Effective November 1, 2019 

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

Auto Loan Rates

 

Fixed APR* As Low As

New Cars: 2018 and newer
Up to 36 months  1.74%
37 - 60 months 2.49%
61 - 72 months 2.99%
73 - 84 months 3.74%
Used Cars: 2014 models and newer
Up to 36 months 1.99%
37 - 60 months 2.74%
61 - 72 months 3.24%
73 - 84 months 3.99%
Used cars: 2013 and older
Up to 60 months 5.24%
61 - 72 months 5.74%

Auto Loan Disclosures

  • *Annual Percentage Rate (APR) is based on an evaluation of applicant’s credit. Your actual rate may vary.
  • Rate shown reflects 0.50% discount for Loan Rewards and 0.25% Anniversary Special discount: 0.25% discount for repayment through direct deposit and 0.25% discount for an active checking account.  An active checking account is defined as a checking account with six or more debit card transactions per month.  Anniversary Special discount of 0.25% is available on auto loans of $20,000 or more.  Payments for $20,000 loan at 1.74% APR for 36 months are approximately $570.04 per month. Other rates and terms are available. Rates are subject to change without notice. 
  • 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 Rewards for auto loans of $20,000 or more. 0.25% discount for repayment through direct deposit and 0.25% discount for an active checking account.  An active checking account is defined as a checking account with six or more debit card transactions per month. Example: 2.49% (current rate) less 0.50% Loan Rewards discount 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 Rates

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

Variable APR*  between
9.74% - 18.00%

Variable APR* between
10.74% - 18.00%

Variable APR*
between
11.74% - 18.00%
Variable APR* between
12.74% - 18.00%
Annual percentage rate (APR*) for balance transfer 9.74%-18.00%  APR*

10.74%-18.00% APR*

11.74%-18.00% APR* 12.74%-18.00% APR*
Penalty APR and When it Applies NONE NONE NONE NONE
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.00.
For Credit Card tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Features & Benefits Platinum Platinum Rewards Signature Rewards 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 NA NA Complimentary 24-hour Concierge Services, discounts at top retailers and online merchants, Visa Signature Perks 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

None

Earn 1 CURewards point for every dollar on all purchases

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
Rewards Options None Redeem for cash, travel, merchandise or gift cards Redeem for cash, travel, merchandise or gift cards Redeem for cash, travel, merchandise or gift cards
Point limits None None None None
Point expiration NA 5 years 5 years 5 years
Extended benefits Auto rental insurance Travel Accident Insurance up to $50,000 Travel Accident Insurance up to $250,000, Emergency assistance service, Warranty management service Travel Accident Insurance up to $50,000
Fees Platinum Platinum Rewards Signature Rewards Platinum Business Rewards
Set-up & Maintenance Fees 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
Late Payment Fee Up to $25.00 Up to $25.00 Up to $25.00 Up to $25.00
Over-The-Credit Limit Fee None None None None
Returned Payment Fee Up to $25.00 Up to $25.00 Up to $25.00 Up to $25.00
Statement Copy Fee None None None None
Document Copy Fee None None None None
PIN Replacement Fee None None None None
Card Replacement Fee None None None None

How We Will Calculate Your Balance: We us a method called "average daily balance (including new purchases)."

Effective Date: The information about the costs of the card described in this application is accurate as of June 1, 2019. The information may have changed after that date. To find out what may have changed contact the Credit Union.

Disclosures

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

View all loan rates.


Rate APR*
EquityLine (Home Equity Line of Credit) up to 90% LTV1
6 Month Introductory Period2 (Limited Time Offer) 3.99% Variable
Principle and Interest 3.99% Variable
Interest 4.99% Variable
EquityLine (Home Equity Line of Credit) up to 100% LTV
Principle and Interest 4.99% Variable
Interest Only 6.99% Variable
Equity Line Purchase Money up to 100% LTV
Principle and Interest 4.99% Variable
Interest Only 6.99% Variable
Equity Plus up to 90% LTV
5 Years 4.49% Fixed
10 Years 5.24% Fixed
15 Years 5.99% Fixed
Equity ONEHundred up to 100% LTV
5 Years 5.49% Fixed
10 Years 6.74% Fixed
15 Years 7.24% Fixed
20 Years 7.74% Fixed
Home Equity Loan Purchase Money (Second) up to 100% LTV
15 Years 7.24% Fixed
20 Years 7.74% Fixed
Home Equity Improvement Loan up to 133% LTV
5 Years 6.99% Fixed
10 Years 7.74% Fixed
15 Years 8.24% Fixed

Home Equity Loan and Line of Credit Disclosures

  • CommonWealth One Federal Credit Union complies with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). A list of our registered originators can be found by searching for CommonWealth One FCU at https://www.nmlsconsumeraccess.org/.
  • 1LTV = 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.
  • 2This is a limited time offer.  EquityLine 3.99% APR Introductory Rate is valid for the first 6 months.  After the introductory period, the standard variable rate will apply, currently 3.99% for Principal and Interest Payment Option and 4.99% for Interest Only Payment Option.  Rate is subject to change without notice and varies based on Prime.
  • Minimum loan or line of credit amount is $15,000 and maximum loan or line of credit amount is $250,000.
  • Loans are subject to a minimum monthly payment of $45.00.
  • 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.
  • 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.

Unsecured Loan Rates

Fixed APR*
As Low As
Variable APR*
As Low As
Credit Builder Loan

Up to 12 months

(maximum $1,000)

14.99%** -
Personal Loan
Holiday Loan (Limited-Time Offer)
Terms up to 36 Months | Borrow up to $5,000
6.01%§§
11-Month Loan 6.40%§ -
12 - 36 months 8.74% -

37-60 months
(Minimum $5,001)

10.74% -
OneLine Loan
Revolving
Up to $25,000
- 10.75%
Campus Bookstore Loan
Up to 24 Months
(Maximum $3,000)
5.90%§ -

Personal Loan Disclosures

  • §§Rates and terms are based upon evaluation of applicant(s) credit. Your actual rate may vary. Sample payment is based on a loan amount of $5,000 at 6.01% APR for 36 months with a monthly payment of approximately $151.44. This offer expires December 31, 2019. Funds may not be used to pay off
    existing CommonWealth One loan. Only one Holiday Loan is allowed at a time.
  • §Not eligible for Loyalty Rewards Discount
  • **Payments for $1,000 at 14.99% APR for 12 months are approximately $89.18 per month.  Applications are subject to credit approval.  Funds may not be used to pay off an existing CommonWealth One loan. Member may only have one Credit Builder Loan at a time. Not eligible for Loan Rewards Discount.  Other terms and conditions may apply.
  • Loans are subject to a minimum monthly payment of $45.00.
  • Some rates quoted reflect a .50% reduction for Loan Rewards: 0.25% discount for repayment through direct deposit and 0.25% discount for an active checking account.  An active checking account is defined as a checking account with six or more debit card transactions per month.  Example: 2.49% (current rate) less .50% Loan Rewards equals 1.99% (your final APR). For more information, please contact us. 

Secured Loan Rates

Back to top
Fixed APR* Variable APR*
Share/Share Certificate Secured
Up to 60 months 3.00% above share rate -

Secured Loan Disclosures

  • Loans are subject to a minimum monthly payment of $45.00.
  • Some rates quoted reflect a .50% reduction for Loan Rewards: 0.25% discount for repayment through direct deposit and 0.25% discount for an active checking account.  An active checking account is defined as a checking account with six or more debit card transactions per month. Example: 2.49% (current rate) less .50% Loan Rewards equals 1.99% (your final APR). For more information, please contact us.
  • Variable rate loan option APR may change after loan closes.
  • Share and Certificate Secured Loans maximum loan amount is the available balance on deposit.

Motorcycle Loan Rates

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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

Motorcycle Loan Disclosures

  • Loans are subject to a minimum monthly payment of $45.00.
  • Some rates quoted reflect a .50% reduction for Loan Rewards: 0.25% discount for repayment through direct deposit and 0.25% discount for an active checking account.  An active checking account is defined as a checking account with six or more debit card transactions per month.. Example: 2.49% (current rate) less .50% Loan Rewards equals 1.99% (your final APR). For more information, please contact us.
  • 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.

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

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 Rewards. Example: 2.49% (current rate) less .50% Loan 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.
  • See Fee Schedule for related charges and Consumer Loan Disclosure for all terms and conditions.

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