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Commonwealth Central Credit Union

Popular Accounts at this Credit Union

0.35%1-year CD12 Month Share Certificate
0.05%SavingsRegular Shares
1.05%4-year CD48 Month Share Certificate

Overview / Commentary
5890 Silver Creek Valley Rd
San Jose, CA 95138

Commonwealth Central Credit Union is headquartered in San Jose and is the 76th largest credit union in the state of California. It is also the 531st largest credit union in the nation. It was established in 1958 and as of September of 2017, it had grown to 101 employees and 36,830 members at 6 locations. Commonwealth Central Credit Union has an A health rating.

Field of Membership Restrictions

CommonWealth Central CU is open to anyone through membership in the Financial Fitness Association ($8 membership fee). Membership is also open to the residents and anyone that works in Santa Clara County, employees of the CU-affiliated companies, California residents that are members of the Financial Fitness Association, and family members as well as household occupants of current CU members.
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Reviews (1)

Best Credit Union Ever!

Posted by: seejay | May 29, 2011

with their revamped website and killer rates, all I have to say about Commonwealth credit union is positive. I feel that I benefit greatly by dealing with a small CU as opposed to a huge national bank. B of A... so the enemy. I've been with this bank since I was literally born, and what I recall from my younger days were a bunch of special promotions and offers that made savings "cool" to kids. Now, as I pay off cars and start my first mortgage, this bank is still able to support me in all that I do. Even when I went to college in LA for 4 years, the geographical distance did not affect the quality of service I received. Great tellers, INCREDIBLE phone customer service, AND I get free checks. What could be better? I'll be with this credit union for life!


Health Grade Components

NCUA #61741
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.72%
Annual Interest Income$11.9MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$504.7MM$474.5MM
LoansQ3 2017vs Q3 2016$343.6MM$314.9MM
DepositsQ3 2017vs Q3 2016$451.8MM$424.2MM
Equity CapitalQ3 2017vs Q3 2016$47.0MM$44.8MM
Loan Loss AllowanceQ3 2017vs Q3 2016$2.2MM$2.2MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.3MM$1.6MM
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Commonwealth Central Credit Union Savings Account Rates

0.10%*$100k*$250kWealth Management Savings
OTHER TIERS: 0.05% $2,500 - $100k
0.10%*$100k*$250kWealth Management IRA
OTHER TIERS: 0.05% $2,500 - $100k
0.10%*$100k*$250kWealth Management Roth IRA
OTHER TIERS: 0.05% $2,500 - $100k
0.10%*$100k*$250kWealth Management CESA
OTHER TIERS: 0.05% $2,500 - $100k
0.05%--Regular Shares
0.05%--Youth Share Account
0.05%$100-Holiday Club

Commonwealth Central Credit Union Money Market Rates

0.15%*$250k*-Money Management Account
OTHER TIERS: 0.05% $2,500 - $100k | 0.10% $100k - $250k

Commonwealth Central Credit Union Checking Account Rates

0.10%*$100k*-Wealth Checking
OTHER TIERS: 0.05% $2,500 - $100k
0.05%--Premium Checking

Commonwealth Central Credit Union CD Rates

1.05%*$25k*-48 Month Share Certificate
OTHER TIERS: 1.00% $500 - $25k
0.75%$500-36 Month Share Certificate
0.60%*$50k*-24 Month Share Certificate
OTHER TIERS: 0.45% $500 - $25k | 0.50% $25k - $50k
0.35%*$50k*-12 Month Share Certificate
OTHER TIERS: 0.25% $500 - $25k | 0.30% $25k - $50k
0.35%*$50k*-18 Month Share Certificate
OTHER TIERS: 0.25% $500 - $25k | 0.30% $25k - $50k
0.25%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.15% $500 - $25k | 0.20% $25k - $50k
0.25%$250-12 Month Youth Share Certificate
0.15%$250-6 Month Youth Share Certificate
0.10%*$25k*-3 Month Share Certificate
OTHER TIERS: 0.05% $500 - $25k

Commonwealth Central Credit Union IRA Rates

0.75%$100-36 Month IRA Certificate
0.45%$100-24 Month IRA Certificate
0.25%$100-12 Month IRA Certificate
0.25%$100-18 Month IRA Certificate

Commonwealth Central Credit Union Locations
Branch Office537 E Calaveras BlvdMilpitas, CA 95035
Branch Office5890 Silver Creek Valley RdSan Jose, CA 95138
Branch Office400 Tennant StaMorgan Hill, CA 95037
Branch Office3075 Union AveSan Jose, CA 95124
Branch Office1041 Cochrane Rd Ste 180Morgan Hill, CA 95037
Branch Office5890 Silver Creek Valley RdSan Jose, CA 95138