards equals 1.74% (your final APR). For more information, please contact us.
  • Variable rate loan option APR may change after loan closes.
  • Maximum Stock, Bond, and Insurance Secured loan is 75% of current market value at time of loan approval.
  • Share and Certificate Secured Loans maximum loan amount is the available balance on deposit.

Motorcycle, Boat and RV Loan Disclosures

  • Loans are subject to a minimum monthly payment of $45.00.
  • Some rates quoted reflect a .50% reduction for Loan Loyalty Rewards. Example: 1.99% (current rate) less .50% Loan Loyalty Rewards equals 1.49% (your final APR). For more information, please contact us.
  • Sample payment of $20,000 Boat/RV with 4.49% APR for 60 months term, your monthly payments will be $372.77.
  • Sample payment of $10,000 Motorcycle with 2.99% APR for 72 months term, your monthly payments will be $151.89.
  • See Fee Schedule for related charges and Consumer Loan Disclosure for all terms and conditions. 

Alexandria Energy Saver Loan 

  • Obtain an unsecured loan up to $9,999 for a maximum term of 12 years.
  • Obtain a loan secured by a deed of trust on your home for amounts up to $20,000 for a term up to 15 years. The proceeds of the Alexandria Energy Saver Loan may only be used for energy efficiency improvements.
  • Loan proceeds will be paid directly to the participating contractor.
  • Sample payment: borrow $3,000 for 60 months, pay $57 per month.

Home Performance Loan

  • Obtain a loan secured by a deed of trust on your home for amounts up to $20,000 for a term up to 10 years.
  • The proceeds of the Home Performance Loan may only be used for energy efficiency improvements.
  • Loan proceeds will be paid directly to the participating contractor.
  • Sample payment: borrow $10,000 for 84 months, pay $155 per month.

Auto Loan Rates

New & Used Cars

Fixed APR
as low as

Up to 36 mos.

1.49%

37-60 mos.

1.74%

61-72 mos.

2.24%

73-84 mos.

2.99%

Credit Card Rates

Variable APR
as low as

Signature Rewards

9.99%

Platinum Rewards

8.99%

Platinum

7.99%

Home Loan Rates

Fixed APR

EquityPlus 5 Years

3.74%

EquityPlus 7 Years

4.49%

EquityPlus 10 Years

4.49%