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Commonwealth One Federal Credit Union

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Commonwealth One Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Commonwealth One Federal Credit Union?

Current rates for Commonwealth One Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.45%, 24-Month CD: 3.49%, 60-Month CD: 3.34%, Savings: 2.10%

Q: What CD terms does Commonwealth One Federal Credit Union offer?

Commonwealth One Federal Credit Union CD rates are 3.49% APY for a 6 month CD, 3.55% APY for a 12 month CD, 3.45% APY for an 18 month CD, 3.49% APY for a 2 year CD, 3.39% APY for a 3 year CD and 3.34% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Commonwealth One Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Commonwealth One Federal Credit Union's 12 Month CD rates are at 3.55%, 24 Month CD rates are at 3.49%, 6 Month CD rates are at 3.49%, 18 Month CD rates are at 3.45%, 36 Month CD rates are at 3.39%. Commonwealth One Federal Credit Union's savings rates are at 2.10%. Commonwealth One Federal Credit Union's checking rates are as high as 5.50%. Commonwealth One Federal Credit Union's Made to Match - 15 Year Fixed rates are at 6.38%, Made to Match - 20 Year Fixed rates are at 6.50%, Made to Match - 30 Year Fixed rates are at 6.62%, 3/6 ARM rates are at 6.12%, 7/6 ARM rates are at 6.50%. Commonwealth One Federal Credit Union's Personal Loan Rates are as low as 7.74%. Commonwealth One Federal Credit Union's Credit Card Rates are at 12.75%. Commonwealth One Federal Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Commonwealth One Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.04%. Rates last updated and verified on 10/28/2026.

Commonwealth One Federal 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 One Federal Credit Union? Share your experience about Commonwealth One Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Commonwealth One Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.04%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Commonwealth One Federal Credit Union
EISENHOWER WALK UP

4875 Eisenhower Ave
Alexandria, VA 22304-4886

https://www.cofcu.org

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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 One Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Jumbo Share Certificate and Jumbo IRA Share Certificate	3.60%	3.65%	12 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
12 Month Jumbo Share Certificates	-	3.65%	12 Month
Min Deposit $100,000 Details High-yield Jumbo certificate with a minimum $100,000; Certificates available for terms ranging from 6 to 60 months Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
24 Month Jumbo Share Certificate and Jumbo IRA Share Certificate	3.55%	3.60%	24 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
12 Month Share Certificate	3.50%	3.55%	12 Months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
18 Month Jumbo Share Certificate and Jumbo IRA Share Certificate	3.50%	3.55%	18 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
24 Month Share Certificate	3.45%	3.49%	24 Months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.49% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
36 Month Jumbo Share Certificate and Jumbo IRA Share Certificate	3.45%	3.49%	36 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.49% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
48 Month Jumbo Share Certificate and Jumbo IRA Share Certificate	3.45%	3.49%	48 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.49% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
6 Month Share Certificate	3.45%	3.49%	6 Months
Min Deposit $500 Details Not available for IRA accounts Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.49% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
18 Month Share Certificate	3.40%	3.45%	18 Months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
60 Month Jumbo Share Certificate and Jumbo IRA Share Certificate	3.40%	3.44%	60 Months
Min Deposit $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.44% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
36 Month Share Certificate	3.35%	3.39%	36 Months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.39% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
48 Month Share Certificate	3.35%	3.39%	48 Months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.39% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
60 Month Share Certificate	3.30%	3.34%	60 Months
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.34% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
15 Month Share Certificate	2.30%	2.32%	15 Months
Min Deposit $50 Details Additional deposits allowed in increments of $50.00 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.32% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings Account	2.10%	2.10%
Min Balance $0 Details Balance: $0 but less than $1,000.00 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Savings	0.08%	0.10%
Min Balance $50,000 Details Published APY range: 0.08 - 0.10%. Balance: $50,000.00 and over Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 0.10% / low 0.08% Oct 28, 20260.10%▲ from 0.08% Oct 23, 20260.08%▼ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Youth Savings Account	0.08%	0.10%
Min Balance $50,000 Details Published APY range: 0.08 - 0.10%. Balance: $50,000.00 and over Last Updated 10/28/2026 Rate History 2 changes since Oct 8, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 0.10% / low 0.08% Oct 28, 20260.10%▲ from 0.08% Oct 23, 20260.08%▼ from 0.10% Oct 8, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Savings	0.07%	0.09%
Min Balance $25,000 Details Published APY range: 0.07 - 0.08%. Balance: $25,000.00 but less than $50,000.00 Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 0.09% → 0.09% ▼ 0.00 pts · high 0.09% / low 0.07% Oct 28, 20260.09%▲ from 0.07% Oct 23, 20260.07%▼ from 0.09% Sep 14, 20260.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Youth Savings Account	0.07%	0.09%
Min Balance $25,000 Details Published APY range: 0.07 - 0.08%. Balance: $25,000.00 but less than $50,000.00 Last Updated 10/28/2026 Rate History 2 changes since Oct 8, 2026 · 0.09% → 0.09% ▼ 0.00 pts · high 0.09% / low 0.07% Oct 28, 20260.09%▲ from 0.07% Oct 23, 20260.07%▼ from 0.09% Oct 8, 20260.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Savings	0.05%	0.07%
Min Balance $2,500 Details Published APY range: 0.05 - 0.07%. Balance: $2,500.00 but less than $10,000.00 Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 0.07% → 0.07% ▼ 0.00 pts · high 0.07% / low 0.05% Oct 28, 20260.07%▲ from 0.05% Oct 23, 20260.05%▼ from 0.07% Sep 14, 20260.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Savings	0.08%	0.07%
Min Balance $10,000 Details Published APY range: 0.07 - 0.07%. Balance: $10,000.00 but less than $25,000.00 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 0.08% → 0.07% ▼ 0.01 pts · high 0.08% / low 0.07% Oct 12, 20260.07%▼ from 0.08% Sep 14, 20260.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Youth Savings Account	0.05%	0.07%
Min Balance $1,000 Details Published APY range: 0.05 - 0.07%. Balance: $1,000.00 but less than $10,000.00 Last Updated 10/28/2026 Rate History 2 changes since Oct 8, 2026 · 0.07% → 0.07% ▼ 0.00 pts · high 0.07% / low 0.05% Oct 28, 20260.07%▲ from 0.05% Oct 23, 20260.05%▼ from 0.07% Oct 8, 20260.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Youth Savings Account	0.08%	0.07%
Min Balance $10,000 Details Balance: $10,000.00 but less than $25,000.00 Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 0.08% → 0.07% ▼ 0.01 pts · high 0.08% / low 0.07% Oct 12, 20260.07%▼ from 0.08% Oct 8, 20260.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 but less than $2,500.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	-	5.50%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $30,000.00; Qualification Information section in the Truth-In-Savings Disclosure applies; No minimum balance to earn rewards; Monthly maintenance fee $0; Refunds on ATM withdrawal fees nationwide (up to $25 monthly) Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Cash Checking	5.366%	5.50%
Min Balance $0 Details Balance: $0 but less than $30,000.01; Qualifying balance up to $30,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Cash Checking	0.499%	0.499%
Min Deposit $0 Min Balance $30,000 Details Qualifications Required; Balance: $30,000.01 and over; Dividend rate of 0.49886% applies to the portion of the average daily balance over $30,000.00; Resulting range 1.65% to 5.50% APY depending on balance Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 0.50% ▼ 5.00 pts · high 5.50% / low 0.50% Oct 28, 20260.50%▼ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Cash Checking	0.05%	0.05%
Min Balance $0 Details Default Rate, all balances Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 5.50% → 0.05% ▼ 5.45 pts · high 5.50% / low 0.05% Oct 23, 20260.05%▼ from 5.50% Sep 25, 20265.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Made to Match - 15 Year Fixed	6.375%	-	6.535%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 2 changes since Oct 15, 2026 · 6.79% → 6.54% ▼ 0.25 pts · high 6.79% / low 6.54% Oct 28, 20266.54%▼ from 6.66% Oct 23, 20266.66%▼ from 6.79% Oct 15, 20266.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Made to Match - 20 Year Fixed	6.50%	-	6.629%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 2 changes since Oct 15, 2026 · 6.88% → 6.63% ▼ 0.25 pts · high 6.88% / low 6.63% Oct 28, 20266.63%▼ from 6.75% Oct 23, 20266.75%▼ from 6.88% Oct 15, 20266.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Made to Match - 30 Year Fixed	6.625%	-	6.723%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 2 changes since Oct 15, 2026 · 6.98% → 6.72% ▼ 0.25 pts · high 6.98% / low 6.72% Oct 28, 20266.72%▼ from 6.85% Oct 23, 20266.85%▼ from 6.98% Oct 15, 20266.98%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
3/6 ARM	6.125%	-	6.778%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.53% → 6.78% ▲ 0.25 pts · high 6.84% / low 6.53% Oct 28, 20266.78%▼ from 6.81% Oct 23, 20266.81%▼ from 6.84% Oct 15, 20266.84%▲ from 6.53% Sep 14, 20266.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
7/6 ARM	6.50%	-	6.778%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.53% → 6.78% ▲ 0.25 pts · high 6.91% / low 6.53% Oct 28, 20266.78%▼ from 6.84% Oct 23, 20266.84%▼ from 6.91% Oct 15, 20266.91%▲ from 6.53% Sep 14, 20266.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
10/6 ARM	6.625%	-	6.807%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.56% → 6.81% ▲ 0.25 pts · high 6.98% / low 6.56% Oct 28, 20266.81%▼ from 6.89% Oct 23, 20266.89%▼ from 6.98% Oct 15, 20266.98%▲ from 6.56% Sep 14, 20266.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
VA 30 Year Fixed	6.875%	-	7.209%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.95% → 7.21% ▲ 0.25 pts · high 7.46% / low 6.95% Oct 28, 20267.21%▼ from 7.34% Oct 23, 20267.34%▼ from 7.46% Oct 15, 20267.46%▲ from 6.95% Sep 14, 20266.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
5/5 ARM Jumbo	6.375%	-	7.285%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.97% → 7.29% ▲ 0.32 pts · high 7.46% / low 6.97% Oct 28, 20267.29%▼ from 7.41% Oct 23, 20267.41%▼ from 7.46% Oct 15, 20267.46%▲ from 6.97% Sep 14, 20266.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
5/5 ARM	6.25%	-	7.31%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.99% → 7.31% ▲ 0.32 pts · high 7.48% / low 6.99% Oct 28, 20267.31%▼ from 7.43% Oct 23, 20267.43%▼ from 7.48% Oct 15, 20267.48%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
FHA 30 Year Fixed	6.875%	-	7.674%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 7.42% → 7.67% ▲ 0.25 pts · high 8.18% / low 7.42% Oct 28, 20267.67%▼ from 7.80% Oct 23, 20267.80%▼ from 8.18% Oct 15, 20268.18%▲ from 7.42% Sep 14, 20267.42%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
USDA-RD 30 Year Fixed	7.00%	-	7.721%
Details Par rate (no discount points) Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 7.34% → 7.72% ▲ 0.39 pts · high 8.10% / low 7.34% Oct 23, 20267.72%▼ from 8.10% Oct 15, 20268.10%▲ from 7.34% Sep 14, 20267.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5 Years - 20 Years	-	-	6.62%	5 Years
Details As Low As; Fixed Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.62% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Home Equity Line of Credit - Interest Only	-	-	6.75%
Details As Low As; Rate: Variable; Minimum loan or line of credit amount is $10,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Cars (2025 models and newer)	-	-	4.64%	Up to 36 months
Details As Low As; Fixed APR; Financing up to 135% of NADA Retail Value; Minimum Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 4.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Auto Loan - New Cars (2025 models and newer)	-	-	5.04%
Details Model year 2025; As Low As; Fixed APR; Financing up to 135% of NADA Retail Value; Minimum Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Auto Loan - New Cars (2025 models and newer)	-	-	5.14%
Details Model year 2025; As Low As; Fixed APR; Requires minimum $10,000 purchase price; Financing up to 135% of NADA Retail Value; Minimum Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Car Loan (2019-2024 models)	-	-	5.14%	Up to 36 months
Details As Low As; Fixed APR; Used Cars: 2019 - 2024 models Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Auto Loan - New Cars (2025 models and newer)	-	-	5.30%
Details Model year 2025; As Low As; Fixed APR; Requires minimum $20,000 purchase price; Financing up to 135% of NADA Retail Value; Minimum Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Car Loan (2019-2024 models)	-	-	5.54%
Details Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Car Loan - 2018 models and older	-	-	5.54%	Up to 36 months
Details As Low As; Used Cars: 2018 models and older (20 years old max) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Car Loan (2019-2024 models)	-	-	5.64%
Details Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $10,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.64% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Car Loan (2019-2024 models)	-	-	5.80%
Details Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $20,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Car Loan - 2018 models and older	-	-	6.04%
Details Model year 2018; Additional APR listed for this product: 6.29%, 6.54%, 8.00%. As Low As; Used Cars: 2018 models and older (20 years old max) Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Auto Loan - New Cars (2025 models and newer)	-	-	6.30%
Details Model year 2025; As Low As; Fixed APR; Requires minimum $35,000 purchase price; Financing up to 135% of NADA Retail Value; Minimum Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Car Loan (2019-2024 models)	-	-	6.80%
Details Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $35,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Auto Loan - New Cars (2025 models and newer)	-	-	8.84%
Details Model year 2025; As Low As; Fixed APR; Requires minimum $50,000 purchase price; Financing up to 135% of NADA Retail Value; Minimum Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Car Loan (2019-2024 models)	-	-	9.34%
Details Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $50,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 9.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycles: 2025 and newer - Up to 36 months Loan	-	5.64%	Up to 36 months
Details Motorcycle Loan; Fixed APR (As Low As) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Motorcycles: 2025 and newer - 37 - 48 months Loan	-	6.04%	37-48 months
Details Motorcycle Loan; Fixed APR (As Low As) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Motorcycles: 2025 and newer - 49 - 60 months Loan	-	6.14%	49-60 months
Details Motorcycle Loan; Fixed APR (As Low As) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Motorcycle Loan	-	6.14%	Up to 36 months
Details As Low As; Fixed APR; Used Motorcycles: 2024 and older Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Motorcycles: 2025 and newer - 61 - 72 months Loan	-	6.30%	61-72 months
Details Motorcycle Loan; Fixed APR (As Low As) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Motorcycle Loan	-	6.54%	37 - 48 months
Details As Low As; Fixed APR; Used Motorcycles: 2024 and older Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Motorcycle Loan	-	6.64%	49 - 60 months
Details As Low As; Fixed APR; Used Motorcycles: 2024 and older Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Motorcycle Loan	-	6.80%	61 - 72 months
Details As Low As; Fixed APR; Used Motorcycles: 2024 and older Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Motorcycles: 2025 and newer - 73 - 84 months Loan	-	7.30%	73-84 months
Details Motorcycle Loan; Fixed APR (As Low As) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Motorcycle Loan	-	7.80%	73 - 84 months
Details As Low As; Fixed APR; Used Motorcycles: 2024 and older Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Boats & RV Loan - New Boat/RV: 2025 and newer	-	11.34%	96 months
Details As Low As; Fixed APR; New Boat/RV: 2025 and newer Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Boat/RV: 2024 and older Loan	-	11.84%	96 months
Details As Low As; Fixed APR; Boats & RV Loan Rates Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 11.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Boats & RV Loan - New Boat/RV: 2025 and newer	-	12.09%	120 months
Details As Low As; Fixed APR; New Boat/RV: 2025 and newer Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 12.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Boat/RV: 2024 and older Loan	-	12.59%	120 months
Details As Low As; Fixed APR; Boats & RV Loan Rates Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 12.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Boats & RV Loan - New Boat/RV: 2025 and newer	-	13.09%	144 months
Details As Low As; Fixed APR; New Boat/RV: 2025 and newer Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 13.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Boat/RV: 2024 and older Loan	-	13.59%	144 months
Details As Low As; Fixed APR; Boats & RV Loan Rates Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 13.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa	-	12.75%
Details As Low As; Variable APR for purchases between 12.75% - 18.00%; Variable APR for balance transfers and cash advances between 12.75% - 18.00% Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 12.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Platinum Rewards Visa	-	14.50%
Details As Low As; Variable APR for purchases between 14.50% - 18.00%; Variable APR for balance transfers and cash advances between 14.50% - 18.00% Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 14.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Visa Signature Rewards	-	15.70%
Details As Low As; Variable rate for purchases, cash advances, and balance transfers; Bonus: 10,000 bonus rewards points when you spend $1,500 in purchases within first 90 days of account opening (new cardholders only) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 15.70% ▲ 0.20 pts · high 15.70% / low 15.50% Oct 4, 202615.70%▲ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Signature Rewards Visa	-	15.75%
Details As Low As; Variable APR for purchases between 15.75% - 18.00%; Variable APR for balance transfers and cash advances between 15.75% - 18.00% Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 15.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.74%	Up to 12 months
Details As Low As; Fixed APR Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Personal Loan	7.74%	Up to 24 months
Details As Low As; Fixed APR Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Personal Loan	8.74%	Up to 36 months
Details As Low As; Fixed APR Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Personal Loan	9.74%	Up to 48 months
Details As Low As; Fixed APR Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Personal Loan	10.74%	Up to 60 months
Details As Low As; Fixed APR Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 10.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Personal Loan	11.74%	Up to 72 months
Details As Low As; Fixed APR Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 11.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Visa Signature Rewards	15.70%
Details As Low As; Variable rate for purchases, cash advances, and balance transfers; Bonus: 10,000 bonus rewards points when you spend $1,500 in purchases within first 90 days of account opening (new cardholders only) Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 15.70% ▲ 0.20 pts · high 15.70% / low 15.50% Oct 4, 202615.70%▲ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Signature Rewards Visa	15.75%
Details As Low As; Variable APR for purchases between 15.75% - 18.00%; Variable APR for balance transfers and cash advances between 15.75% - 18.00% Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 15.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Campus Bookstore Loan	-	-	6.90%	Up to 24 months
Details As Low As; Maximum $3,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Cash Checking	-	-	5.50%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $30,000.00; APY on average daily balance up to and including $30,000.00; No minimum deposit is required to open; No minimum balance is required to earn or receive rewards; Monthly Qualification Cycle applies Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Cash Checking	-	-	0.05%
Min Deposit $0 Min Balance $0 Details Qualifications not met; Entire average daily balance in the Kasasa Cash account earns 0.05% APY; No minimum deposit is required to open Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 5.50% → 0.05% ▼ 5.45 pts · high 5.50% / low 0.05% Oct 23, 20260.05%▼ from 5.50% Sep 25, 20265.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Saver Savings	1.982%	-	2.00%
Min Balance $0 Details Balance: $0 but less than $100,000.01 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Saver Savings	0.05%	-	0.05%
Min Balance $0 Details Default Rate, all balances Last Updated 10/28/2026 Rate History 2 changes since Oct 8, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 2.00% / low 0.05% Oct 23, 20260.05%▼ from 2.00% Oct 15, 20262.00%▲ from 0.05% Oct 8, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Saver Savings	0.499%	-	0.499%
Min Deposit $0 Min Balance $100,000 Details Qualifications Required; Balance: $100,000.01 and over; Dividend rate of 0.49886% applies to the portion of the average daily balance over $100,000.00; Resulting range 1.25% to 2.00% APY depending on balance Last Updated 10/28/2026 Rate History 3 changes since Sep 25, 2026 · 0.05% → 0.50% ▲ 0.45 pts · high 2.00% / low 0.05% Oct 28, 20260.50%▲ from 0.05% Oct 23, 20260.05%▼ from 2.00% Oct 8, 20262.00%▲ from 0.05% Sep 25, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Saver Savings	-	-	0.05%
Min Deposit $0 Min Balance $0 Details Qualifications not met; Entire average daily balance in the Kasasa Saver account earns 0.05% APY; No minimum deposit is required to open Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 2.00% → 0.05% ▼ 1.95 pts · high 2.00% / low 0.05% Oct 23, 20260.05%▼ from 2.00% Oct 8, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Money Management	0.15%	-	0.15%
Min Balance $0 Details Balance: $0 but less than $2,500.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Money Management Plus	0.35%	-	0.35%
Min Balance $0 Details Balance: $0 but less than $25,000.00 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Commonwealth One Federal Credit Union’s Texas Ratio rose from 5.36% in Q3 2023 to 10.04% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$502M	10.04%	5.0	A
March 31, 2026	$509M	11.62%	5.0	A
December 31, 2025	$521M	13.64%	5.0	A
September 30, 2025	$521M	12.83%	5.0	A
June 30, 2025	$544M	13.08%	5.0	A
March 31, 2025	$555M	11.32%	5.0	A
December 31, 2024	$560M	12.76%	5.0	A
September 30, 2024	$566M	12.17%	5.0	A
June 30, 2024	$582M	11.52%	5.0	A
March 31, 2024	$590M	10.16%	5.0	A
December 31, 2023	$590M	8.81%	5.0	A
September 30, 2023	$580M	5.36%	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 One Federal 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 One Federal 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 One Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Commonwealth One Federal Credit Union

Website https://www.cofcu.org

Address 4875 Eisenhower Ave, Alexandria, VA 22304-4886

Phone 703-823-5211

Fax 703-650-4003

President Rupert Jennings

CEO Frank Wasson

Full-Time Employees 83

Part-Time Employees 4

Branch Locations 7

ATM Locations 16

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.04%

Return on Assets (ROA)

0.4924%

Return on Equity (ROE)

5.9336%

Non-Performing Loans Ratio (NPL)

1.29%

Total Assets

501,705,691

Total Amount of Shares and Deposits

432,922,868

Total Shares and Deposits < 1 Year

397,948,986

Total Shares and Deposits 1 3 Years

19,210,944

Total Shares and Deposits > 3 Years

15,762,938

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

26,632,794

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

26,632,794

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

406,290,074

Total Interest Expense (Sum of items 6 8)

3,318,929

Share Certificates

2,619

Number of Accounts for Share Drafts

16,962

IRA KEOGH Accounts

1,317

Number of Accounts for Regular Shares

31,396

Non Member Deposits

Money Market Shares

2,055

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

2,470,574

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)

20,938,296

Total Liabilities

461,824,701

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Commonwealth One Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Commonwealth One Federal Credit Union

Does Commonwealth One Federal Credit Union offer CDs?

Yes. Commonwealth One Federal Credit Union current CD rates include its 12 Month CD at 3.55% APY, its 24 Month CD at 3.49% APY and its 6 Month CD at 3.49% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Commonwealth One Federal Credit Union NCUA insured?

Yes. Commonwealth One Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Commonwealth One Federal Credit Union?

The highest Commonwealth One Federal Credit Union CD rate is its 12 Month Jumbo CD and Jumbo IRA CD at 3.65% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Commonwealth One Federal Credit Union offer?

Commonwealth One Federal Credit Union CD rates are 3.49% APY for a 6 month CD, 3.55% APY for a 12 month CD, 3.45% APY for an 18 month CD, 3.49% APY for a 2 year CD, 3.39% APY for a 3 year CD and 3.34% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Commonwealth One Federal Credit Union for its full lineup.

What is the highest savings rate at Commonwealth One Federal Credit Union?

The highest Commonwealth One Federal Credit Union savings rate is its Youth Savings Account at 2.10% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Commonwealth One Federal Credit Union?

The highest Commonwealth One Federal Credit Union checking rate is its Free Kasasa Cash Checking at 5.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Commonwealth One Federal Credit Union?

The lowest Commonwealth One Federal Credit Union 30 year fixed mortgage rate is its Made to Match - 30 Year Fixed at 6.625%, verified by MonitorBankRates as of October 28, 2026. Commonwealth One Federal Credit Union mortgage rates are 6.625% for a 30 year mortgage, 6.50% for a 20 year mortgage, 6.375% for a 15 year mortgage, 6.125% for a 3/6 ARM, 6.25% for a 5/5 ARM, 6.50% for a 7/6 ARM and 6.625% for a 10/6 ARM.

What is the lowest auto loan rate at Commonwealth One Federal Credit Union?

The lowest Commonwealth One Federal Credit Union auto loan rate is its Auto Loan - New Cars (2025 models and newer) at 4.64% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Commonwealth One Federal Credit Union?

The lowest Commonwealth One Federal Credit Union personal loan rate is its Personal Loan at 7.74% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Commonwealth One Federal Credit Union?

The lowest Commonwealth One Federal Credit Union credit card APR is its Platinum Visa Credit Card at 12.75% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Commonwealth One Federal Credit Union operate?

Commonwealth One Federal 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 One Federal Credit Union?

Yes, to access services at Commonwealth One Federal 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 One Federal 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 One Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Commonwealth One Federal Credit Union offer online and mobile banking?

Most modern institutions like Commonwealth One Federal 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.cofcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Commonwealth One Federal Credit Union rates compare?

Commonwealth One Federal Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A health rating. Commonwealth One Federal Credit Union's top rates are its 12 Month Jumbo CD and Jumbo IRA CD at 3.65% APY, its Youth Savings Account at 2.10% APY, its Free Kasasa Cash Checking at 5.50% APY, its 3/6 ARM at 6.125%, its Personal Loan at 7.74% APR and its Platinum Visa Credit Card at 12.75% APR, verified by MonitorBankRates on October 28, 2026.

Current Commonwealth One Federal Credit Union Rates

12-Month CD3.55%
18-Month CD3.45%
24-Month CD3.49%
60-Month CD3.34%
Savings2.10%

Retrieved from our database of financial products. Rates subject to change.

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Commonwealth One Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Commonwealth One Federal Credit Union Texas Ratio

Commonwealth One Federal Credit Union Health Trend

Commonwealth One Federal Credit Union CD Rates

Commonwealth One Federal Credit Union Savings Rates

Commonwealth One Federal Credit Union Checking Rates

Commonwealth One Federal Credit Union Mortgage Rates

Commonwealth One Federal Credit Union Home Equity & HELOC

Commonwealth One Federal Credit Union Auto Loan Rates

Commonwealth One Federal Credit Union RV, Boat and Powersport Loan Rates

Commonwealth One Federal Credit Union Credit Card Rates

Commonwealth One Federal Credit Union Personal Loan Rates

Commonwealth One Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Commonwealth One Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Commonwealth One Federal Credit Union

Does Commonwealth One Federal Credit Union offer CDs?

Are CDs from Commonwealth One Federal Credit Union NCUA insured?

What is the highest CD rate at Commonwealth One Federal Credit Union?

What CD terms does Commonwealth One Federal Credit Union offer?

What is the highest savings rate at Commonwealth One Federal Credit Union?

What is the highest checking rate at Commonwealth One Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Commonwealth One Federal Credit Union?

What is the lowest auto loan rate at Commonwealth One Federal Credit Union?

What is the lowest personal loan rate at Commonwealth One Federal Credit Union?

What is the lowest credit card APR at Commonwealth One Federal Credit Union?

How many branches does Commonwealth One Federal Credit Union operate?

Is a member application needed to join Commonwealth One Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Commonwealth One Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Commonwealth One Federal Credit Union rates compare?

Current Commonwealth One Federal Credit Union Rates

Compare to Other Credit Unions