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Loans & Credit

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It's easy to open an account at CommonWealth One when you apply for a new credit card. Learn more about the benefits of credit union membership and just how easy it is to join your local credit union.

4.99% APR* Special Visa Balance Transfer Offer

It's time to move your high-rate balances to us! We're the only ONE with a 4.99% APR* Special Visa Balance Transfer offer for the Life of the balance.

If you are carrying balances on high-rate department store credit cards, or simply paying too much interest elsewhere, you could save hundreds of dollars in interest with our special offer.

  • Pay less in interest over the life of the balance
  • No balance transfer fees or teaser rates
  • Unlimited transfers up to your credit limit
  • Quick and easy transfers in online banking, mail or bring in the balance transfer form, at a branch, or call (866) 820-5871

You'll Save More With Our Special Visa Balance Transfer Offer...Here’s the Proof!¥

Based on a $5,700 Balance Standard Variable APR* as Low as Special Balance Transfer Offer Total Interest Plus Fees Paid Over a Three-Year Period Potential Savings with CommonWealth One!
APR Duration Fees
CommonWealth One Visa® Platinum Rewards 8.99% 4.99% Life of the Balance 0% $449
Bank of America BankAmericard Cash Rewards™ 13.49% 0% 12 3% $928 $479
Navy Federal Credit Union Visa Signature Flagship Rewards 10.24% 2.99% 12 0% $721 $271
PenFed Credit Union Visa Signature® Card 9.24% 4.99% 12 3% $720 $271
Dupont Community Credit Union Platinum Rewards Credit Card 9.99% 0% 12 0% $612 $162

Don't Have A CommonWealth One Credit Card?

Apply for your new credit card in just minutes online and get the best Visa credit card with exceptional benefits and rewards.  Rewards may be redeemed for cash or a credit to your account, plus travel, gift cards or merchandise.

New! Text Alerts Now Available for Visa Credit Card Purchases

Receive near real-time alerts about your credit card activity. You may set custom alerts to be sent to your mobile phone and email address. Make changes to your selections at any time. Click here to register your credit card for text alerts.

Visa Signature Rewards

  • Variable rates as low as 9.99% APR*
  • No annual fee, no cash advance or balance transfer fees
  • Get 10,000 bonus rewards points when you spend $1,500 in retail purchases within the first 90 days of opening your account†
  • Earn 1.25 Rewards point for every dollar spent on all purchases

Visa Platinum Rewards

  • Variable rates as low as 8.99% APR*
  • No annual fee, cash advance or balance transfer fees
  • Earn 1 Rewards point for every dollar spent on all purchases

Visa Platinum

  • Variable rates as low as 7.99% APR*
  • No annual fee, cash advance or balance transfer fees
†The Visa Signature Credit Card 10,000 bonus rewards points offer applies to new card holders only. New cardholders will receive 10,000 bonus reward points when they make $1,500 in purchases within first 90 days of account opening. Balance transfers and cash advances do not apply. 
*APR=Annual Percentage Rate. Balance transfers are considered cash advances, and interest is charged from the date of the transfer. The amount of the transfer cannot exceed your available credit line. Please continue to make payments on other accounts until the balance transfer is confirmed. If you want to close other accounts, contact the issuer directly. Balance transfers may not be applied to other CommonWealth One loan balances. 4.99% promotional rate is valid for the life of the balance. Limited time offer. Valid on balances transferred between December 26, 2016 through April 30, 2017. Federally Insured by NCUA. Equal Opportunity Lender. 
**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.
¥No rewards points on balance transfers. Other financial institution credit card rates and terms as of 1/20/17 and subject to change. **Assumption: three–years (36 months) to pay off balance of $5,700 is based on simple interest calculations with corresponding fees included.