Effective November 1, 2018

View Mortgage Rates | View Private Student Loan Rates | View Consolidation Loan Rates

Auto Loan Rates

 
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 2.74% $357
61 - 72 months 3.24% $306
73 - 84 months 3.99% $273
Used Cars: 2013 models and newer
Up to 36 months 2.24% $575
37 - 60 months 2.99% $359
61 - 72 months 3.49% $308
73 - 84 months 4.24% $276
Used cars: 2012 and older
Up to 60 months 5.49% $382
61 - 72 months 5.99% $331

Visa® Credit Card Rates

Interest Rates & Charges Signature Rewards Platinum Rewards Platinum Platinum Business Rewards
Annual percentage rate (APR*) for purchases and cash advances

Variable APR*  between 11.99% -
18.00%

Variable APR* between 10.99% -
18.00%

Variable APR* between 9.99% -
17.99%
Variable APR* between 12.99% -
18.00%
Annual percentage rate (APR*) for balance transfer 11.99%-18.00%  APR*

10.99%-18.00% APR*

9.99%-17.99% APR* 12.99%-18.00% APR*
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

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 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

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.

  • *APR = Annual Percentage Rate. All credit union rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary.

  • †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. 

  • Visa Signature Guide to Benefits
  • Visa Platinum Rewards and Platinum Guide to Benefits
  • Visa Business Platinum Rewards Guide to Benefits

Home Equity Rates

Rate APR* LTV Min to Max Loan Amount Sample Payment with $20,000 Loan
Zero Equity  Loan
10 years 8.90% Fixed No LTV Req. $5,000 - $25,000
EquityPlus
5 years 3.99% Fixed 90% LTV $5,000 - $250,000 $365.99
7 years 4.24% Fixed 90% LTV $5,000 - $250,000 $277.91
10 years 4.74% Fixed 90% LTV $15,000 - $250,000 $207.18
15 years 5.24% Fixed 90% LTV $15,000 - $250,000 $158.05
EquityLine
 6-Month Introductory Rate1 4.49% Variable 90% LTV $7,500 - $250,000

Unsecured Loan Rates

Back to top
Fixed APR* As Low As Variable APR* As Low As Sample Payment with $3,000 Loan
Credit Builder Loan
11.11%** $87.62 (12 mos)
Signature (Personal) Loan
 
Up to 36 months 8.74% $93.87 (36 months)
37-60 months 10.74% $63.59 (60 months)
OneLine Loan
Up to $25,000 11.25%
Campus Bookstore Loan
Up to $3,000 5.90% $90.72
Vacation Loan Sample Payment with $2,500 Loan
11 month Vacation (Personal) Loan 5.90% - $233.00

Secured Loan Rates

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

Back to top
Fixed APR* As Low As Sample Payment with $20,000 Loan
New Motorcycles
Up to 72 months 3.49% $308
Used Motorcycles
Up to 72 months 3.99%  $312

New / Used Boats & RV Loan Rates

Back to top
Fixed APR* As Low As Sample Payment with $20,000 Loan
Up to 60 months 4.99% $377
84 months (minimum of $15,000) 5.99% $292
120 months (minimum of $35,000) 6.99% $232

Loan Disclosures

  • *Annual Percentage Rate (APR). Rates are subject to change without notice. All credit union rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary.
  • Refinanced funds cannot be used to pay off existing CommonWealth One loan balances.

Auto Loan Disclosures

  • *To qualify for the TrueCar® discount, you must obtain a new car Guaranteed Savings Certificate or used car Price Protection Certificate through our TrueCar® Auto Buying Service and purchase the vehicle from the referred TrueCar® auto dealer. The Certificate must be provided to CommonWealth One during the financing process. You must purchase the vehicle printed on your Certificate with financing from CommonWealth One. Vehicles purchased at the dealer without a Certificate are not eligible for the TrueCar®
  • Sample payment of a $20,000 auto loan with 1.99% APR for 36 months term, your monthly payments will be approximately $573.
  • 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: 2.49% (current rate) less .50% Loan Loyalty Rewards equals 1.99% (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 3.99% 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.
  • 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

  • **Payments for $1,000 at 11.11% APR for 12 months are approximately $87.62 per month. This loan is not subject to credit approval; however, member must have maintained their account in good standing for the past six months; have direct deposit; and have deposits totaling $500 or more in a 30 day period for the past 90 days to be eligible for this offer. Funds may not be used to pay off an existing CommonWealth One loan. Member may only have one Credit Builder Loan at a time.
  • Loans are subject to a minimum monthly payment of $45.00.
  • Some rates quoted reflect a .50% reduction for Loan Loyalty Rewards. Example: 2.49% (current rate) less .50% Loan Loyalty Rewards equals 1.99% (your final APR). For more information, please contact us.

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: 2.49% (current rate) less .50% Loan Loyalty Rewards equals 1.99% (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: 2.49% (current rate) less .50% Loan Loyalty Rewards equals 1.99% (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 3.49% 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.