Discover a World of Saving with

No car payments for 90 days1

Purchase a new or used vehicle, or refinance your existing loan and save every month. Either way, you'll have no payments for 90 days.

A special introductory HELOC rate of 1.90% APR2

Transfer high rate balances to a low rate CommonWealth home equity line of credit and save. Transfer $50,000 from a 7% loan and save over $100 a month for six months.

$2,500 or $5,000 to spend3

Take advantage of our personal loan with a rate as low as 8.50% APR!3 Borrow $2,500 for 36 months and pay as little as $78.92 per month.

1.00% cash back4

Transfer high rate credit card balances to our low rate Visa Platinum and receive 1.00% cash back. Transfer $10,000 and we'll give you $100 back in cash.

Let us show you how much money you could save and you could win two tickets to anywhere in the world!5

1Regular payments called for in the Member Agreements and Disclosure will begin 90 days from the date of booking the loan. Finance charges will still accrue and the total finance charges will increase above the amount shown on the Loan Agreement.
2APR = Annual Percentage Rate. The rate you receive will be based on certain creditworthiness factors. Please ask us for the rate for which you qualify. All rates are subject to approximate loan term limits and certain restrictions may apply. Rates are subject to change without notice. There are minimum loan amounts required for some loan terms. Contact us for minimum loan amounts by term, maximum loan amounts and loan-to-value requirements. Additional conditions apply. Consult a tax advisor regarding the deductibility of interest. Call (408) 531-3100 or (800) 564-1588 for additional information. Home Equity Lines of Credit up to 80% CLTV with loan amounts of $10,000 - $150,000. Loan processing fee is $300 for credit limits up to and including $100,000 and $450 for credit limits over $100,000. The initial rate for a Custom Home Equity Line of Credit is a fixed rate not based on the index and margin used for subsequent rate adjustments. The initial rate of 1.9% is fixed for the first 6 months. After 6 months the APR can vary and is based on Prime Rate plus a margin of 0.00% to +5.00% based on credit rating. The APR is subject to change on the 10th of each month, based on changes to Prime Rate, the highest Prime Rate published in the Wall Street Journal "Money Rates" table on the 20th of the prior month. Minimum APR 4%, maximum APR 18%. During the draw period, you may withdraw (advance) funds up to your credit line limit and pay interest accrued on that balance monthly. After the draw period, you may not withdraw any more funds from the line. Your loan is then amortized and you begin to pay the principal and interest monthly. Real Estate loans are available for owner-occupied properties in the state of California only. Membership in CommonWealth is required and is available to almost anyone.
3APR=Annual Percentage Rate. The advertised rate of 8.50% is based on certain creditworthiness factors and approximate repayment and be higher than the rate shown above. Please ask us for the rate for which you qualify. Monthly payment is $31.57 per $1,000.00 financed. All rates are subject to approximate loan term limits and certain restrictions may apply. Membership in CommonWealth is required and is available to almost anyone.
4Your 1.00% cash back reward will be calculated based on the outstanding balance on February 15, 2012. For example, if your outstanding balance on February 15, 2012 is $8,500.00, your 1.00% cash back reward will be $85.00. In order to be eligible for a 1.00% cash back reward, all purchases and balance transfers must post by February 15, 2012; payments made prior to this date will reduce the eligible balance. The 1.00% cash back reward will be deposited into your savings account. Taxes are the responsibility of the recipient. Membership in CommonWealth is required and is available to almost anyone.
5NO PURCHASE NECESSARY. Maximum ticket price $1,750 each. To enter, simply fill out an entry form or submit your name, address and telephone number to:
CommonWealth Central Credit Union, Attn: Marketing, P.O. Box 641690, San Jose, CA 95164-1690. Entries must be received by January 31, 2012 at 6:00 pm. One entry per person. All prizes will be awarded. Odds of winning depend on number of entries. Winners will be notiified by telephone and are responsible for all applicable taxes.

NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender This Credit Union is federally-insured by the National Credit Union Administration.
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