Credit union · NCUA insured
CommonWealth One Credit Card Rates
CommonWealth One credit cards start at 12.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How CommonWealth One’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where CommonWealth One has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
CommonWealth One
12.75%APR
- Up to
- 18.00% APR
Visa Platinum
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
CommonWealth One credit card score
69
Credit card score
Higher than 23% of U.S. banks and credit unions
- Purchase APRPurchase APR12.75%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
Credit line up to $25,000. Rates are variable based on Prime Rate and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75%–18.00% | None | Variable APR for purchases based on Prime Rate. |
Sources (2)
- cofcu.org/borrow/personal/personal-credit-cards
- cofcu.org/borrow/personal/pers…edit-cards/visa-platinum
All captured Oct 4, 2026
Visa Platinum Rewards
Credit line up to $25,000. Rates are variable based on Prime Rate and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.50%–18.00% | None | Variable APR for purchases based on Prime Rate. |
Sources (2)
- cofcu.org/borrow/personal/personal-credit-cards
- cofcu.org/borrow/personal/pers…ds/visa-platinum-rewards
All captured Oct 4, 2026
Visa Signature Rewards
Credit line up to $25,000. Rates are variable based on Prime Rate and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.75%–18.00% | None | Variable APR for purchases based on Prime Rate. |
Sources (2)
- cofcu.org/borrow/personal/personal-credit-cards
- cofcu.org/borrow/personal/pers…s/visa-signature-rewards
All captured Oct 4, 2026
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This may be incomplete or out of date, so check with the credit union before you apply.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.