Hello!
Let's make your goals happen - how can we support you?
Your Goals, Our Solutions.
Mortgage Programs
Your Home, Your Savings
Explore your options and see what works best for you—whether it's securing a loan for your dream home or refinancing to lower your rate.
Auto Refinance
Drive Down Your Payment,
Earn Cash Back!
Refinance your auto loan with CommonWealth and enjoy a lower monthly payment—plus, get 1% cash back when you bring your loan from another lender!
Emergency Savings Account
Be Ready for the Unexpected
Be ready for life’s surprises with an Emergency Savings Account. Whether it’s a medical bill, car repair, or job loss, you’ll have a safety net when you need it most. Start preparing today!
Best Local Credit Union in Gilroy and Morgan Hill
We’re honored to be named Best Local Credit Union in both Morgan Hill and Gilroy.
For 10 years, Morgan Hill has trusted CommonWealth as its Gold Winner for Best Local Credit Union, a recognition that means even more because of the relationships we’ve built since 1987.
And, less than a year after opening our Gilroy branch, we’re humbled to be welcomed as the Gold Winner for Best Local Credit Union in Best of Gilroy.
These honors are about more than awards. They’re a reflection of the connections we’ve made, the communities we’re proud to serve, and the trust our members place in us every day.
Thank you, Morgan Hill and Gilroy, for welcoming us, supporting us, and making us part of your lives. We’re honored to be your credit union.
Why Join?
Membership has it's Perks
At CommonWealth Central Credit Union, we’re more than just a place to bank—we’re here to help you feel confident about your finances. With compassionate guidance and perks that make a real difference, we’re all about helping you save smarter, borrow better, and reach your goals.
Join Now
Membership Perks
With All These Benefits, What's Not to Love?
What Our Members Are Saying
CommonThread Featured Blog Article
FlexPath HELOC: A Flexible Way to Put Your Home Equity to Work
A Home Equity Line of Credit allows you to borrow against the available equity in your home, giving you access to funds when you need them. With a traditional HELOC, your interest rate varies with the market, which means your monthly payment can change over time. A FlexPath HELOC gives you the best of both worlds.
Here's what makes CommonWealth’s FlexPath HELOC unique:
- Draw from your available line of credit whenever you need funds during your 10-year draw period.
- When you're ready, lock in all or part of your balance at a fixed rate.
- Choose repayment terms of 7, 10, 15, or 20 years for each fixed-rate segment.
- Keep any remaining balance available under the variable-rate portion of your HELOC for future needs.
Even better, you can have up to three separate fixed-rate segments at the same time, allowing you to manage different expenses independently. As you repay each fixed-rate segment, that available credit becomes accessible again during your draw period, giving you continued borrowing flexibility.
If you're looking for a financing solution that can adapt as your needs change, a FlexPath HELOC may be the perfect fit.
Whether you're tackling one large project or planning for future expenses, you'll have the flexibility to borrow when you need it and the option to lock in stable payments when you're ready.
Check out the full blog to learn more about the new FlexPath HELOC.
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Meet With A Certified Financial Counselor
Your personal guide to help you navigate your financial journey. As a member, you have free access to Certified Financial Counselors who can help you stay on track with your goals.
- Free, one-on-one coaching from Certified Financial Counselors
- Services include debt counseling, credit reviews, and financial check-ups
- Available in English, Spanish, and other languages
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WealthMatters
WealthMatters is designed to help you build financial confidence at your own pace. With self-guided, interactive modules, you’ll gain practical tips on budgeting, investing, homeownership, and retirement planning—giving you the knowledge to make informed decisions that support your goals.
- Self-paced, 2-5 minute modules that fit your schedule
- Available in both English and Spanish
- Real-world financial tips
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Upcoming BALANCE Webinars
November – The Sandwich Generation: Strategies for Multigenerational Caregiver
Caring for both children and aging loved ones can strain time, finances, and emotional wellbeing. This workshop helps multigenerational caregivers understand competing financial demands, plan proactively, and access resources. Participants learn strategies to reduce stress, set boundaries, and support stability for themselves and their families.
Date
Time
Tuesday, November 10th
10:30am - 11:30am
Register Here Thursday, November 19th
2:00pm - 3:00pm
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Financial Wellness Blog
Read. Learn. Thrive.
Looking for expert money tips, CommonWealth news, and fraud prevention updates? Our blog covers everything from budgeting and debt management to the latest scams and upcoming events.
Featured Blog Posts
- The Most Useful Features in Mobile Banking Apps
- Is it Safe to Send and Receive Money Online?
- How to Throw Budget-Friendly Parties All Year Long
- Family Preparedness—Get Your Vital Info in Order
- Starting a 529 Plan: Simple Steps to Save for Education
- FlexPath HELOC: A Flexible Way to Put Your Home Equity to Work
Want more? Check out all our blog posts!
News & Events
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