Auto Loans

Last Updated: August 1, 2019
DESCRIPTION APR (as low as)
New & Used Autos (2019-2015, 36 month loans) 3.95 % APR*
New & Used Autos (2019-2015, 48 month loans) 3.95 % APR*
New & Used Autos (2019-2015, 60 month loans) 3.95 % APR*
New & Used Autos (2019-2015, 72 month loans) 4.45 % APR*
New & Used Autos (2019-2015, 84 month loans) 5.20 % APR*
First Car Loan (2019-2015) 6.20 % APR*
New & Used Autos (2014-2009, 36 month loans) 4.20 % APR*
New & Used Autos (2014-2009, 48 month loans) 4.20 % APR*
New & Used Autos (2014-2009, 60 month loans) 4.45 % APR*
New & Used Autos (2014-2009, 72 month loans) 4.95 % APR*
New & Used Autos (2014-2009, 84 month loans) 5.70 % APR*
First Car Loan (2014-2009) 6.70 % APR*
Older Autos (2008 and older, up to 60 month loans) 9.35 % 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.

Recreational Loans

Last Updated: August 1, 2019
DESCRIPTION APR (as low as)
New RVs (2019-2018, up to 120 months) 5.95 % APR*
Used RVs (2017-2009, up to 120 months) 6.95 % APR*
Used RVs (2008 and older, up to 60 months) 9.35 % 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.

First Car Loans

Last Updated: August 1, 2019
DESCRIPTION APR (as low as)
First Car Loan (2019-2015) 6.20 % APR*
First Car Loan (2014-2009) 6.70 % 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.

Home Equity Loans

Last Updated: August 1, 2019

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* +.25%
Prime Advantage Equity Line of Credit Between 0.00 – 75.00% Prime* -.25%

*Prime Rate as of 12-19-2018: 5.50% 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 84 Months Less or equal to 80.00% 5.25% APR
Fixed Rate Up to 180 Months Less or equal to 80.00% 6.00% APR
Fixed Rate Up to 84 Months Between 81.00% to 95.00% 5.75% APR
Fixed Rate Up to 180 Months Between 81.00% to 95.00% 6.50% APR

*Prime Rate as of 12-19-2018: 5.50% 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: August 1, 2019
DESCRIPTION APR (as low as)
Mortgage Retirement Loan(Based on $100,000) 3.99 % 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.

Line of Credit Loans

Last Updated: August 1, 2019
DESCRIPTION APR
Prime + 7.00% Monthly Variable Currently 12.50% (Prime at 5.50%)

*Prime Rate as of 12-19-2018: 5.50% 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: August 1, 2019
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.

Credit Builder Loans

Last Updated: August 1, 2019
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.

Personal Loans

Last Updated: August 1, 2019
DESCRIPTION APR (as low as)
12–60 Month Personal Loan 9.35 % 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: August 1, 2019
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.

CUSC Refinance Loans

Last Updated: August 1, 2019
5 Year APR 10 Year APR 15 Year APR
Variable Rate 4.500% 5.000% 5.75%
Fixed Rate 4.500% 5.000% 5.75%

 

*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: August 1, 2019
DESCRIPTION APR (as low as)
CUSC Tuition Loan 8.000 % 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: August 1, 2019
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.

Credit Cards

Last Updated: August 1, 2019

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.