Personal Loan Rates

View all loan rates.

Rates Effective: January 1, 2021
Fixed APR* As Low As Variable APR* As Low As
Credit Builder Loan
Up to 12 months
(Maximum $1,000)
9.99% APR** -
Personal Loan 
Up to 36 months 6.99% -
37-60 months
(Minimum $5,001)
8.99% -
OneLine Loan
Up to $25,000
- 8.25%
Campus Bookstore Loan
Up to 24 months
(Maximum $3,000)


  • *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.
  • **Payments for $1,000 at 14.99% APR for 12 months are approximately $88 per month. 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.
  • 1OneLine variable rate APR may change after loan closes.
  • Refinanced funds cannot be used to pay off existing CommonWealth One loan balances.
  • 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 Loan Rewards equals 1.99% (your final APR). For more information, please contact us.
  • OneLine variable rate APR may change after loan closes.