Credit union · NCUA insured
CommonWealth One Auto Loan Rates
CommonWealth One auto loans start at 5.14% APR for a new vehicle and 5.64% for a used one. Rates checked October 22, 2026.
How CommonWealth One’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where CommonWealth One has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CommonWealth One
5.14%APR
- Terms
- 49–60 months
New Car Loan
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
CommonWealth One auto loan score
75
Auto loan score
Higher than 39% of U.S. banks and credit unions
- New vehicleNew5.14%
- Used vehicleUsed5.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CommonWealth One 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.
Motorcycle Loan
Fixed APR as low as stated rate based on creditworthiness. Minimum monthly payment is $45.00. 2025 and newer models for New Motorcycles, 2024 and older for Used Motorcycles. See Fee Schedule for related charges and Consumer Loan Disclosure for all terms and conditions.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.64% | New Motorcycles: 2025 and newer. Fixed APR as low as 5.64% for terms up to 36 months. |
| 37–48 months | 6.04% | New Motorcycles: 2025 and newer. Fixed APR as low as 6.04% for terms of 37 to 48 months. |
| 49–60 months | 6.14% | New Motorcycles: 2025 and newer. Fixed APR as low as 6.14% for terms of 49 to 60 months. |
| 61–72 months | 6.30% | New Motorcycles: 2025 and newer. Fixed APR as low as 6.30% for terms of 61 to 72 months. |
| 73–84 months | 7.30% | New Motorcycles: 2025 and newer. Fixed APR as low as 7.30% for terms of 73 to 84 months. |
| up to 36 months | 6.14% | Used Motorcycles: 2024 and older. Fixed APR as low as 6.14% for terms up to 36 months. |
| 37–48 months | 6.54% | Used Motorcycles: 2024 and older. Fixed APR as low as 6.54% for terms of 37 to 48 months. |
| 49–60 months | 6.64% | Used Motorcycles: 2024 and older. Fixed APR as low as 6.64% for terms of 49 to 60 months. |
| 61–72 months | 6.80% | Used Motorcycles: 2024 and older. Fixed APR as low as 6.80% for terms of 61 to 72 months. |
| 73–84 months | 7.80% | Used Motorcycles: 2024 and older. Fixed APR as low as 7.80% for terms of 73 to 84 months. |
Sources (1)
- cofcu.org/connect/information/rates/loan-rates · captured Oct 15, 2026
New Car Loan
Fixed APR as low as stated rate based on creditworthiness. Applies to 2025 models and newer. Financing available up to 135% of NADA Retail Value on new and used cars. Minimum monthly payment is $45.00. Car loans with terms of 49 to 60 months require a minimum $10,000 purchase price ($7,000 on promotional pages); 61 to 72 months require a minimum $20,000 purchase price ($15,000 on promotional pages); 73 to 84 months require a minimum $35,000 purchase price ($20,000 on promotional pages); 85 to 96 months require a minimum $50,000 purchase price.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.64% | Fixed APR as low as 4.64% for terms up to 36 months on 2025 models and newer. |
| 37–48 months | 5.04% | Fixed APR as low as 5.04% for terms of 37 to 48 months on 2025 models and newer. |
| 49–60 months | 5.14% | Fixed APR as low as 5.14% for terms of 49 to 60 months on 2025 models and newer; requires minimum $10,000 purchase price ($7,000 on promotional pages). |
| 61–72 months | 5.30% | Fixed APR as low as 5.30% for terms of 61 to 72 months on 2025 models and newer; requires minimum $20,000 purchase price ($15,000 on promotional pages). |
| 73–84 months | 6.30% | Fixed APR as low as 6.30% for terms of 73 to 84 months on 2025 models and newer; requires minimum $35,000 purchase price ($20,000 on promotional pages). |
| 85–96 months | 8.84% | Fixed APR as low as 8.84% for terms of 85 to 96 months on 2025 models and newer; requires minimum $50,000 purchase price. |
Used Car Loan
Fixed APR as low as stated rate based on creditworthiness. Also covers used car refinancing. Financing available up to 135% of NADA Retail Value on new and used cars. Minimum monthly payment is $45.00. Car loans with terms of 49 to 60 months require a minimum $10,000 purchase price ($7,000 on promotional pages); 61 to 72 months require a minimum $20,000 purchase price ($15,000 on promotional pages); 73 to 84 months require a minimum $35,000 purchase price ($20,000 on promotional pages); 85 to 96 months require a minimum $50,000 purchase price. Rates available for 2019-2024 models and 2018 models and older (20 years old max).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.14% | 2019 - 2024 models. Fixed APR as low as 5.14% for terms up to 36 months. |
| 37–48 months | 5.54% | 2019 - 2024 models. Fixed APR as low as 5.54% for terms of 37 to 48 months. |
| 49–60 months | 5.64% | 2019 - 2024 models. Fixed APR as low as 5.64% for terms of 49 to 60 months; requires minimum $10,000 purchase price ($7,000 on promotional pages). |
| 61–72 months | 5.80% | 2019 - 2024 models. Fixed APR as low as 5.80% for terms of 61 to 72 months; requires minimum $20,000 purchase price ($15,000 on promotional pages). |
| 73–84 months | 6.80% | 2019 - 2024 models. Fixed APR as low as 6.80% for terms of 73 to 84 months; requires minimum $35,000 purchase price ($20,000 on promotional pages). |
| 85–96 months | 9.34% | 2019 - 2024 models. Fixed APR as low as 9.34% for terms of 85 to 96 months; requires minimum $50,000 purchase price. |
| up to 36 months | 5.54% | 2018 models and older (20 years old max). Fixed APR as low as 5.54% for terms up to 36 months. |
| 37–48 months | 6.04% | 2018 models and older (20 years old max). Fixed APR as low as 6.04% for terms of 37 to 48 months. |
| 49–60 months | 6.29% | 2018 models and older (20 years old max). Fixed APR as low as 6.29% for terms of 49 to 60 months; requires minimum $10,000 purchase price ($7,000 on promotional pages). |
| 60–72 months | 6.54% | 2018 models and older (20 years old max). Fixed APR as low as 6.54% for terms of 60 to 72 months; requires minimum $20,000 purchase price ($15,000 on promotional pages). |
| 73–84 months | 8.00% | 2018 models and older (20 years old max). Fixed APR as low as 8.00% for terms of 73 to 84 months; requires minimum $35,000 purchase price ($20,000 on promotional pages). |
Who can join CommonWealth One
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals who live, work, worship, go to school, or volunteer in eligible areas, including Washington D.C., Harrisonburg, VA, Warren County, VA, or Clarke County, VA.
Employers and groups
- Membership is available to employees of qualifying sponsor groups or select employer groups.
Family and household
- Membership is available to immediate family members of existing members (including spouses, children, siblings, parents, grandparents, grandchildren) and household members maintaining a single economic unit.
Other ways
- Membership is available through joining the American Consumer Council (ACC), with the one-time enrollment fee covered by the credit union.
Cost to join
- To access services and join, open a savings account and deposit at least $5.
Membership information collected October 4, 2026.