Together we will make a pretty great team when it comes to your personal finances. Whichever stage of life you are in, whether you are buying a car, saving up for a special event, planning for retirement, or anything in-between, we are here for you every step of the way! We have the financial solutions and tools to provide you with a unique, personalized banking experience, giving you the value and attention, you deserve.

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Happy Millennial woman driving off in her new car. CommonWealth Central Credit Union car buying services.

Quick Sign-Up

Join today using our simple online portal or through a quick video call with one of our helpful member service representatives.

To Get Started

You'll need just $15 to get started: $5 is a one-time membership fee and $10 will go straight into your new share or savings account.


We're here to make your life easy. You can reach us via online and mobile banking, video call, our call center, or at your local branch.


Community and Membership Discounts We've teamed up with a selection of your favorite leisure places and businesses to get you some great deals. From the Monterey Bay Aquarium to Six Flags, and from Enterprise Car Sales to TurboTax, we've got discounts everyone in your family can use. Learn More
Rewards Checking With no monthly fee and no minimum balance needed to earn dividends, our Rewards Checking Account lets you earn 1.50% APY* on balances up to $20,000. To qualify, just choose eStatements, use your card over 15 times a month, and have over $300 of direct deposits. Learn More
Lower Rates Did you know that credit unions like CommonWealth typically offer better rates than other financial institutions? That’s because we are a not-for-profit and our revenue goes back to our members, not faraway shareholders. Learn More
Community Involvement CommonWealth plays an active role in the community – we live here, work here, and volunteer here. We show up at your favorite festivals and parades. We highlight our local charities and offer scholarships. Plus, we support our schools because everyone deserves to succeed. Learn More


We're Here To Streamline Your Life

We get it. People who live and work in Santa Clara, CA are busy people and we're not here to waste your time or money. Therefore, our goal is to offer you lower rates on borrowing and higher interest on savings. Above all, we are your financial partner for loans, savings, and all banking needs.

At CommonWealth Central Credit Union, we also pride ourselves on offering you an array of discounts that you'll actually want to use. Plus, we're giving you $50 for every family member, friend, and colleague you refer to us -- and they get $50 too! Meanwhile, if you're finding it hard to make ends meet, we've got your back with our hardship assistance programs.

Find out how membership with CommonWealth Central Credit Union can make your life better. Join today.


Featured Products

Consumer Loans

Do you have your eye on a new car? Maybe it’s a personal loan you’re searching for or a credit card to fund your needs right now. Whatever consumer loan you need, CommonWealth is the place to go for competitive rates and flexible terms that fit your lifestyle and budget.

Learn More About Vehicle Loans
Learn More About Personal Loans
Learn More About Credit Cards

Home Loans

Whether it’s a first-time mortgage or you want to leverage your current home’s equity with a home equity loan or line of credit, CommonWealth members can count on great rates, desirable terms, an easy application process, and top-notch member service.

Learn More

Banking Services

Accessing your money shouldn’t be a hassle. CommonWealth's online and mobile banking allows you to take care of all of your saving and spending needs easily and securely from anywhere. Or, visit a branch in person if you prefer. We’re here to help as your trusted financial partner.

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A Proven Record of Making Members Happy


"They make it easy... transfers between accounts or outside accounts, bill pay, mobile deposits and excellent customer service! They are the best!"

— Sue C.


"No waiting. Helpful friendly People. Investing professionals."

— Sam P.


"Since they are a credit union, they are connected with other credit unions, making finding a fee-free ATM easy. Speaking of fees, there are no hidden fees, which is great."

— Aurora M.


*APY=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.


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