Credit union · NCUA insured
CommonWealth Central Credit Union Auto Loan Rates
CommonWealth Central Credit Union auto loans start at 5.29% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How CommonWealth Central Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Jose, CA, where CommonWealth Central Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CommonWealth Central Credit Union
5.29%APR
- Terms
- 49–60 months
- Up to
- 16.04% APR
- Discount
- None included
New Auto
Lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
Stanford Federal Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
CommonWealth Central Credit Union auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CommonWealth Central Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Model Years 2011-2019
Model years 2011-2019. Rates are based on creditworthiness and repayment factors. Rates are for new loans only; refinance terms will differ.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 7.39%–18.14% | Model years 2011-2019 |
| 37–60 months | 7.39%–18.14% | Model years 2011-2019 |
Sources (1)
- wealthcu.org/auto-loan-rates · captured Oct 7, 2026
New Auto
Model years 2025-2026. Rates are based on creditworthiness and repayment factors. Rates are for new loans only; refinance terms will differ.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 5.19%–15.94% | Model years 2025-2026 |
| 37–48 months | 5.19%–15.94% | Model years 2025-2026 |
| 49–60 months | 5.29%–16.04% | Model years 2025-2026 |
| 61–72 months | 5.49%–16.24% | Model years 2025-2026 |
| 73–84 months | 5.89%–16.64% | Model years 2025-2026 |
Sources (1)
- wealthcu.org/auto-loan-rates · captured Oct 7, 2026
Used Auto Model years 2020-2026
Model years 2020-2026 with more than 5,000 miles. Rates are based on creditworthiness and repayment factors. Rates are for new loans only; refinance terms will differ.
| Terms | APR | Conditions |
|---|---|---|
| 24–36 months | 5.39%–16.14% | Model years 2020-2026 with more than 5,000 miles |
| 37–48 months | 5.39%–16.14% | Model years 2020-2026 with more than 5,000 miles |
| 49–60 months | 5.49%–16.24% | Model years 2020-2026 with more than 5,000 miles |
| 61–72 months | 5.69%–16.44% | Model years 2020-2026 with more than 5,000 miles |
| 73–84 months | 6.09%–16.84% | Model years 2020-2026 with more than 5,000 miles |
Sources (1)
- wealthcu.org/auto-loan-rates · captured Oct 7, 2026
Who can join CommonWealth Central Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.