Rates effective as of today.
| 2024 – 2020 New & Used Auto Loans | APR* (as low as) |
| 36-month term | 7.50% |
| 48-month term | 7.50% |
| 60-month term | 7.50% |
| 72-month term | 8.00% |
| 84-month term | 8.75% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 7.50% APR is $31.12 per 36-month term. Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
Rates effective as of today.
| 2019 – 2014 Used Auto Loans | APR* (as low as) |
| 36-month term | 7.75% |
| 48-month term | 7.75% |
| 60-month term | 8.25% |
| 72-month term | 8.75% |
| 84-month term | 9.50% |
| Older Autos (2013 and older, up to 60-month term) | 12.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 7.75% APR is $31.23 per 36-month term. Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
Rates effective as of today.
| First Time Car Buyer Loan (ages 18 – 24) | APR* (as low as) |
| First Car Loan (2024-2020) | 9.50% |
| First Car Loan (2019-2014) | 10.25% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 9.50% APR is $16.35 per 84-month term. Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements. Member can not have a previous car payment on their credit report. A co-signer is required.
Rates effective as of today.
| 2024 – 2023 New & Used RV Loans / Recreational Vehicle Loans | APR* (as low as) |
| 60-month term | 8.25% |
| 84-month term | 8.75% |
| 120-month term | 9.25% |
| 180-month term | 10.75% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 8.25% APR is $20.41 per 60-month term. Vehicles over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
Rates effective as of today.
| 2022 – 2014 Used RV Loans / Recreational Vehicle Loans | APR* (as low as) |
| 60-month term | 9.25 % |
| 84-month term | 9.75 % |
| 120-month term | 10.25 % |
| 180-month term | 11.75% |
| Older RVs (2013 and older, up to 60-month term) | 12.00 % |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 9.25% APR is $20.89 per 60-month term. Vehicles over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
Rates effective as of today.
| HELOC – Variable Rates | LOAN-TO-VALUE | APR** (as low as) |
| Prime Equity (Prime* -.50%) | Less or equal to 95.00% CLTV | 8.00% |
*Prime Rate as of 07-26-2023: 8.50% APR. 3.00% APR Floor.
**APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Appraisal may be required. Certain loans may have more requirements.
Rates effective as of today.
| Home Equity Loan – Fixed Rates | LOAN-TO-VALUE | APR** (as low as) |
| Fixed Rate Up to 120 Months | Less or equal to 80.00% | 8.25% |
| Fixed Rate Up to 180 Months | Less or equal to 80.00% | 8.75% |
| Fixed Rate Up to 120 Months | Between 81.00% to 95.00% | 8.50% |
| Fixed Rate Up to 180 Months | Between 81.00% to 95.00% | 9.00% |
**APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Appraisal may be required. Payment per $1,000 borrowed at 8.25% APR is $12.28 per 120-month term. Certain loans may have more requirements.
Rates effective as of today.
| Mortgage Retirement Loan – 10-year term | APR* (as low as) |
| Based on $100,000 | 7.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Appraisal may be required. Payment per $1,000 borrowed at 7.00% APR is $11.62 per 120-month term. Certain loans may have more requirements.
Rates effective as of today.
| First Time Car Buyer Loan (ages 18 – 24) | APR* (as low as) |
| First Car Loan (2024-2020) | 9.50% |
| First Car Loan (2019-2014) | 10.25% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 9.50% APR is $16.35 per 84-month term. Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements. Member can not have a previous car payment on their credit report. A co-signer is required.
Rates effective as of today.
| DESCRIPTION | APR* (as low as) |
| Student Laptop Loan | 0.00% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements.
Rates effective as of today.
| DESCRIPTION | APR* (as low as) |
| CWCU Tuition Loan |
5.75% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements.
Rates effective as of today.
| DESCRIPTION | APR* (as low as) |
| CUSC Tuition Loan – Variable Rate** | 7.50% |
| CUSC Tuition Loan – Fixed Rate*** | 7.50% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements.
** Variable Rate Option: the repayment term is 20 years if your principal balance at repayment is $40,000 or less, and 25 years if your principal balance at repayment is more than $40,000.
***Fixed Rate Option: the repayment schedule is fixed at 10 years regardless of the amount you borrow. Full repayment begins at the end of the grace period, unless full repayment is selected during enrollment.
Rates effective as of today.
| 5 Year APR* | 10 Year APR* | 15 Year APR* | |
| Variable Rate | 6.00% | 6.75% | 7.50% |
| Fixed Rate | 6.50% | 7.50% | 8.50% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements. View full program information and disclosures here.
Rates effective as of today.
| DESCRIPTION | APR* (as low as) |
| Winter Wonder-Loan – 12 month term |
6.75% |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Maximum loan amount of $7,500
Available through February 28, 2023
Community West Credit Union Credit Cards
Members of Community West Credit Union have four primary options when it comes to credit cards, each offered by Mastercard and coupled with competitive, easily manageable rates.
Our credit cards include:
- Platinum Credit Card: The highest tier credit card offered through Community West Credit Union provides an excellent rate of 9.99% APR*.
- Gold Credit Card: Offering high credit lines and a low 12.99% APR* interest rate, the Gold Credit Card ramps up the buying power for qualified borrowers.
- Classic Credit Card: The Classic Credit Card features a competitive 16.99% APR* interest rate and great perks like the CURewards points program.
- Classic Secured Credit Card: Ideal for members who need to improve their credit score or haven’t yet built up credit, secured credit cards are backed by cash deposits. This chip-enabled card offers a competitive rate of 16.99% APR*.
To top things off, a variety of universal benefits come along with all of Community West Credit Union’s credit cards, including card alerts, a digital wallet, automatic payment options, online access and more. Unsecured credit card holders also enjoy fee-free balance transfers and cash advances as well as equal rates for purchases and cash advances.
*APR = Annual Percentage Rate. Subject to change. Approval and rates based on credit worthiness.
Rates effective as of today.
| Line of Credit | APR** (as low as) |
| Prime* + 7.00% Monthly Variable | 15.50% |
*Prime Rate as of 07-26-2023: 8.50% APR
**APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Certain loans may have more requirements.
Rates effective as of today.
| DESCRIPTION | APR* (as low as) |
| 12–60 Month Personal Loan Special | 10.00% |
*APR=Annual Percentage Rate. Rate subject to change. Rate effective as of April 15, 2024. Limited time offer. Offer available across all credit tiers. Payment per $1,000 borrowed at 10.00% APR is $21.26/60-month terms. Must qualify for membership. Minimum loan amount financed may apply.
Rates effective as of today.
| DESCRIPTION | APR* (as low as) |
| Credit Builder | CD Rate + 8.00% |
12 Month Repayment term
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Payment per $1,000 borrowed at 12.25% APR is $88.97 per 12-month term. Certain loans may have more requirements.