Auto Loans

Last Updated: October 26, 2020
2020 – 2016 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*
2015 – 2010 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 (2009 and older, up to 60-month term) 9.25 % 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: October 26, 2020
2020 – 2019 New & Used RV Loans APR (as low as)
60-month term 5.00 % APR*
84-month term 5.50 % APR*
120-month term 6.00 % APR*
180-month term 7.50 % APR*
2018 – 2010 Used RV Loans APR (as low as)
60-month term 6.00 % APR*
84-month term 6.50 % APR*
120-month term 7.00 % APR*
180-month term 8.50 % APR*
Older RVs (2009 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.

First Car Loans

Last Updated: October 26, 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: October 26, 2020
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.

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.

Mortgage Retirement Loans

Last Updated: October 26, 2020
Mortgage Retirement Loan APR (as low as)
Based on $100,000 2.25 % 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.

Line of Credit Loans

Last Updated: October 26, 2020
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.

Smart Choice Loans

Last Updated: October 26, 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.

Credit Builder Loans

Last Updated: October 26, 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.

Personal Loans

Last Updated: October 26, 2020
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.

Laptop Loans

Last Updated: October 26, 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.

CUSC Refinance Loans

Last Updated: October 26, 2020
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.

CUSC Tuition Loans

Last Updated: October 26, 2020
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.

CWCU Tuition Loans

Last Updated: October 26, 2020
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.

Credit Cards

Last Updated: October 26, 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.

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