Commonwealth Central Credit Union

Headquarters

5890 Silver Creek Valley Rd
San Jose, CA 95138
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 5.50% →
1-Year CD 0.60% 4.65% →
2-Year CD 0.70% 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

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 - December 23, 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 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.45% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - December 23, 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
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.960% 6.875% 0.63 $2,764 $2,103 Learn More
Advantage Lending
NMLS ID: 2592312
License#: RM.805266.000
6.966% 6.875% 0.50 $3,145 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.338% 7.250% 0.88 $2,800 $2,183 Learn More
CrossCountry Mortgage
NMLS ID: 3029
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
6.990 %
After Intro: 6.990 %
$0 Learn More
More Info
Rate
Rate
See Table
Intro APR
7.900 %
After Intro: 7.900 %
$25,000 Learn More
More Info

Note to Commonwealth Central
To upload and update your bank's rates please register. It is free to register and add rates.

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


BranchDistance Map View Lobby Hours

Corporate Office

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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