What are the current interest rates at Commonwealth One Federal Credit Union?

Current rates for Commonwealth One Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.55%, 24-Month CD: 3.60%, 60-Month CD: 3.44%, Savings: 2.10%

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Commonwealth One Federal Credit Union

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Commonwealth One Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commonwealth One Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Commonwealth One Federal Credit Union's top rates as of October 12, 2026 are 3.65% APY on its 12 Month Jumbo CD, 2.10% APY on savings, personal loans from 7.74% APR, and credit cards from 12.75% APR, according to rates verified by MonitorBankRates. Other Commonwealth One Federal Credit Union CD rates include 24 Month Jumbo CD at 3.60%, 12 Month CDs at 3.55%, and 18 Month Jumbo CD at 3.55%. MonitorBankRates evaluates the financial stability of Commonwealth One Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.04%. Rates last updated and verified on 10/12/2026.

Commonwealth One Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Commonwealth One Federal Credit Union? Share your experience about Commonwealth One Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Commonwealth One Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.04%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Commonwealth One Federal Credit Union
EISENHOWER WALK UP

4875 Eisenhower Ave
Alexandria, VA 22304-4886

https://www.cofcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Commonwealth One Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Jumbo Share Certificate	3.60%	3.65%	12 Months
Min Deposit $100,000 Details Jumbo IRA Share Certificate also listed in this table Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
24 Month Jumbo Share Certificate	3.55%	3.60%	24 Months
Min Deposit $100,000 Details Jumbo IRA Share Certificate also listed in this table Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
12 Month Share Certificates	-	3.55%	12 Month
Min Deposit $50 Details Minimum deposit of $50; Certificates available for terms ranging from 6 to 60 months Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
18 Month Jumbo Share Certificate	3.50%	3.55%	18 Months
Min Deposit $100,000 Details Jumbo IRA Share Certificate also listed in this table Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
36 Month Jumbo Share Certificate	3.45%	3.49%	36 Months
Min Deposit $100,000 Details Jumbo IRA Share Certificate also listed in this table Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
48 Month Jumbo Share Certificate	3.45%	3.49%	48 Months
Min Deposit $100,000 Details Jumbo IRA Share Certificate also listed in this table Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
60 Month Jumbo Share Certificate	3.40%	3.44%	60 Months
Min Deposit $100,000 Details Jumbo IRA Share Certificate also listed in this table Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.44% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings Account	2.10%	2.10%
Min Balance $0 Details Balance: $0 but less than $1,000.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Holiday/Vacation Club	0.08%	0.07%
Min Balance $10,000 Details Balance: $10,000.00 but less than $25,000.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.07% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Savings	0.08%	0.07%
Min Balance $10,000 Details Published APY range: 0.07 - 0.07%. Balance: $10,000.00 but less than $25,000.00 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.08% → 0.07% ▼ 0.01 pts · high 0.08% / low 0.07% Oct 12, 20260.07%▼ from 0.08% Sep 14, 20260.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Youth Savings Account	0.08%	0.07%
Min Balance $10,000 Details Balance: $10,000.00 but less than $25,000.00 Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 0.08% → 0.07% ▼ 0.01 pts · high 0.08% / low 0.07% Oct 12, 20260.07%▼ from 0.08% Oct 8, 20260.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 but less than $2,500.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.62%	5 Years - 20 Years
Details As Low As; Rate type: Fixed Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Home Equity Line of Credit - Interest Only	-	-	6.75%
Details As Low As; Rate type: Variable; Minimum loan or line of credit amount is $10,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.64%	Up to 36 months
Details As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.64% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Auto Loan	-	-	5.04%	37 - 48 months
Details As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Auto Loan	-	-	5.14%	49 - 60 months
Details As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $10,000 purchase price Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Cars (2019 - 2024 models) Auto Loan	-	-	5.14%	Up to 36 months
Details As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Loans subject to minimum monthly payment of $45.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Auto Loan	-	-	5.30%	61 - 72 months
Details As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $20,000 purchase price Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Cars (2019 - 2024 models) Auto Loan	-	-	5.54%	37 - 48 months
Details Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Loans subject to minimum monthly payment of $45.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Cars: 2018 models and older (20 years old max) Auto Loan	-	-	5.54%	Up to 36 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Cars (2019 - 2024 models) Auto Loan	-	-	5.64%	49 - 60 months
Details Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $10,000; Loans subject to minimum monthly payment of $45.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.64% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Cars (2019 - 2024 models) Auto Loan	-	-	5.80%	61 - 72 months
Details Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $20,000; Loans subject to minimum monthly payment of $45.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Cars: 2018 models and older (20 years old max) Auto Loan	-	-	6.04%	37 - 48 months
Details Model year 2018; Additional APR listed for this product: 6.54%. As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Cars: 2018 models and older (20 years old max) Auto Loan	-	-	6.29%	49 - 60 months
Details Model year 2018; As Low As; Fixed APR; Requires minimum $10,000 purchase price Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Auto Loan	-	-	6.30%	73 - 84 months
Details As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $35,000 purchase price Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Cars (2019 - 2024 models) Auto Loan	-	-	6.80%	73 - 84 months
Details Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $35,000; Loans subject to minimum monthly payment of $45.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Cars: 2018 models and older (20 years old max) Auto Loan	-	-	8.00%	73 - 84 months
Details Model year 2018; As Low As; Fixed APR; Requires minimum $35,000 purchase price Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Auto Loan	-	-	8.84%	85 - 96 months
Details As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $50,000 purchase price Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Cars (2019 - 2024 models) Auto Loan	-	-	9.34%	85 - 96 months
Details Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $50,000; Loans subject to minimum monthly payment of $45.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan - New Motorcycles: 2025 and newer	-	5.64%	Up to 36 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.64% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Motorcycle Loan - New Motorcycles: 2025 and newer	-	6.04%	37 - 48 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Motorcycle Loan - New Motorcycles: 2025 and newer	-	6.14%	49 - 60 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Motorcycle Loan - Used Motorcycles: 2024 and older	-	6.14%	Up to 36 months
Details As Low As; Used Motorcycles: 2024 and older Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Motorcycle Loan - New Motorcycles: 2025 and newer	-	6.30%	61 - 72 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Motorcycle Loan - Used Motorcycles: 2024 and older	-	6.54%	37 - 48 months
Details As Low As; Used Motorcycles: 2024 and older Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Motorcycle Loan - Used Motorcycles: 2024 and older	-	6.64%	49 - 60 months
Details As Low As; Used Motorcycles: 2024 and older Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.64% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Motorcycle Loan - Used Motorcycles: 2024 and older	-	6.80%	61 - 72 months
Details As Low As; Used Motorcycles: 2024 and older Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Motorcycle Loan - New Motorcycles: 2025 and newer	-	7.30%	73 - 84 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Motorcycle Loan - Used Motorcycles: 2024 and older	-	7.80%	73 - 84 months
Details As Low As; Used Motorcycles: 2024 and older Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.80% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Boat/RV: 2025 and newer Loan	-	11.34%	96 months
Details As Low As; Fixed APR; Boats & RV Loan Rates Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 10.84% → 11.34% ▲ 0.50 pts · high 11.34% / low 10.84% Oct 12, 202611.34%▲ from 10.84% Sep 25, 202610.84%▼ from 11.34% Sep 18, 202611.34%▲ from 10.84% Sep 14, 202610.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Boat/RV: 2024 and older Loan	-	11.84%	96 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Boat/RV: 2025 and newer Loan	-	12.09%	120 months
Details As Low As; Fixed APR; Boats & RV Loan Rates Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 11.59% → 12.09% ▲ 0.50 pts · high 12.09% / low 11.59% Oct 12, 202612.09%▲ from 11.59% Sep 25, 202611.59%▼ from 12.09% Sep 18, 202612.09%▲ from 11.59% Sep 14, 202611.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Boat/RV: 2024 and older Loan	-	12.59%	120 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 12.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Boat/RV: 2025 and newer Loan	-	13.09%	144 months
Details As Low As; Fixed APR; Boats & RV Loan Rates Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 12.59% → 13.09% ▲ 0.50 pts · high 13.09% / low 12.59% Oct 12, 202613.09%▲ from 12.59% Sep 25, 202612.59%▼ from 13.09% Sep 18, 202613.09%▲ from 12.59% Sep 14, 202612.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Boat/RV: 2024 and older Loan	-	13.59%	144 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 13.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	12.75%
Details As Low As; Variable APR* between 12.75% - 18.00% for purchases and for balance transfers and cash advances; Penalty APR: Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Visa Platinum Rewards Credit Card	-	14.50%
Details As Low As; Variable APR* between 14.50% - 18.00% for purchases and for balance transfers and cash advances; Penalty APR: Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 14.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Visa Signature Rewards	-	15.70%
Details As Low As; Variable low rate for purchases; Bonus: 10,000 bonus rewards points when you spend $1,500 in retail purchases within first 90 days of account opening (new cardholders only) Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 15.70% ▲ 0.20 pts · high 15.70% / low 15.50% Oct 4, 202615.70%▲ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Visa Signature Rewards Credit Card	-	15.75%
Details As Low As; Variable APR* between 15.75% - 18.00% for purchases and for balance transfers and cash advances; Penalty APR: Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 15.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.74%	Up to 12 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Personal Loan	7.74%	Up to 24 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Personal Loan	8.74%	Up to 36 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Personal Loan	9.74%	Up to 48 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Personal Loan	10.74%	Up to 60 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 10.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Personal Loan	11.74%	Up to 72 months
Details As Low As; Fixed APR Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Visa Signature Rewards	15.70%
Details As Low As; Variable low rate for purchases; Bonus: 10,000 bonus rewards points when you spend $1,500 in retail purchases within first 90 days of account opening (new cardholders only) Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 15.70% ▲ 0.20 pts · high 15.70% / low 15.50% Oct 4, 202615.70%▲ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Visa Signature Rewards Credit Card	15.75%
Details As Low As; Variable APR* between 15.75% - 18.00% for purchases and for balance transfers and cash advances; Penalty APR: Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 15.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Commonwealth One Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
OneLine Loan	-	-	12.00%	Revolving
Details As Low As; Variable APR Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Free Kasasa Cash Checking	-	-	5.50%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Qualifying balance up to $30,000.00; No minimum balance to earn rewards; Balances over $30,000 earn 5.50% APY to 1.65% APY depending on balance; 0.05% APY if qualifications aren't met (not extracted); See Qualification Information section in Truth-In-Savings Disclosure Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Cash Checking	5.366%	-	5.50%
Min Balance $0 Details Balance: $0 but less than $30,000.01; Qualifying balance up to $30,000.00 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Cash Checking	-	-	5.50%
Min Deposit $0 Min Balance $0 Details Qualifications Required: 1 direct deposit, ACH credit, or ACH payment transaction; 15 PIN-based or signature-based debit card purchases; enrollment in e-statements; Balance: $0.00 - $30,000.00; Qualifies up to and including $30,000 average daily balance; balances over $30,000 earn a dividend rate of 0.49886% on the excess, for a range of 1.65% to 5.50% APY; 0.05% APY on entire balance if qualifications not met; No minimum balance required to earn rewards Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 5.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Saver Savings	1.982%	-	2.00%
Min Balance $0 Details Balance: $0 but less than $100,000.01 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Kasasa Saver Savings	0.05%	-	0.05%
Min Balance $0 Details Default Rate, all balances Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Money Management	0.15%	-	0.15%
Min Balance $0 Details Balance: $0 but less than $2,500.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Money Management Plus	0.35%	-	0.35%
Min Balance $0 Details Balance: $0 but less than $25,000.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Certificate - 12 Months	3.50%	-	3.55%	12 Months
Min Deposit $1,000 Details Share Certificate, IRA, and Coverdell Education Share Certificate Rates Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Certificate - 15 Months	2.30%	-	2.32%	15 Months
Min Deposit $50 Details Share Certificate, IRA, and Coverdell Education Share Certificate Rates; Additional deposits allowed in increments of $50.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.32% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Certificate - 18 Months	3.40%	-	3.45%	18 Months
Min Deposit $1,000 Details Share Certificate, IRA, and Coverdell Education Share Certificate Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Certificate - 24 Months	3.45%	-	3.49%	24 Months
Min Deposit $1,000 Details Share Certificate, IRA, and Coverdell Education Share Certificate Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.49% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Certificate - 36 Months	3.35%	-	3.39%	36 Months
Min Deposit $1,000 Details Share Certificate, IRA, and Coverdell Education Share Certificate Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.39% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Certificate - 48 Months	3.35%	-	3.39%	48 Months
Min Deposit $1,000 Details Share Certificate, IRA, and Coverdell Education Share Certificate Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.39% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Certificate - 6 Months	3.45%	-	3.49%	6 Months
Min Deposit $500 Details Share Certificate, IRA, and Coverdell Education Share Certificate Rates; Not available for IRA accounts Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.49% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Share Certificate - 60 Months	3.30%	-	3.34%	60 Months
Min Deposit $1,000 Details Share Certificate, IRA, and Coverdell Education Share Certificate Rates Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.34% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

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Financial Health History

Commonwealth One Federal Credit Union’s Texas Ratio rose from 5.36% in Q3 2023 to 10.04% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$502M	10.04%	5.0	A
March 31, 2026	$509M	11.62%	5.0	A
December 31, 2025	$521M	13.64%	5.0	A
September 30, 2025	$521M	12.83%	5.0	A
June 30, 2025	$544M	13.08%	5.0	A
March 31, 2025	$555M	11.32%	5.0	A
December 31, 2024	$560M	12.76%	5.0	A
September 30, 2024	$566M	12.17%	5.0	A
June 30, 2024	$582M	11.52%	5.0	A
March 31, 2024	$590M	10.16%	5.0	A
December 31, 2023	$590M	8.81%	5.0	A
September 30, 2023	$580M	5.36%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Commonwealth One Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Commonwealth One Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Commonwealth One Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Commonwealth One Federal Credit Union

Website https://www.cofcu.org

Address 4875 Eisenhower Ave, Alexandria, VA 22304-4886

Phone 703-823-5211

Fax 703-650-4003

President Rupert Jennings

CEO Frank Wasson

Full-Time Employees 83

Part-Time Employees 4

Branch Locations 7

ATM Locations 16

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.04%

Return on Assets (ROA)

0.4924%

Return on Equity (ROE)

5.9336%

Non-Performing Loans Ratio (NPL)

1.29%

Total Assets

501,705,691

Total Amount of Shares and Deposits

432,922,868

Total Shares and Deposits < 1 Year

397,948,986

Total Shares and Deposits 1 3 Years

19,210,944

Total Shares and Deposits > 3 Years

15,762,938

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

26,632,794

Total Uninsured Shares and Deposits > $250K (F+J)

26,632,794

Total Insured Shares and Deposits > $250K (item 17 less item K)

406,290,074

Total Interest Expense (Sum of items 6 8)

3,318,929

Share Certificates

2,619

Number of Accounts for Share Drafts

16,962

IRA KEOGH Accounts

1,317

Number of Accounts for Regular Shares

31,396

Non Member Deposits

Money Market Shares

2,055

Net Income (unless the amount is already included in Undivided Earnings)

2,470,574

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

20,938,296

Total Liabilities

461,824,701

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Commonwealth One Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Commonwealth One Federal Credit Union

How many branches does Commonwealth One Federal Credit Union operate?

Commonwealth One Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Commonwealth One Federal Credit Union?

Yes, to access services at Commonwealth One Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Commonwealth One Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commonwealth One Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Commonwealth One Federal Credit Union offer online and mobile banking?

Most modern institutions like Commonwealth One Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cofcu.org.

Current Commonwealth One Federal Credit Union Rates

12-Month CD3.55%
18-Month CD3.55%
24-Month CD3.60%
60-Month CD3.44%
Savings2.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Commonwealth One Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Commonwealth One Federal Credit Union Texas Ratio

Commonwealth One Federal Credit Union Health Trend

Commonwealth One Federal Credit Union CD Rates

Commonwealth One Federal Credit Union Savings Rates

Commonwealth One Federal Credit Union Home Equity & HELOC

Commonwealth One Federal Credit Union Auto Loan Rates

Commonwealth One Federal Credit Union RV, Boat and Powersport Loan Rates

Commonwealth One Federal Credit Union Credit Card Rates

Commonwealth One Federal Credit Union Personal Loan Rates

Commonwealth One Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Commonwealth One Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Commonwealth One Federal Credit Union

How many branches does Commonwealth One Federal Credit Union operate?

Is a member application needed to join Commonwealth One Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Commonwealth One Federal Credit Union offer online and mobile banking?

Current Commonwealth One Federal Credit Union Rates

Compare to Other Credit Unions