Credit union · NCUA insured
CommonWealth Central Credit Union
A $626.9M credit union headquartered in San Jose, CA, with 37,678 members and 4 branches in California. Best rates: CDs 4.00% and savings 0.65% APY.
CommonWealth Central Credit Union Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#22 of 39 in San Jose, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CommonWealth Central Credit Union
- Headquarters
- 5890 Silver Creek Valley Rd, San Jose, CA 95138
- NCUA charter
- 61741
Branches
4 branches in California
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California
4 branches
- Gilroy Branch8000 Santa Teresa Blvd, Gilroy, CA 95020Directions
- Morgan Hill - Tennant400 Tennant Sta, Morgan Hill, CA 95037Directions
- Cambrian3075 Union Ave, San Jose, CA 95124Directions
- Silver Creek5890 Silver Creek Valley Rd, San Jose, CA 95138Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.23% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.41% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.70% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio14.23%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.41%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.70%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of CommonWealth Central Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.