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Commonwealth Central Credit Union

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Commonwealth Central Credit Union Rates & Review July 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commonwealth Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 14, 2026

You can compare Commonwealth Central Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.55%, 6-month share certificate rates at 0.74% and 3-month share certificate rates at 0.05%. Savings rates are at 0.30% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates can be compared to Commonwealth Central Credit Union rates. MonitorBankRates evaluates the financial stability of Commonwealth Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.12%. Rates were last updated on 07/14/2026.

Commonwealth Central Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Commonwealth Central Credit Union? Share your experience about Commonwealth Central Credit Union by leaving a review below, or read customer reviews before you decide to use Commonwealth Central Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.12%

Excellent Lower than avg

Commonwealth Central Credit Union
Corporate Office

5890 Silver Creek Valley Rd
San Jose, CA 95138

https://www.wealthcu.org/

Current Rate Availability

We do not have Commonwealth Central Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Commonwealth Central Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Commonwealth Central Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Commonwealth Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Commonwealth Central Credit Union

Website https://www.wealthcu.org/

Address 5890 Silver Creek Valley Rd, San Jose, CA 95138

Phone 408-531-3100

Fax

President Larry Chambers

CEO Viktoria Earle

Full-Time Employees 95

Part-Time Employees 0

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.12%

Return on Assets (ROA)

0.6467%

Return on Equity (ROE)

4.6666%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

615,312,801

Total Amount of Shares and Deposits

525,677,636

Total Shares and Deposits < 1 Year

518,000,558

Total Shares and Deposits 1 3 Years

7,006,598

Total Shares and Deposits > 3 Years

670,480

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

43,798,972

Total Uninsured Shares and Deposits > $250K (F+J)

43,798,972

Total Insured Shares and Deposits > $250K (item 17 less item K)

481,878,664

Total Interest Expense (Sum of items 6 8)

2,309,191

Share Certificates

1,363

Number of Accounts for Share Drafts

22,770

IRA KEOGH Accounts

695

Number of Accounts for Regular Shares

42,220

Money Market Shares

1,192

Net Income (unless the amount is already included in Undivided Earnings)

3,979,022

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

110,780,018

Total Liabilities

530,975,986

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Commonwealth Central Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Commonwealth Central Credit Union

How many branches does Commonwealth Central Credit Union operate?

Commonwealth Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Commonwealth Central Credit Union?

Yes, to access services at Commonwealth Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Commonwealth Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commonwealth Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Commonwealth Central Credit Union offer online and mobile banking?

Most modern institutions like Commonwealth Central Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wealthcu.org/.