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 Commonwealth Central Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 22, 2026
Commonwealth Central Credit Union's 11 Mos. Welcome CD rates are at 3.60%, 7 Mos. Special CD rates are at 3.50%, 12-Mos Youth CD rates are at 3.25%, CDs 12 Mos. rates are at 3.25%, CDs 12 Mos. (Youth Account) rates are at 3.25%. Commonwealth Central Credit Union's savings rates are at 0.05%. 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 2.21%. Rates were last updated on 03/22/2026. 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. Commonwealth Central Credit Union
Corporate Office 5890 Silver Creek Valley Rd
https://www.wealthcu.org/ San Jose, CA 95138 
Commonwealth Central Credit Union CD Rates
Commonwealth Central Credit Union Savings Rates
Commonwealth Central Credit Union Mortgage Rates
Commonwealth Central Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.21%
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
Frequently Asked Questions About Commonwealth Central Credit UnionIs Commonwealth Central Credit Union a safe place to deposit money?Yes, Commonwealth Central Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2079651858891%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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/. Current Commonwealth Central Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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