Loan Rates

Auto Loans

Last Updated: July 1, 2020
2020 – 2016 New & Used Auto LoansAPR (as low as)
36-month term2.75 % APR*
48-month term2.75 % APR*
60-month term2.75 % APR*
72-month term3.25 % APR*
84-month term4.00 % APR*
2015 – 2010 New & Used Auto LoansAPR (as low as)
36-month term3.00 % APR*
48-month term3.00 % APR*
60-month term3.50 % APR*
72-month term4.00 % APR*
84-month term4.75 % APR*
Older Autos (2009 and older, up to 60-month term)9.10 % APR*
First Car Loan (ages 18 – 24)APR (as low as)
First Car Loan (2020-2016)4.75 % APR*
First Car Loan (2015-2010)5.50 % APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Autos with over 100,000 miles are subject to an additional .50% rate increase.
Note: Certain loans may have more requirements.

Recreational Loans

Last Updated: July 1, 2020
2020 – 2019 New & Used RV LoansAPR (as low as)
60-month term4.75 % APR*
84-month term5.25 % APR*
120-month term5.75 % APR*
180-month term7.25 % APR*
2018 – 2010 Used RV LoansAPR (as low as)
60-month term5.75 % APR*
84-month term6.25 % APR*
120-month term6.75 % APR*
180-month term8.25 % APR*
Older RVs (2009 and older, up to 60-month term)9.10 % APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Autos with over 100,000 miles are subject to an additional .50% rate increase.
Note: Certain loans may have more requirements.

First Car Loans

Last Updated: July 1, 2020
First Car Loan (ages 18 – 24)APR (as low as)
First Car Loan (2020-2016)4.75 % APR*
First Car Loan (2015-2010)5.50 % APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Autos with over 100,000 miles are subject to an additional .50% rate increase.
Note: Certain loans may have more requirements.

Home Equity Loans

Last Updated: July 1, 2020
HELOC – Variable RatesLOAN-TO-VALUEAPR (as low as)
Prime Equity (Prime* +.00%)Between 76.00 – 85.00%3.50% APR**
Prime Advantage Equity (Prime* -.50%)Between 0.00 – 75.00%3.50% APR**

*Prime Rate as of 03-15-2020: 3.25% APR. 3.50% APR Floor.

Home Equity Loan – Fixed RatesLOAN-TO-VALUEAPR (as low as)
Fixed Rate Up to 120 MonthsLess or equal to 80.00%4.50% APR**
Fixed Rate Up to 180 MonthsLess or equal to 80.00%5.00% APR**
Fixed Rate Up to 120 MonthsBetween 81.00% to 95.00%4.75% APR**
Fixed Rate Up to 180 MonthsBetween 81.00% to 95.00%5.25% APR**

**APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Appraisal may be required.
Note: Certain loans may have more requirements.

Mortgage Retirement Loans

Last Updated: July 1, 2020
Mortgage Retirement LoanAPR (as low as)
Based on $100,0002.95 % APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application. Appraisal may be required.
Note: Certain loans may have more requirements.

Line of Credit Loans

Last Updated: July 1, 2020
Line of CreditAPR (as low as)
Prime* + 7.00% Monthly Variable10.25% APR*

*Prime Rate as of 03-15-2020: 3.25% APR
**APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.

Smart Choice Loans

Last Updated: July 1, 2020
DESCRIPTIONAPR (as low as)
Smart Choice Loan18.00 % APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.

Credit Builder Loans

Last Updated: July 1, 2020
DESCRIPTIONAPR (as low as)
Credit BuilderCD Rate + 8.00%*

*12 Month Repayment term
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.

Personal Loans

Last Updated: July 1, 2020
DESCRIPTIONAPR (as low as)
12–60 Month Personal Loan9.10 % APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.

Laptop Loans

Last Updated: July 1, 2020
DESCRIPTIONAPR (as low as)
Student Laptop Loan0.00 % APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.

CUSC Refinance Loans

Last Updated: July 1, 2020
5 Year APR10 Year APR15 Year APR
Variable Rate3.75%4.25%5.00%
Fixed Rate4.25%4.75%5.25%

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.

CUSC Tuition Loans

Last Updated: July 1, 2020
DESCRIPTIONAPR (as low as)
CUSC Tuition Loan6.00% APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.

CWCU Tuition Loans

Last Updated: July 1, 2020
DESCRIPTIONAPR (as low as)
CWCU Tuition Loan

5.75 % APR*

*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.

Credit Cards

Last Updated: July 1, 2020

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 Visa and coupled with competitive, easily manageable rates.

Our credit cards include:

  • Visa Platinum Credit Card: The highest tier of credit card offered through Community West Credit Union, this card offers interest rates as low as 8.90% APR*.
  • Visa Gold Credit Card: Offering high credit lines and interest rates as low as 9.90% APR*, the Visa Gold Credit Card ramps up your buying power once you’ve achieved a commendable credit score.
  • Visa Classic Credit Card: Similar to its secured counterpart, the Visa Classic Credit Card also features interest rates starting at 14.99% APR*. But in addition to the perks that come with the Visa Classic Secured option, you’ll also be able to take advantage of the CURewards points program.
  • Visa 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 interest rates as low as 14.99% 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.

Savings Rates

Money Market Savings

Last Updated: July 1, 2020
DESCRIPTIONAPRAPY
Money Market ($2,500 – $9,999)0.15% APR0.15% APY
Money Market ($10,000 – $49,999)0.25% APR0.25% APY
Money Market ($50,000 – $99,999)0.35% APR0.35% APY
Money Market ($100,000+)0.50% APR0.50% APY

APR = Annual Percentage Rate.
APY = Annual Percentage Yield. Rates Subject to Change

Advantage Savings

Last Updated: July 1, 2020
DESCRIPTIONAPRAPY
Advantage Savings

Balances of $100,000 or more

 

1.00%* APR

 

1.00%* APY

Dividends are paid quarterly on the above products. Balances below $100,000 will earn Regular Savings rate.
APR = Annual Percentage Rate.
APY = Annual Percentage Yield. Rates Subject to Change

Certificate of Deposits

Last Updated: July 1, 2020
DESCRIPTIONAPRAPY
3 Month CD0.100% APR0.100% APY
6-11 Month CD0.100% APR0.100% APY
12-17 Month CD0.250% APR0.250% APY
18-23 Month CD0.399% APR0.400% APY
24-35 Month CD0.499% APR0.500% APY
36 – 47 Month CD0.996% APR1.000% APY
48 – 59 Month CD1.244% APR1.250% APY
60 Month CD1.492% APR1.500% APY

APR = Annual Percentage Rate.
APY = Annual Percentage Yield. Rates Subject to Change

Young Adult Savings

Last Updated: July 1, 2020
DESCRIPTIONAPRAPY
Young Adult0.20% APR0.20% APY

Dividends are paid quarterly on the above products.
APR = Annual Percentage Rate.
APY = Annual Percentage Yield. Rates Subject to Change

IRA Savings

Last Updated: July 1, 2020
DESCRIPTIONAPRAPY
IRA Savings0.40% APR0.40% APY

Dividends are paid quarterly on the above products.
APR = Annual Percentage Rate.
APY = Annual Percentage Yield. Rates Subject to Change

Health Savings Account

Last Updated: July 1, 2020
DESCRIPTIONAPRAPY
Health Savings Account (HSA)0.99% APR1.00% APY

Dividends are paid monthly on the above products.
APR = Annual Percentage Rate.
APY = Annual Percentage Yield. Rates Subject to Change

Regular Savings

Last Updated: July 1, 2020
DESCRIPTIONAPRAPY
Regular Savings.10% APR.10% APY

Dividends are paid quarterly on the above products.
APR = Annual Percentage Rate.
APY = Annual Percentage Yield. Rates Subject to Change

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