--- title: "Commonwealth One Credit Union Rates - Virginia" description: "Current vehicle loan, heloc, personal loan, credit card, and savings & cd rates from Commonwealth One Credit Union in Virginia. Updated daily with source verification. See who can join Commonwealth One Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/commonwealth-one" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Commonwealth One Credit Union Rates - Virginia ### Auto & vehicle rates 33 offers | Product | Published | Rate | Term / condition | Status | | **New Cars: 2025 models and newer (Up to 36 months)** auto_new_36mo | — APR | 4.640% | 36 mo · new | Standard | | **New Cars: 2025 models and newer (37 - 48 months)** auto_new_48mo | — APR | 5.040% | 48 mo · new | Standard | | **New Cars: 2025 models and newer (49 - 60 months)** auto_new_60mo | — APR | 5.140% | 60 mo · new | Standard | | **Up to 36-Month Used Auto Loan (2019–2024)** auto_used_36mo | — APR | 5.140% | 36 mo · used | Standard | | **New Cars: 2025 models and newer (61 - 72 months)** auto_new_72mo | — APR | 5.300% | 72 mo · new | Standard | | **Used Cars: 2019 - 2024 models (37 - 48 months)** auto_used_48mo | — APR | 5.540% | 48 mo · used | Standard | | **Used Cars: 2018 models and older (20 years old max) (Up to 36 months)** auto_used_36mo | — APR | 5.540% | 36 mo · used | Standard | | **Up to 36-Month New Motorcycle Loan (2025 and Newer)** motorcycle_new_36mo | — APR | 5.640% | 36 mo · new | Standard | | **Used Cars: 2019 - 2024 models (49 - 60 months)** auto_used_60mo | — APR | 5.640% | 60 mo · used | Standard | | **Used Cars: 2019 - 2024 models (61 - 72 months)** auto_used_72mo | — APR | 5.800% | 72 mo · used | Standard | | **New Motorcycles: 2025 and newer (37 - 48 months)** motorcycle_new_48mo | — APR | 6.040% | 48 mo · new | Standard | | **Used Cars: 2018 models and older (20 years old max) (37 - 48 months)** auto_used_48mo | — APR | 6.040% | 48 mo · used | Standard | | **Up to 36-Month Used Motorcycle Loan (2024 and Older)** motorcycle_used_36mo | — APR | 6.140% | 36 mo · used | Standard | | **New Motorcycles: 2025 and newer (49 - 60 months)** motorcycle_new_60mo | — APR | 6.140% | 60 mo · new | Standard | | **Used Cars: 2018 models and older (20 years old max) (49 - 60 months)** auto_used_60mo | — APR | 6.290% | 60 mo · used | Standard | | **New Cars: 2025 models and newer (73 - 84 months)** auto_new_84mo | — APR | 6.300% | 84 mo · new | Standard | | **New Motorcycles: 2025 and newer (61 - 72 months)** motorcycle_new_72mo | — APR | 6.300% | 72 mo · new | Standard | | **Used Motorcycles: 2024 and older (37 - 48 months)** motorcycle_used_48mo | — APR | 6.540% | 48 mo · used | Standard | | **Used Cars: 2018 models and older (20 years old max) (60 - 72 months)** auto_used_72mo | — APR | 6.540% | 72 mo · used | Standard | | **Used Motorcycles: 2024 and older (49 - 60 months)** motorcycle_used_60mo | — APR | 6.640% | 60 mo · used | Standard | | **Used Motorcycles: 2024 and older (61 - 72 months)** motorcycle_used_72mo | — APR | 6.800% | 72 mo · used | Standard | | **Used Cars: 2019 - 2024 models (73 - 84 months)** auto_used_84mo | — APR | 6.800% | 84 mo · used | Standard | | **New Motorcycles: 2025 and newer (73 - 84 months)** motorcycle_new_84mo | — APR | 7.300% | 84 mo · new | Standard | | **Used Motorcycles: 2024 and older (73 - 84 months)** motorcycle_used_84mo | — APR | 7.800% | 84 mo · used | Standard | | **Used Cars: 2018 models and older (20 years old max) (73 -84 months)** auto_used_84mo | — APR | 8.000% | 84 mo · used | Standard | | **New Cars: 2025 models and newer (85 - 96 months)** auto_new_96mo | — APR | 8.840% | 96 mo · new | Standard | | **Used Cars: 2019 - 2024 models (85 - 96 month)** auto_used_96mo | — APR | 9.340% | 96 mo · used | Standard | | **New Boat/RV: 2025 and newer (96 months)** boat_new_96mo | — APR | 11.340% | 96 mo · new | Standard | | **Used Boat/RV: 2024 and older (96 months)** boat_used_96mo | — APR | 11.840% | 96 mo · used | Standard | | **New Boat/RV: 2025 and newer (120 months)** boat_new_120mo | — APR | 12.090% | 120 mo · new | Standard | | **Used Boat/RV: 2024 and older (120 months)** boat_used_120mo | — APR | 12.590% | 120 mo · used | Standard | | **New Boat/RV: 2025 and newer (144 months)** boat_new_144mo | — APR | 13.090% | 144 mo · new | Standard | | **Used Boat/RV: 2024 and older (144 months)** boat_used_144mo | — APR | 13.590% | 144 mo · used | Standard | Commonwealth One Credit Union auto & vehicle rates as of November 11, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Interest Only** heloc | — APR | 6.750% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 6.750% | — | Standard | | **5 Years - 20 Years** heloc | — APR | 6.870% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.870% | — | Standard | Commonwealth One Credit Union heloc rates as of November 11, 2026 ### Personal loan rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Up to 12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 7.740% | 12 mo | Standard | | **Up to 24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 7.740% | 24 mo | Standard | | **Up to 36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 8.740% | 36 mo | Standard | | **Up to 48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 9.740% | 48 mo | Standard | | **Up to 60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 10.740% | 60 mo | Standard | | **Up to 72-Month Unsecured Personal Loan** personal_unsecured_72mo | — APR | 11.740% | 72 mo | Standard | | **Credit Builder Loan (Up to 12 months (Maximum $1,000))** personal_unsecured_12mo | — APR | 15.990% | 12 mo | Standard | Commonwealth One Credit Union personal loan rates as of November 11, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Annual percentage rate (APR*) for balance transfers and cash advances** credit_card_balance_transfer | — APR | 12.750% | — | Standard | | **Annual percentage rate (APR*) for purchases** credit_card | — APR | 12.750% | — | Standard | Commonwealth One Credit Union credit card rates as of November 11, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Jumbo Share Certificate** share_certificate_12mo | — APY | 3.65% | 12 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 4.25% | 6 mo | Standard | Commonwealth One Credit Union savings & cd rates as of November 11, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Campus Bookstore Loan (Up to 24 months (Maximum $3,000))** other | — % | 6.900% | — | Standard | | **Revolving Up to $25,000** other | — % | 12.000% | — | Standard | Commonwealth One Credit Union other rates as of November 11, 2026 Commonwealth One Credit Union is a credit union in Virginia. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/commonwealth-one) , verified from [Commonwealth One Credit Union's official website](https://www.cofcu.org/) Loading branch locator… ## About Commonwealth One Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 28.7K Assets $509.3M Founded 1944 Locations reported 9 NCUA charter 5134 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Healthcare Systems** Alexandria · Alexandria · VA · 22304-1535 About 0.9 miles away](https://rateapi.dev/credit-unions/virginia/healthcare-systems) [**Spectra** Shops at Mark Center · Alexandria · VA · 22311-5800 About 1.4 miles away](https://rateapi.dev/credit-unions/virginia/spectra) [**Infirst** Alexandria · Alexandria · VA · 22312-1714 About 1.6 miles away](https://rateapi.dev/credit-unions/virginia/infirst) [**Arlington Community** Goodwin House · Alexandria · VA · 22311-5070 About 1.6 miles away](https://rateapi.dev/credit-unions/virginia/arlington-community) [**US Senate FCU** Eisenhower · Alexandria · VA · 22314 About 2.6 miles away](https://rateapi.dev/credit-unions/virginia/us-senate-fcu) [**Patent and Trademark Office** Main Office · Alexandria · VA · 22314 About 2.7 miles away](https://rateapi.dev/credit-unions/virginia/patent-and-trademark-office) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Commonwealth One Credit Union Membership eligibility from Commonwealth One Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Commonwealth One Credit Union's website. Check the membership page below to confirm whether you qualify. - Location VA - Association American Consumer Council Verified from [Commonwealth One Credit Union's membership page](https://www.cofcu.org/connect/membership/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Commonwealth One Credit Union Geography 5 · Associations · Family 7 published paths to membership, last verified August 27, 2026, quoted from Commonwealth One Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Harrisonburg, VA “You may qualify if you live, work, worship, go to school, or volunteer in eligible areas, including Washington D.C., Harrisonburg, VA, Warren County, VA, or Clarke County, VA.” > [source ↗](https://www.cofcu.org/connect/membership/become-a-member) ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of American Consumer Council “You’re eligible to join through the American Consumer Council (ACC), a national nonprofit that champions consumer advocacy and provides financial education. If you would like to become a member of the credit union through ACC, we will cover the one-time enrollment fee for you.” > [source ↗](https://www.cofcu.org/connect/membership/become-a-member) - Member of American Consumer Council ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, household member “If you have an immediate family member who is already a member, you may be eligible, too. This includes spouses, children, siblings, parents, grandparents, grandchildren, and household members maintaining a single economic unit.” > [source ↗](https://www.cofcu.org/connect/membership/become-a-member) - Family member (spouse, child, sibling, parent, grandparent, grandchild, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Commonwealth One Credit Union? Yes No ## Work at Commonwealth One Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Commonwealth One Credit Union ranks against Virginia peers. - See which AI assistants fetched Commonwealth One Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=commonwealth-one&state=virginia&code=VA&name=Commonwealth%20One%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Commonwealth One Credit Union offer? Commonwealth One Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 11, 2026 directly from the credit union's official website. ### How often are Commonwealth One Credit Union rates updated? RateAPI verifies Commonwealth One Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 11, 2026. ### Where does RateAPI get Commonwealth One Credit Union's rate data? Rate data is collected directly from Commonwealth One Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Commonwealth One Credit Union? Commonwealth One Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 5 geographic areas and 1 association for Commonwealth One Credit Union, each quoted from Commonwealth One Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Commonwealth One Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/virginia) [Virginia HELOC rate leaders](https://rateapi.dev/heloc-rates/virginia) [Virginia personal loan leaders](https://rateapi.dev/personal-loan-rates/virginia) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.cofcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Commonwealth One Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Commonwealth One Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /commonwealth-one " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Commonwealth One Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/virginia/commonwealth-one Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp