Credit union · NCUA insured
CommonWealth Central Credit Union Savings Rates
CommonWealth Central Credit Union’s best savings rate is 0.65% APY on $10,000, with its Money Management Account. Rates checked October 16, 2026.
How CommonWealth Central Credit Union’s savings rates compare
Compared with banks and credit unions near San Jose, CA, where CommonWealth Central Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CommonWealth Central Credit Union
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $100
Emergency Savings
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
CommonWealth Central Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0000.70%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where CommonWealth Central Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Emergency Savings
1.00%APY
Tiered high-yield variable rate savings account. Limit one account per member. Requires monthly automatic transfer, direct deposit, or ACH deposit totaling $25 or more by the end of each month to qualify for the APY. Maximum deposit is $250,000. No monthly fee. For a limited time, CommonWealth matches initial $25 deposit. Includes annual wellness check-in ($25 incentive). Membership required; verified by Chex Systems. Cannot be combined with any other offer.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier for balances up to $1,000. Monthly qualifying deposit/transfer of $25+ required. | 1.00% | — | Tier for balances up to $1,000. Monthly qualifying deposit/transfer of $25+ required. |
| $1,000 – $5,000Tier for balances $1,000 (or $1,001) to $5,000. Monthly qualifying deposit/transfer of $25+ required. | 3.00% | — | Tier for balances $1,000 (or $1,001) to $5,000. Monthly qualifying deposit/transfer of $25+ required. |
| $5,000 – $10,000Tier for balances $5,000 (or $5,001) to $10,000. Monthly qualifying deposit/transfer of $25+ required. | 1.00% | $100 | Tier for balances $5,000 (or $5,001) to $10,000. Monthly qualifying deposit/transfer of $25+ required. |
| $10,001 – $250,000Tier for balances $10,001 to $250,000. Monthly qualifying deposit/transfer of $25+ required. | 0.05% | — | Tier for balances $10,001 to $250,000. Monthly qualifying deposit/transfer of $25+ required. |
Sources (3)
All captured Sep 16, 2026
Money Management Account
0.65%APY
Variable rate account using simple interest calculated daily and paid monthly. Maximum of 6 withdrawals per month (up to 3 by check). First 40 checks are free.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Applies if balance falls below $2,500. | 0.03% | — | Applies if balance falls below $2,500. |
| $2,500 and up | 0.65% | $65 | |
| $10,000 and up | 0.65% | $65 | |
| $25,000 and up | 0.65% | — | |
| $50,000 and up | 0.65% | — | |
| $100,000 and up | 0.70% | — | |
| $250,000 and up | 0.75% | — |
Wealth Management Savings
0.65%APY
Variable rate savings account using simple interest on a daily basis with monthly dividends. Requires an active checking account with CommonWealth to open. If balance drops below $2,500, dividend rate and APY become 0.03%. Subject to 6 transfers/withdrawals limit per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Fallback rate if balance drops below $2,500. | 0.03% | — | Fallback rate if balance drops below $2,500. |
| $2,500 and upTiers $2,500 to $9,999.99 earn 0.65% APY. | 0.65% | $65 | Tiers $2,500 to $9,999.99 earn 0.65% APY. |
| $10,000 and upTiers $10,000 to $49,999.99 earn 0.65% APY. | 0.65% | $65 | Tiers $10,000 to $49,999.99 earn 0.65% APY. |
| $50,000 and upTiers $50,000 to $99,999.99 earn 0.65% APY. | 0.65% | — | Tiers $50,000 to $99,999.99 earn 0.65% APY. |
| $100,000 and upTier $100,000 and above earns 0.70% APY. | 0.70% | — | Tier $100,000 and above earns 0.70% APY. |
Regular Share
0.05%APY
Variable rate share account using simple interest on a daily basis with monthly dividends. A $10 quarterly inactivity fee applies if balance falls below $500 with no other active loan/share accounts and no account activity other than dividend postings in the past year. Account will be closed if balance reaches $0. Subject to 6 transfers/withdrawals limit per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100. Minimum balance to open is $10.00.$100 and up | 0.05% | $5 | Minimum balance to earn APY is $100. Minimum balance to open is $10.00. |
Special-purpose accounts
Wealth Management IRA
0.65%APY
Variable rate IRA savings account using simple interest on a daily basis with dividends paid monthly. Available under Traditional, Roth, and Coverdell Education IRA account types. Open with minimum deposit of $100 across CommonWealth IRA accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upTier for minimum balance $2,500. Variable rate with monthly dividends. | 0.65% | $65 | Tier for minimum balance $2,500. Variable rate with monthly dividends. |
| $10,000 and upTier for minimum balance $10,000. Variable rate with monthly dividends. | 0.65% | $65 | Tier for minimum balance $10,000. Variable rate with monthly dividends. |
| $50,000 and upTier for minimum balance $50,000. Variable rate with monthly dividends. | 0.65% | — | Tier for minimum balance $50,000. Variable rate with monthly dividends. |
| $100,000 and upTier for minimum balance $100,000. Variable rate with monthly dividends. | 0.70% | — | Tier for minimum balance $100,000. Variable rate with monthly dividends. |
Sources (3)
- wealthcu.org/deposit-rates
- wealthcu.org/individual-retirement-accounts-ira
- wealthcu.org/savings-accounts
All captured Sep 16, 2026
Holiday Club
0.05%APY
Open with $1 minimum deposit. Minimum balance to earn APY is $100. Funds automatically transfer to Regular Share Account on November 1st, and account renews annually. Early withdrawal fee of $20 applies. Variable rate with simple interest paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100. Opening minimum is $1.00.$100 and up | 0.05% | $5 | Minimum balance to earn APY is $100. Opening minimum is $1.00. |
Youth Share
0.05%APY
For children and teens (including Sammy Star Savers Club for under 13 and FYI Club for ages 13-17). An adult member of CommonWealth must be joint on the account. Minimum balance of $5.00 required to keep account open. Variable rate with daily simple interest, dividends paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance of $5.00 required to open and earn APY.$5 and up | 0.05% | $5 | Minimum balance of $5.00 required to open and earn APY. |
Sources (3)
All captured Sep 16, 2026
Closed to new customers
Get to Know You Savings for New Members
1.00%APY
Effective 4/22/2026, Get To Know You Savings Accounts are discontinued and new accounts will no longer be opened. Existing account holders retain access to their accounts as they currently are. Was available only to new members during the first 60 days from date of opening membership account. Limit one account per member. Maximum deposit is $250,000. Cannot be combined with any other offer. Variable rate account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier for balances up to $5,000. Opening minimum $50. Available during first 60 days of membership prior to discontinuation. | 3.00% | — | Tier for balances up to $5,000. Opening minimum $50. Available during first 60 days of membership prior to discontinuation. |
| $5,000 – $10,000Tier for balances $5,000 to $10,000. Opening minimum $50. Available during first 60 days of membership prior to discontinuation. | 1.00% | $100 | Tier for balances $5,000 to $10,000. Opening minimum $50. Available during first 60 days of membership prior to discontinuation. |
| $10,001 – $250,000Tier for balances $10,001 to $250,000. Opening minimum $50. Available during first 60 days of membership prior to discontinuation. | 0.05% | — | Tier for balances $10,001 to $250,000. Opening minimum $50. Available during first 60 days of membership prior to discontinuation. |
Sources (1)
- wealthcu.org/deposit-rates · captured Sep 16, 2026
Who can join CommonWealth Central Credit Union
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