Commonwealth Central Credit Union San Jose CA | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Commonwealth Central, a trusted financial partner located at 3075 Union Ave, San Jose, CA 95124. Established in 1958, we have proudly served our community for over six decades, building relationships based on trust and dedication. With a membership of 39,514, we are more than just a credit union; we are a vital part of your financial journey. At Commonwealth Central, we understand the unique needs of our members. Our total assets stand at an impressive $608,112,724, reflecting our commitment to your financial well-being. With $70,568,147 in total deposits and a net worth of $80,011,812, you can feel confident knowing that your money is secure with us. Our services cater to a wide range of financial needs from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. We also offer business banking services to help local entrepreneurs thrive. We pride ourselves on making banking easy and accessible with online and mobile banking options available. Leadership plays a crucial role in our mission. Under the guidance of CEO Viktoria Earle and Board President Larry Chambers, our team works tirelessly to enhance member experiences and foster community growth. With a dedicated staff of 96 employees, we ensure personalized service at every visit. While you can always reach us by phone at (408) 531-3262, we encourage you to stop by and experience the warmth of our branch firsthand. Your journey towards better financial health starts here at Commonwealth Central. Visit us today or explore our website at www.wealthcu.org for more information about how we can assist you!

Branch History & Mission

Community Commitment

Beyond just banking, Commonwealth Central is deeply invested in community outreach efforts. We engage with local organizations and support initiatives that promote education and financial literacy. Our partnerships with various groups reflect our dedication to making a positive impact in San Jose and surrounding areas. While members can visit us at 3075 Union Ave San Jose Ca 95124, official correspondence should be sent to our mailing address if different. Our doors are open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM making it easy for you to drop by whenever you need assistance. With an ATM on-site for added convenience and no drive-thru service available at this location, we focus on creating a welcoming environment where personalized service thrives. Our team is here to answer questions and guide you through your financial decisions. Join us at Commonwealth Central today and discover how we can help you navigate your financial journey with confidence. Experience the benefits of being part of a community-focused credit union that truly cares about your success! For more information or to become a member, give us a call at (408) 531-3262 or visit us online at our website.

Our Mission

Our mission at Commonwealth Central is simple yet profound: we are dedicated to providing exceptional financial services while uplifting our community. We believe that everyone deserves access to quality banking options that empower them to achieve their financial goals. Whether it's personal banking, auto loans, or business services, we strive to meet the unique needs of each member. With total assets exceeding $608 million, we are well-equipped to support your financial journey. We offer a variety of services including checking and savings accounts, mortgage loans, personal loans, credit cards with rewards, and more. We prioritize accessibility with features like online banking and mobile payments, ensuring you can manage your finances conveniently.

Branch Location & Accessibility

Accessibility Features

At Commonwealth Central, we believe everyone should be able to bank comfortably. Our branch is fully ADA compliant, featuring ramps and accessible entrances to accommodate all our members. Whether you're visiting for a quick transaction or a more in-depth consultation about our services, we've made sure that your experience is as smooth as possible.

Convenient Location and Nearby Landmarks

Our branch is situated near several local landmarks, making it a breeze to stop by while you're out running errands. You can find us close to popular spots like Westfield Oakridge shopping center, where you can grab lunch or do some shopping before or after your visit. We have ample parking available right outside the building, ensuring that you won't have any trouble finding a spot.

Operating Hours

We understand that life can get busy. That's why we offer flexible operating hours to fit your schedule. Our lobby is open from Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. If you need assistance outside these hours, feel free to give us a call at 408-531-3262; our friendly staff will be happy to help!

Services Offered

In addition to convenient banking hours and accessibility features, Commonwealth Central offers a wide range of services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we've got everything you need under one roof. Plus, with ATM availability on-site, accessing your funds has never been easier. We invite you to visit us at Commonwealth Central today! Whether you're looking for banking solutions or just want to learn more about how we can serve you better, our team is here and ready to assist you. Come see why so many people in San Jose trust us with their financial needs!

Member Eligibility

Becoming a member of Commonwealth Central is like joining a close-knit family where your financial well-being is our top priority. If you're interested in becoming part of our community, you'll find that eligibility is designed to be welcoming and inclusive. Generally, individuals who live, work, worship, or attend school in the San Jose area can become members. We also extend membership to immediate family members of existing members, allowing you to share the benefits of being part of our credit union. For complete details on eligibility, feel free to check out our resource at this link. Opening an account with us is simple and straightforward! You can start the process by visiting us at 3075 Union Ave, San Jose, CA 95124, or you can call us at 408-531-3262 for any questions you might have. If you prefer to handle things online, just visit this page to begin your application. Join Commonwealth Central today and discover how we can help you achieve your financial goals while enjoying personalized service every step of the way!

Business Banking & Commercial Services

Financing Options for Every Business

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $75 in non-member commercial loans, providing flexible financing solutions. Imagine having access to the funds necessary to purchase new equipment, increase inventory, or even open a new location. With tailored commercial loan options, we empower you to take those next steps confidently.

Merchant Services That Simplify Payments

In today's fast-paced market, accepting payments easily is crucial for success. Our merchant services streamline transactions for businesses of all sizes. Picture this: a busy Saturday at your café where customers can pay seamlessly using their cards or mobile wallets. You focus on serving great coffee while we handle the payments. Located conveniently at 3075 Union Ave San Jose Ca 95124, San Jose, CA, we're here to partner with you every step of the way. For inquiries or assistance, don't hesitate to call us at (408) 531-3262. Let's turn your business dreams into reality!

Comprehensive List Of Services

Business Banking Solutions

For our entrepreneurial members, we provide robust Business Banking options. From Merchant Services that simplify payment processing to Business Loans that help fund growth initiatives, we are committed to supporting local businesses in achieving their goals.

Digital Banking Features

In today's fast-paced world, managing finances online is crucial. That's why at Cambrian, we offer comprehensive Online & Mobile Banking solutions. You can easily monitor your accounts, transfer funds, pay bills, and access statements right from your phone or computer. Plus, enjoy the convenience of ATM & Cash Withdrawal Services at various locations, ensuring you have access to your funds whenever you need them.

Home Financing

If home ownership is on your horizon, explore our Mortgage Loans & Refinancing services. We understand that buying a home can be overwhelming, so we guide you every step of the way. Our mortgage experts are here to answer questions and help find the best solution for your situation.

Member Support and Accessibility

At Commonwealth Central, member support is always a priority. Our friendly team is available during business hours Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM to assist with any questions or concerns you may have. Feel free to reach out at (408) 531-3262. We invite you to visit us at 3075 Union Ave San Jose Ca 95124 and discover how our comprehensive suite of services can help you achieve your financial dreams. Join us today and become part of a supportive community that puts its members first! For more information about membership eligibility or how to open an account, please check out our website.

Personal Banking

Whether you're opening your first checking account or managing savings for future goals, our personal banking services have you covered. We offer Checking & Savings Accounts tailored to fit different lifestyles, ensuring that your money works hard for you. Need to buy a car? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms, making it easier for you to hit the road with confidence.

Personal Loans and Credit Options

Life can throw unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation solutions. Whether it's for emergency repairs or consolidating existing debts into one manageable payment, our loans are designed to provide quick relief without excessive costs. Plus, enjoy the benefits of our Credit Cards with Rewards, allowing you to earn points on everyday purchases.

Digital & Online Banking

Key Features

We've integrated features like electronic signature authorization to make signing documents easy and secure. Say goodbye to paperwork now you can complete transactions from the comfort of your home. And for those who prefer going paperless, e-statements are readily available, giving you quick access to your financial history without cluttering your mailbox. If you're always on the go, our mobile application makes it even easier to handle your banking needs right from your smartphone. With mobile payments enabled, shopping becomes a breeze; simply use your phone at checkout and you're set! Want to send money to friends or family? Our person-to-person transfer feature lets you do that instantly.

Security and Accessibility

Your security is our priority. Our digital banking services use advanced encryption technology to keep your information safe while offering an accessible and straightforward interface. Whether you're at home or out running errands, managing your finances has never been easier or more secure. At Commonwealth Central, we believe in empowering our members with tools that simplify their financial lives. Explore all these features today by visiting http://www.wealthcu.org banking made easy is just a click away!

Financial Strength

Growing Trust

Total Share and Deposit Accounts stand at 68,388, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, reinforcing our ability to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Commonwealth Central is your trusted partner. Visit us at 3075 Union Ave San Jose Ca 95124 or call (408) 531-3262 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $52,319,703 in share certificates and $76,366,027 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $5,953,940 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 96 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

With $73,486,635 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $3,899 in used auto loans and $484,405,680 in total loans and leases; this capacity supports members' financial goals across various sectors.

Strong Financial Health

With a net worth of $80,011,812, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,315 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $69,820,360 in used vehicle loans and $25,560,608 in new vehicle loans already helping members get on the road. Whether you are purchasing a new or a used vehicle, we provide straightforward options that make financing simple and accessible.

Credit Lines

If you're looking for additional financial flexibility, our total credit lines amount to $130,644,918. This option provides peace of mind knowing that you have access to funds when needed without the hassle of applying for a new loan each time. Each loan product comes with the support and guidance from our experienced staff who are here to help you navigate your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're interested in auto financing or exploring mortgage options, Commonwealth Central is committed to helping you every step of the way. Don't hesitate to contact us at 408-531-3262 or visit us at our branch location for personalized assistance tailored to your financial needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $123,550,630, making buying or refinancing straightforward. We also have eligibility options available for those who may be considering refinancing their existing mortgages.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $14,537,195 in loans helping members manage their finances effectively. These credit cards can be an excellent tool for building credit while enjoying manageable repayment plans.

Loan Aggregator

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