Last Updated: January 2, 2020
| DESCRIPTION |
APR (as low as) |
| New & Used Autos (2020-2016, 36 month loans) |
3.45 % APR* |
| New & Used Autos (2020-2016, 48 month loans) |
3.45 % APR* |
| New & Used Autos (2020-2016, 60 month loans) |
3.45 % APR* |
| New & Used Autos (2020-2016, 72 month loans) |
3.95 % APR* |
| New & Used Autos (2020-2016, 84 month loans) |
4.70 % APR* |
| First Car Loan (2020-2016) |
5.70 % APR* |
| New & Used Autos (2015-2010, 36 month loans) |
3.70 % APR* |
| New & Used Autos (2015-2010, 48 month loans) |
3.70 % APR* |
| New & Used Autos (2015-2010, 60 month loans) |
3.95 % APR* |
| New & Used Autos (2015-2010, 72 month loans) |
4.45 % APR* |
| New & Used Autos (2015-2010, 84 month loans) |
5.20 % APR* |
| First Car Loan (2015-2010) |
6.20 % APR* |
| Older Autos (2009 and older, up to 60 month loans) |
9.10 % APR* |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
When you set-up an automatic payment transfer from your CWCU savings or checking account you will receive a rate discount of 0.25%!
Note: Autos with over 100,000 miles are subject to an additional .50% rate increase.
Note: Certain loans may have more requirements.
Last Updated: January 2, 2020
| DESCRIPTION |
APR (as low as) |
| New RVs (2020-2019, up to 120 months) |
5.70 % APR* |
| Used RVs (2018-2010, up to 120 months) |
6.70 % APR* |
| Used RVs (2009 and older, up to 60 months) |
9.10 % APR* |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
When you set-up an automatic payment transfer from your CWCU savings or checking account you will receive a rate discount of 0.25%!
Note: Autos with over 100,000 miles are subject to an additional .50% rate increase.
Note: Certain loans may have more requirements.
Last Updated: January 2, 2020
| DESCRIPTION |
APR (as low as) |
| First Car Loan (2020-2016) |
5.70 % APR* |
| First Car Loan (2015-2010) |
6.20 % APR* |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
When you set-up an automatic payment transfer from your CWCU savings or checking account you will receive a rate discount of 0.25%!
Note: Autos with over 100,000 miles are subject to an additional .50% rate increase.
Note: Certain loans may have more requirements.
Last Updated: January 2, 2020
HELOC Variable Rates (3.50% APR Floor)
| DESCRIPTION |
LOAN-TO-VALUE |
APR (as low as) |
| Prime Equity Line of Credit |
Between 76.00 – 85.00% |
Prime* +.00% |
| Prime Advantage Equity Line of Credit |
Between 0.00 – 75.00% |
Prime* -.50% |
*Prime Rate as of 10-31-2019: 4.75% APR
*APR = Annual Percentage Rate. Rates Subject to change. APR may be higher depending on your application. Appraisal may be required.
Home Equity Fixed Rates
| DESCRIPTION |
LOAN-TO-VALUE |
APR (as low as) |
| Fixed Rate Up to 120 Months |
Less or equal to 80.00% |
4.75% APR |
| Fixed Rate Up to 180 Months |
Less or equal to 80.00% |
5.25% APR |
| Fixed Rate Up to 120 Months |
Between 81.00% to 95.00% |
5.00% APR |
| Fixed Rate Up to 180 Months |
Between 81.00% to 95.00% |
5.50% APR |
*Prime Rate as of 10-31-2019: 4.75% 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.
Last Updated: January 2, 2020
| DESCRIPTION |
APR (as low as) |
| Mortgage Retirement Loan(Based on $100,000) |
3.25 % 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.
Last Updated: January 2, 2020
| DESCRIPTION |
APR |
|
| Prime + 7.00% Monthly Variable |
Currently 11.75% (Prime at 4.75%) |
|
*Prime Rate as of 10-31-2019: 4.75% APR
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.
Last Updated: January 2, 2020
| 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.
Last Updated: January 2, 2020
| 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.
Last Updated: January 2, 2020
| DESCRIPTION |
APR (as low as) |
| 12–60 Month Personal Loan |
9.10 % APR |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.
Last Updated: January 2, 2020
| 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.
Last Updated: January 2, 2020
|
5 Year APR |
10 Year APR |
15 Year APR |
| Variable Rate |
3.75% |
4.25% |
5.00% |
| 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.
Last Updated: January 2, 2020
| DESCRIPTION |
APR (as low as) |
| CUSC Tuition Loan |
7.25% APR |
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.
Last Updated: January 2, 2020
| DESCRIPTION |
APR (as low as) |
| CWCU Tuition Loan |
5.750 % APR
|
*APR = Annual Percentage Rate. Subject to change. APR may be higher depending on your application.
Note: Certain loans may have more requirements.
Last Updated: January 2, 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.
For more details, select a specific credit card below.
*APR = Annual Percentage Rate. Subject to change. Approval and rates based on credit worthiness.
