- Vehicle Loans
- Credit Cards
- Home Loans
To protect the health and wellness of our members, employees, and our community, we are limiting the number of members entering branch locations and practicing current social distancing protocols. To review all of our COVID-19 updates and other ways we can help you, click here.
CommonWealth Central Credit Union in Milpitas, CA
CommonWealth has five branch locations throughout Santa Clara County. Our Milpitas Branch is located in the Milpitas Town Centre just off interstate 680. Stop by to say hello and experience our excellent service in person. We're here to help!
537 E Calaveras Blvd
Milpitas, CA 95035
|Monday||9:00am - 5:00pm||24 Hours|
|Tuesday||9:00am - 5:00pm||24 Hours|
|Wednesday||9:00am - 5:00pm||24 Hours|
|Thursday||9:00am - 5:00pm||24 Hours|
|Friday||9:00am - 6:00pm||24 Hours|
|Saturday||9:00am - 2:00pm||24 Hours|
Not a Member Yet?
There are several ways to be eligible for membership. You can become a member if:
- You live or work in Santa Clara County.
- You are a relative of or you reside with a current CommonWealth member.
- You are an employee of a participating CommonWealth Member Company.
- Earn 1.50% APY1 on balances up to $20,000
- No Minimum Balance
- No Monthly Fee2
- Free Mobile Banking
- Free Bill Pay
- Money Management Tools available
- Manage your debit card with the CardControl app
Home Mortgage Loans
- Conforming and Jumbo loans
- Fixed and adjustable-rate mortgages
- No application fees
- No prepayment penalties
Whichever stage of life you are in, whether you are buying a car, saving up for a special event, or planning for retirement, CommonWealth is here to help.
- Holiday Savings Account
- Individual Retirement Accounts
- Certificates of Deposit
- Visa Credit Cards
- Personal Loans
1APY=Annual Percentage Yield. Rate is variable and subject to change at any time. To qualify for the Rewards Checking APY, you must meet the following requirements by the end of each month: be enrolled in eStatements, have direct deposit or ACH deposit transactions totaling $300 or more per month, and have at least 15 debit and/or credit card transactions per month. All qualifying transactions must post to the account and the funds must be available by 3:00pm on the last day of each month. Note: Debit and credit card purchases can take up to 3 days to post and are dependent upon merchant processing times. If you do not meet the Rewards Checking account requirements, you will not receive the APY. Rewards Checking APY is up to a max balance of $20,000 and thereafter standard rate of 0.05% will apply. Membership in CommonWealth required. Limit one Rewards Checking account per member. All new accounts will be verified by ChexSystems. Members with an existing CommonWealth checking account may convert their current account into a Rewards Checking account. Offer is subject to cancellation without notice and cannot be combined with any other offer.
2No monthly service charge for Rewards Checking. You must opt-in to eStatements to have the $2 monthly paper statement charge waived.
3APR=ANNUAL PERCENTAGE RATE. Advertised rate of 2.99% APR for 36 months is based on a new vehicle. Loan payment example: $29.08 per month for each $1,000 borrowed at 2.99% APR for 36 months. Longer terms are available. All rates are subject to loan term limits and certain restrictions may apply. Contact us for minimum loan amounts by term, maximum loan amounts and loan-to-value requirements. The rate you receive will be based on certain credit-worthiness factors and approximate repayment and may be higher than the rate shown above. Please ask us for the rate for which you qualify. Rates and terms are subject to change without notice and all loans subject to credit approval.
4If you take advantage of the “no payments for 90 days” option finance charges will still accrue, the total finance charges paid on your loan will increase, and the maturity date of the loan will be extended. Minimum FICO score 680.
51% cash back offer valid only for vehicles refinanced from another financial institution. 1% cash back will be paid at loan closing. Refinance of existing CommonWealth auto loans do not qualify. You must keep your auto loan open for 12 months in order to keep the 1% cash back incentive. Cash back incentives over $599.99 are subject to IRS reporting on form 1099-MISC.