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Commonwealth Central Credit Union


Overview / Commentary
www.wealthcu.org
800-564-1588
5890 Silver Creek Valley Rd
San Jose, CA 95138

Commonwealth Central Credit Union is headquartered in San Jose and is the 84th largest credit union in the state of California. It is also the 638th largest credit union in the nation. It was established in 1958 and as of March of 2024, it had grown to 98 employees and 39,507 members at 5 locations. Commonwealth Central Credit Union's savings rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in CommonWealth Central Credit Union membership is open to anyone who lives or works in Santa Clara County, California. Relatives or household members of a current CommonWealth Central Credit Union are eligible to join. Employees of a participating CommonWealth Member Company also qualify for membership.
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Health
B+

Data as of Q1 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #61741
Year Chartered1958
Employees98
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD9.22%
Annual Interest Income$7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$632.1MM$664.5MM
LoansQ1 2024vs Q1 2023$510.8MM$496.9MM
DepositsQ1 2024vs Q1 2023$553.1MM$595.4MM
Equity CapitalQ1 2024vs Q1 2023$74MM$63.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$3.6MM$3.2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.3MM$708K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Commonwealth Central Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$5kGet to Know You Savings For New Members
OTHER TIERS: 0.05% → $10k+ | 1.00% → $5k - $10k
3.00%*$1k*$5kEmergency Savings
OTHER TIERS: 0.05% → $10k - $250k | 1.00% → $0 - $10k
0.80%*$100k*$250kWealth Management Savings
OTHER TIERS: 0.75% → $2.5k - $100k
0.80%*$100k*$250kWealth Management IRA
OTHER TIERS: 0.75% → $2.5k - $100k
0.05%$100-Regular Shares
0.05%$5-Youth Share Account
0.05%$100-Holiday Club

Commonwealth Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$250k*-Money Management Account
OTHER TIERS: 0.75% → $2.5k - $100k | 0.80% → $100k - $250k

Commonwealth Central Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$0$20kRewards Checking
OTHER TIERS: 0.05% → $20k+
0.06%*$100k*-Wealth Checking
OTHER TIERS: 0.03% → $2.5k - $100k
0.03%$0-Premium Checking

Commonwealth Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500$250k11 Month Share Certificate Welcome - New Money
4.00%$500$250k7 Month Share Certificate Special - New Money
3.40%$500-6 Month Share Certificate
3.40%$250-6 Month Youth Share Certificate
3.35%$500-12 Month Share Certificate
3.35%$250-12 Month Youth Share Certificate
3.15%$500-18 Month Share Certificate
3.15%$500-24 Month Share Certificate
3.00%$500-36 Month Share Certificate
2.65%$500-48 Month Share Certificate
2.25%$500-3 Month Share Certificate

Commonwealth Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.35%$100-12 Month IRA Certificate
3.15%$100-18 Month IRA Certificate
3.15%$100-24 Month IRA Certificate
3.00%$100-36 Month IRA Certificate
Locations


Commonwealth Central Credit Union Locations
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

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