Auto Loans
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.
Recreational Loans
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.
First Car Loans
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.
Home Equity Loans
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.
Mortgage Retirement Loans
Rates effective as of today.
| Mortgage Retirement Loan | 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.
Line of Credit Loans
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.
Smart Choice Loans
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.
Credit Builder Loans
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.
Personal Loans
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.
Laptop Loans
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.
CUSC Refinance Loans
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.
CUSC Tuition Loans
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.
CWCU Tuition Loans
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.
Credit Cards
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.
