Rates effective as of today.

2021 – 2017 New & Used Auto Loans APR (as low as)
36-month term 2.75 % APR*
48-month term 2.75 % APR*
60-month term 2.75 % APR*
72-month term 3.25 % APR*
84-month term 4.00 % 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.

Rates effective as of today.

2016 – 2011 New & Used Auto Loans APR (as low as)
36-month term 3.00 % APR*
48-month term 3.00 % APR*
60-month term 3.50 % APR*
72-month term 4.00 % APR*
84-month term 4.75 % APR*
Older Autos (2010 and older, up to 60-month term) 9.25 % 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.

Rates effective as of today.

First Time Car Buyer Loan (ages 18 – 24) APR (as low as)
First Car Loan (2021-2017) 4.75 % APR*
First Car Loan (2016-2011) 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. 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.

2021 – 2020 New & Used RV Loans / Recreational Vehicle Loans APR (as low as)
60-month term 3.25 % APR*
84-month term 3.75 % APR*
120-month term 4.25 % APR*
180-month term 5.75 % 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.

Rates effective as of today.

2019 – 2011 Used RV Loans / Recreational Vehicle Loans APR (as low as)
60-month term 4.25 % APR*
84-month term 4.75 % APR*
120-month term 5.25 % APR*
180-month term 6.75 % APR*
Older RVs (2010 and older, up to 60-month term) 9.25 % 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.

Rates effective as of today.

Fixed Rate Mortgage APR (as low as)
10-year term 2.25% APR**
15-year term 2.375% APR**
20-year term 2.75% APR**
30-year term 3.00% 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.

Rates effective as of today.

Zero Down Mortgage APR (as low as)
10-year term 2.25% APR**
15-year term 2.375% APR**
20-year term 2.75% APR**
30-year term 3.00% 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.

Rates effective as of today.

Land Loan APR (as low as)
10-year term 2.250% APR**
15-year term 2.375% 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.

Rates effective as of today.

HELOC – Variable Rates LOAN-TO-VALUE APR (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.

**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.

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% 4.50% APR**
Fixed Rate Up to 180 Months Less or equal to 80.00% 5.00% APR**
Fixed Rate Up to 120 Months Between 81.00% to 95.00% 4.75% APR**
Fixed Rate Up to 180 Months Between 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.

Rates effective as of today.

Mortgage Retirement Loan – 10-year term APR (as low as)
Based on $100,000 1.99 % 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.

Rates effective as of today.

DESCRIPTION APR (as low as)
Student Laptop Loan 0.00 % APR*

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

Rates effective as of today.

5 Year APR 10 Year APR 15 Year APR
Variable Rate 2.25% 2.75% 3.50%
Fixed Rate 4.25% 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.

Rates effective as of today.

DESCRIPTION APR (as low as)
CUSC Tuition Loan 6.00% APR*

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

Rates effective as of today.

DESCRIPTION APR (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.

Rates effective as of today.

Line of Credit APR (as low as)
Prime* + 7.00% Monthly Variable 10.25% 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.

Rates effective as of today.

DESCRIPTION APR (as low as)
Smart Choice Loan 18.00 % APR*

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

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.
Note: Certain loans may have more requirements.

Rates effective as of today.

DESCRIPTION APR (as low as)
12–60 Month Personal Loan 9.25 % APR*

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

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

Rates effective as of today.

DESCRIPTION APR APY
Regular Savings 0.10% APR 0.10% APY

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

Rates effective as of today.

DESCRIPTION APR APY
Advantage Savings

Balances of $100,000 or more

 

0.50%* APR

 

0.50%* 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

Rates effective as of today.

DESCRIPTION APR APY
Explorer Savings 0.20% APR 0.20% APY

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

Rates effective as of today.

DESCRIPTION APR APY
Health Savings Account (HSA) 0.50% APR 0.50% APY

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

Rates effective as of today.

DESCRIPTION APR APY
Money Market ($2,500 – $9,999) 0.10% APR 0.10% APY
Money Market ($10,000 – $49,999) 0.20% APR 0.20% APY
Money Market ($50,000 – $99,999) 0.25% APR 0.25% APY
Money Market ($100,000+) 0.30% APR 0.30% APY

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

Rates effective as of today.

DESCRIPTION APR APY
3 Month CD 0.100% APR 0.100% APY
6-11 Month CD 0.100% APR 0.100% APY
12-17 Month CD 0.250% APR 0.250% APY
18-23 Month CD 0.399% APR 0.400% APY
24-35 Month CD 0.499% APR 0.500% APY
36 – 47 Month CD 0.748% APR 0.750% APY
48 – 59 Month CD 0.947% APR 0.950% APY
60 Month CD 0.996% APR 1.000% APY
Explorer (Youth) CD: 12-month term 0.996% APR 1.000% APY

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

Rates effective as of today.

DESCRIPTION APR APY
IRA Savings 0.20% APR 0.20% 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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