Commonwealth Central Credit Union
Headquarters
5890 Silver Creek Valley Rd
San Jose, CA 95138
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2024 Overview
General Credit Union Information
Commonwealth Central is an NCUA insured institution located in San Jose, CA. It was founded in 1958 and has approximately $627.25 millions in assets.
Who can join?
There are several ways to be eligible for membership. You can become a member if:
You live or work in Santa Clara County.
You are a relative of or you reside with a current CommonWealth member.
You are an employee of a participating CommonWealth Member Company.
You are a resident of California and join the Financial Fitness Association.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61741 |
| Date Established | 1958 |
| Assets | $627.25 million |
| Loans | $498.91 million |
| Deposits | $545.84 million |
| Capital | $77.88 million |
Field of Membership Restrictions
CommonWealth Central CU is 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.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Commonwealth Central
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Commonwealth Central
To upload and update your bank's rates please register.
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Branches
Below are Commonwealth Central branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Commonwealth Central Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 2064.01 | A | View Lobby Hours |
Climate Policy and Initiatives
COMMONWEALTH CENTRAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Commonwealth Central Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Commonwealth Central. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Commonwealth Central | U.S. Average |
|---|---|
| 3.47% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Commonwealth Central had $2,605,286 in non-current loans and $190,399 in owned assets. To cover these potential losses it had $77,878,730 in net worth and $2,634,980 in loans loss reserves. That gives it a Texas Ratio of 3.47%.
Net Worth
| Commonwealth Central | U.S. Average |
|---|---|
| 12.4% | 13.93% |
Commonwealth Central FCU has a net worth of 12.4% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Commonwealth Central
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