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Commonwealth Central Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 9, 2026
Commonwealth Central Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 9 Mos. Special CD, 3.00% APY on savings, 2.50% APY on checking, and rv, boat and powersport loans from 8.99% APR, according to rates verified by MonitorBankRates. Other Commonwealth Central Credit Union CD rates include 7 Mos. Special CD at 3.75%, 11 Mos. Welcome CD at 3.60%, and 12 Month CDs at 3.25%. 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 1.92%. Rates last updated and verified on 10/09/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Commonwealth Central Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.92%
ExcellentLower than avg
Commonwealth Central Credit Union Texas Ratio
Commonwealth Central Credit Union's Texas Ratio is 1.92%, which is considered excellent and is lower than the national average of 6.13%.
Commonwealth Central Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.50% to 1.92% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Commonwealth Central Credit Union CD Rates
Product
Rate
APY
Term
View More
9 Mos. Special Certificate
3.93%
4.00%
9 months
DetailsNew Money
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
7 Mos. Special Certificate
3.69%
3.75%
7 months
DetailsNew Money
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
11 Mos. Welcome Certificate
3.54%
3.60%
11 months
DetailsNew Members Only
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
12 Month Share Certificates
3.20%
3.25%
12 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
12 Month Welcome Certificate
3.20%
3.25%
12 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
12-Mos Youth Share Certificate
-
3.25%
12 months
Min Deposit$250
DetailsYouth Share Certificate use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. Dividends are paid monthly. A Youth Savings Account is required to have a Youth Share Certificate. An adult member of CommonWealth must be joint on the account.
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
6 Month Share Certificates
3.11%
3.15%
6 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
6 Month Welcome Certificate
3.11%
3.15%
6 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
6 Month Welcome Certificate
-
3.15%
6 months
Min Balance$250
DetailsYouth Account; Balance: $250+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
6-Mos Youth Share Certificate
-
3.15%
6 months
Min Deposit$250
DetailsYouth Share Certificate use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. Dividends are paid monthly. A Youth Savings Account is required to have a Youth Share Certificate. An adult member of CommonWealth must be joint on the account.
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 3.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
18 Month Share Certificates
2.96%
3.00%
18 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
18 Month Welcome Certificate
2.96%
3.00%
18 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
24 Month Share Certificates
2.96%
3.00%
24 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
24 Month Welcome Certificate
2.96%
3.00%
24 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
36 Month Share Certificates
2.81%
2.85%
36 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
36 Month Welcome Certificate
2.81%
2.85%
36 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
48 Month Share Certificates
2.62%
2.65%
48 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
48 Month Welcome Certificate
2.62%
2.65%
48 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
3 Month Share Certificates
2.37%
2.40%
3 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
3 Month Welcome Certificate
2.37%
2.40%
3 months
Min Balance$500
DetailsBalance: $500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Commonwealth Central Credit Union Savings Rates
Product
Rate
APY
View More
Effortless Savings
2.96%
3.00%
Min Balance$1,001
DetailsBalance: $1,001 - $5,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Emergency Savings Account
-
3.00%
Min Deposit$25
DetailsQualifications Required: automatic transfer, direct deposit, or ACH deposit transactions totaling $25 or more per month; Annual Wellness Check-in: Meet with a Certified Financial Counselor once a year and earn a $25 incentive; To qualify for the Emergency Savings APY, you must meet the following requirements by the end of each month: an automatic transfer, direct deposit, or ACH deposit transactions totaling $25 or more per month.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Get to Know You Savings for New Members
2.96%
3.00%
Min Balance$0
DetailsBalance: Up to $5,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Effortless Savings
1.00%
1.00%
Min Balance$0
DetailsBalance: Up to $1,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Effortless Savings
1.00%
1.00%
Min Balance$5,001
DetailsBalance: $5,001 - $10,000
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 1.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Emergency Savings
1.00%
1.00%
Min Balance$0
DetailsBalance: Up to $1,000
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 0.05% → 1.00% ▲ 0.95 pts · high 1.00% / low 0.05%
Oct 9, 20261.00%▲ from 0.05%
Sep 18, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Emergency Savings
1.00%
1.00%
Min Balance$5,000
DetailsBalance: $5,000 - $10,000
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 0.05% → 1.00% ▲ 0.95 pts · high 1.00% / low 0.05%
Oct 9, 20261.00%▲ from 0.05%
Sep 18, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Get to Know You Savings for New Members
1.00%
1.00%
Min Balance$5,000
DetailsBalance: $5,000 - $10,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Wealth Management Savings
0.70%
0.70%
Min Deposit$100,000
Min Balance$100,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Wealth Management Savings
0.65%
0.65%
Min Deposit$2,500
Min Balance$2,500
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Wealth Management Savings
0.65%
0.65%
Min Deposit$10,000
Min Balance$10,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Wealth Management Savings
0.65%
0.65%
Min Deposit$50,000
Min Balance$50,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 4 times
No change since Sep 18, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Emergency Savings
0.05%
0.05%
Min Balance$10,001
DetailsBalance: $10,001 - $250,000
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Get to Know You Savings for New Members
0.05%
0.05%
Min Balance$10,001
DetailsBalance: $10,001 - $250,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Holiday Club
0.05%
0.05%
Min Deposit$1
Min Balance$100
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Regular Share & Holiday Club
0.05%
0.05%
Min Balance$100
DetailsRate Type: Variable; Minimum Balance to Earn APY: $100 (Minimum Balance to Earn APY)
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Youth Savings Account
-
0.05%
Min Deposit$5
Min Balance$5
DetailsYouth Savings Accounts are variable rate accounts that use simple interest on a daily basis, which applies the daily periodic rate to the balance in the account each day. Dividends are paid monthly. An adult member of CommonWealth must be joint on the account.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Regular Share Account
0.03%
0.03%
Min Balance$0
DetailsIf your Regular Share account balance reaches $0, the account will be closed. If at any time your Regular Share Account balance is below $500, you have no other active loan or share accounts on your membership and there has been no activity on your account other than the postings of dividends in the past year, your account will be assessed a quarterly $10 inactivity fee.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.03% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Commonwealth Central Credit Union Checking Rates
Product
Rate
APY
View More
Rewards Checking
2.47%
2.50%
Min Balance$0
DetailsVariable
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Commonwealth Central Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Wealth Checking
0.06%
0.06%
Min Balance$100,000
DetailsVariable
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business Premium Checking
0.03%
0.03%
Min Balance$0
DetailsVariable
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business Wealth Checking
0.03%
0.03%
Min Balance$2,500
DetailsVariable
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business Wealth Checking
0.03%
0.03%
Min Balance$10,000
DetailsVariable
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Business Wealth Checking
0.03%
0.03%
Min Balance$50,000
DetailsVariable
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Commonwealth Central Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2022-2026 Loan
-
8.99%
24 - 36 months
DetailsPublished APR range: 8.99% - 11.99%.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2022-2026 Loan
-
8.99%
37 - 72 months
DetailsPublished APR range: 8.99% - 11.99%.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2022-2026 Loan
-
8.99%
73 - 96 months
DetailsPublished APR range: 8.99% - 11.99%.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2022-2026 Loan
-
8.99%
97 - 120 months
DetailsPublished APR range: 8.99% - 11.99%.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2022-2026 Loan
-
8.99%
121 - 144 months
DetailsPublished APR range: 8.99% - 11.99%.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2022-2026 Loan
-
8.99%
145 - 180 months
DetailsPublished APR range: 8.99% - 11.99%.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2016-2021 (max mileage 100,00) Loan
-
9.24%
24 - 36 months
DetailsPublished APR range: 9.24% - 12.99%.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2016-2021 (max mileage 100,00) Loan
-
9.24%
37 - 72 months
DetailsPublished APR range: 9.24% - 12.99%.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2016-2021 (max mileage 100,00) Loan
-
9.24%
73 - 96 months
DetailsPublished APR range: 9.24% - 12.99%.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2016-2021 (max mileage 100,00) Loan
-
9.24%
97 - 120 months
DetailsPublished APR range: 9.24% - 12.99%.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2016-2021 (max mileage 100,00) Loan
-
9.24%
121 - 144 months
DetailsPublished APR range: 9.24% - 12.99%.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
New and Used Motorhomes, Trailers, Fifth Wheels - Model years 2016-2021 (max mileage 100,00) Loan
No change since Sep 14, 2026 · 0.65% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Money Management Account
0.70%
-
0.70%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Money Management Account
0.75%
-
0.75%
Min Balance$250,000
DetailsBalance: $250,000 and over
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Money Management Account
0.03%
-
0.03%
Min Balance$2,500
DetailsAPY = Annual Percentage Yield. Rates are subject to change without notice.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Wealth Management Account
0.03%
-
0.03%
Min Balance$2,500
DetailsYou are required to have a checking account with CommonWealth in order to open a Wealth Management Account.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Wealth Management IRA
0.65%
-
0.65%
Min Balance$2,500
DetailsVariable
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Wealth Management IRA
0.65%
-
0.65%
Min Balance$10,000
DetailsVariable
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Wealth Management IRA
0.65%
-
0.65%
Min Balance$500,000
DetailsVariable
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Wealth Management IRA
0.70%
-
0.70%
Min Balance$100,000
DetailsVariable
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Youth Share
0.05%
-
0.05%
Min Deposit$5
Min Balance$5
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.92%
Financial Health History
Commonwealth Central Credit Union’s Texas Ratio stayed near 1.50% in Q3 2023 to 1.92% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$625M
1.92%
5.0
A+
March 31, 2026
$627M
1.25%
5.0
A+
December 31, 2025
$617M
2.95%
5.0
A+
September 30, 2025
$615M
2.12%
5.0
A+
June 30, 2025
$617M
1.90%
5.0
A+
March 31, 2025
$627M
1.51%
5.0
A+
December 31, 2024
$615M
2.66%
5.0
A+
September 30, 2024
$608M
1.25%
5.0
A+
June 30, 2024
$627M
1.14%
5.0
A+
March 31, 2024
$632M
1.68%
5.0
A+
December 31, 2023
$631M
1.50%
5.0
A+
September 30, 2023
$639M
1.50%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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 NameCommonwealth Central Credit Union
Address
5890 Silver Creek Valley Rd,
San Jose, CA 95138
Phone408-531-3100
Fax
PresidentLarry Chambers
CEOViktoria Earle
Full-Time Employees101
Part-Time Employees0
Branch Locations4
ATM Locations4
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
1.92%
Return on Assets (ROA)
0.3503%
Return on Equity (ROE)
2.4619%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
624,874,271
Total Amount of Shares and Deposits
530,269,101
Total Shares and Deposits < 1 Year
523,827,437
Total Shares and Deposits 1 3 Years
6,357,601
Total Shares and Deposits > 3 Years
84,063
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
38,248,139
Total Uninsured Shares and Deposits > $250K (F+J)
38,248,139
Total Insured Shares and Deposits > $250K (item 17 less item K)
492,020,962
Total Interest Expense (Sum of items 6 8)
1,482,221
Share Certificates
1,441
Number of Accounts for Share Drafts
22,596
IRA KEOGH Accounts
668
Number of Accounts for Regular Shares
41,087
Money Market Shares
1,159
Net Income (unless the amount is already included in Undivided Earnings)
2,188,790
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
139,747,479
Total Liabilities
536,631,768
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Commonwealth Central Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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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/.
Current Commonwealth Central Credit Union Rates
12-Month CD3.25%
18-Month CD3.00%
24-Month CD3.00%
Savings3.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
