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Community West Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 19, 2026
Community West Credit Union's 12 Month Youth (Explorer) CD rates are at 4.60%, 12 - 17 Month CD rates are at 4.25%, 12 - 17 Month Health Savings Account (HSA) CD rates are at 4.25%, Health Savings Account (HSA) CDs - 12 - 17 Month CD rates are at 4.25%, 6 - 11 Month CD rates are at 4.00%. Community West Credit Union's savings rates are at 5.00%. Community West Credit Union's money market rates are at 3.25%. Community West Credit Union's checking rates are as high as 3.00%. Community West Credit Union's CUSC Refinance Loan - Variable Rate rates are at 4.25%, CUSC Refinance Loan - Fixed Rate rates are at 6.00%. Community West Credit Union's Personal Loan Rates are as low as 12.00%. Community West Credit Union's Credit Card Rates are at 11.99%. MonitorBankRates evaluates the financial stability of Community West Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.21%. Rates last updated and verified on 10/19/2026.
Community West 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 Community West Credit Union? Share your experience about Community West Credit Union by leaving a review below, or read customer reviews before you decide to use Community West Credit Union.
Community West Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Community West Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.21%
ExcellentLower than avg
Community West Credit Union Texas Ratio
Community West Credit Union's Texas Ratio is 2.21%, which is considered excellent and is lower than the national average of 6.13%.
Community West Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.64% to 2.21% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Community West Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Youth (Explorer) CD
4.52%
4.60%
12-month
DetailsYouth (Explorer) CD: 12-month term; Certificate of Deposit; Penalty may be imposed for early withdrawal
Last Updated10/19/2026
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.60% ▲ 0.75 pts · high 4.60% / low 3.85%
Oct 19, 20264.60%▲ from 3.85%
Sep 14, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
12 - 17 Month CD
4.18%
4.25%
12-17 months
DetailsCertificate of Deposit; Penalty may be imposed for early withdrawal
Last Updated10/19/2026
Rate History
1 change since Oct 9, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Oct 19, 20264.25%▲ from 4.00%
Oct 9, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
12 - 17 Month Health Savings Account (HSA) CD
4.18%
4.25%
12 - 17 Month
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Oct 19, 20264.25%▲ from 4.00%
Sep 18, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Health Savings Account (HSA) CDs - 12 - 17 Month CD
4.18%
4.25%
12-17 months
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
6 - 11 Month CD
3.94%
4.00%
6-11 months
DetailsCertificate of Deposit; Penalty may be imposed for early withdrawal
Last Updated10/19/2026
Rate History
1 change since Oct 9, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
Oct 19, 20264.00%▲ from 3.65%
Oct 9, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
6 - 11 Month Health Savings Account (HSA) CD
3.94%
4.00%
6 - 11 Month
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
Oct 19, 20264.00%▲ from 3.65%
Sep 18, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Health Savings Account (HSA) CDs - 6 - 11 Month CD
3.94%
4.00%
6-11 months
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
18 - 23 Month CD
3.69%
3.75%
18-23 months
DetailsCertificate of Deposit; Penalty may be imposed for early withdrawal
Last Updated10/19/2026
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
18 - 23 Month Health Savings Account (HSA) CD
3.69%
3.75%
18 - 23 Month
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
24 - 35 Month CD
3.69%
3.75%
24-35 months
DetailsCertificate of Deposit; Penalty may be imposed for early withdrawal
Last Updated10/19/2026
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
24 - 35 Month Health Savings Account (HSA) CD
3.69%
3.75%
24 - 35 Month
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
36 - 47 Month CD
3.69%
3.75%
36-47 months
DetailsCertificate of Deposit; Penalty may be imposed for early withdrawal
Last Updated10/19/2026
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
36 - 47 Month Health Savings Account (HSA) CD
3.69%
3.75%
36 - 47 Month
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Health Savings Account (HSA) CDs - 18 - 23 Month CD
3.69%
3.75%
18-23 months
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Health Savings Account (HSA) CDs - 24 - 35 Month CD
3.69%
3.75%
24-35 months
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Health Savings Account (HSA) CDs - 36 - 47 Month CD
3.69%
3.75%
36-47 months
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
48 - 59 Month CD
3.45%
3.50%
48-59 months
DetailsCertificate of Deposit; Penalty may be imposed for early withdrawal
Last Updated10/19/2026
Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
48 - 59 Month Health Savings Account (HSA) CD
3.45%
3.50%
48 - 59 Month
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
60 Month CD
3.45%
3.50%
60 Month
DetailsCertificate of Deposit; Penalty may be imposed for early withdrawal
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Health Savings Account (HSA) CDs - 48 - 59 Month CD
3.45%
3.50%
48-59 months
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Health Savings Account (HSA) CDs - 60 Month CD
3.45%
3.50%
60 Month
DetailsPenalty may be imposed for early withdrawal.
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Community West Credit Union Savings Rates
Product
Rate
APY
View More
Navigator Savings
4.91%
5.00%
Min Balance$500
DetailsBalance: $500.00 - $999.99; No minimum balance is required; Limit 1 per membership; Checking with a debit card required to open account; Not eligible for combination with business or youth savings accounts
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Navigator Savings
4.18%
4.25%
Min Balance$0
DetailsBalance: $0.00 - $499.99; No minimum balance is required; Limit 1 per membership; Checking with a debit card required to open account; Not eligible for combination with business or youth savings accounts
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Navigator Savings
2.48%
2.50%
Min Balance$1,000
DetailsBalance: $1000.00 - $2,499.99; No minimum balance is required; Limit 1 per membership; Checking with a debit card required to open account; Not eligible for combination with business or youth savings accounts
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Youth Savings
1.98%
2.00%
DetailsAges 0-17; Dividends are paid quarterly
Last Updated10/19/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Advantage Savings
1.24%
1.25%
Min Balance$100,000
DetailsBalance: $100,000 or more; Dividends are paid quarterly; Balances below $100,000 will earn Regular Savings rate
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Health Savings Account (HSA)
0.99%
1.00%
DetailsDividends are paid monthly.
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Navigator Savings
0.50%
0.50%
Min Balance$2,500
DetailsBalance: $2,500.00 and over; No minimum balance is required; Limit 1 per membership; Checking with a debit card required to open account; Not eligible for combination with business or youth savings accounts
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Regular Savings
0.10%
0.10%
DetailsDividends are paid quarterly.
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Community West Credit Union Money Market Rates
Product
Rate
APY
View More
Quest Money Market
3.20%
3.25%
Min Balance$250,000
DetailsBalance: $250,000 - $999,999; Dividends are paid monthly; Rates are subject to change after account opening
Last Updated10/19/2026
Rate History
1 change since Oct 13, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
Oct 19, 20263.25%▲ from 3.00%
Oct 13, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Quest Money Market
2.96%
3.00%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999; Dividends are paid monthly; Rates are subject to change after account opening
Last Updated10/19/2026
Rate History
1 change since Oct 13, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
Oct 19, 20263.00%▲ from 2.75%
Oct 13, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Quest Money Market
2.96%
3.00%
Min Balance$1,000,000
DetailsBalance: $1,000,000 and over; Dividends are paid monthly; Rates are subject to change after account opening
Last Updated10/19/2026
Rate History
1 change since Oct 13, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
Oct 19, 20263.00%▲ from 2.75%
Oct 13, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Quest Money Market
1.98%
2.00%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999; Dividends are paid monthly; Rates are subject to change after account opening
Last Updated10/19/2026
Rate History
1 change since Oct 13, 2026 · 1.75% → 2.00% ▲ 0.25 pts · high 2.00% / low 1.75%
Oct 19, 20262.00%▲ from 1.75%
Oct 13, 20261.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Quest Money Market
0.99%
1.00%
Min Balance$0
DetailsBalance: $0.00 - $9,999; Dividends are paid monthly; Rates are subject to change after account opening
Last Updated10/19/2026
Rate History
1 change since Oct 13, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
Oct 19, 20261.00%▲ from 0.75%
Oct 13, 20260.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Quest Money Market
0.99%
1.00%
Min Balance$10,000
DetailsBalance: $10,000 - $49,999; Dividends are paid monthly; Rates are subject to change after account opening
Last Updated10/19/2026
Rate History
1 change since Oct 13, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
Oct 19, 20261.00%▲ from 0.75%
Oct 13, 20260.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Community West Credit Union Checking Rates
Product
Rate
APY
View More
Venture Checking
2.96%
3.00%
DetailsQualifications Required; Earn 3.00% interest on balances up to $5,000; Balance: $0.00 - $5,000.00; Dividends are paid monthly
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Youth Checking
2.96%
3.00%
DetailsQualifications Required; Earn 3.00%* interest on balances up to $5,000.00; Ages 0-17; Dividends are paid monthly
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Community West Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
CUSC Refinance Loan - Variable Rate
-
-
4.25%
5 Year
DetailsVariable Rate; APR
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
CUSC Refinance Loan - Variable Rate
-
-
5.00%
10 Year
DetailsVariable Rate; APR
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
CUSC Refinance Loan - Variable Rate
-
-
5.75%
15 Year
DetailsVariable Rate; APR
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
CUSC Refinance Loan - Fixed Rate
-
-
6.00%
5 Year
DetailsFixed Rate; APR
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
CUSC Refinance Loan - Fixed Rate
-
-
7.00%
10 Year
DetailsFixed Rate; APR
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
CUSC Refinance Loan - Fixed Rate
-
-
8.00%
15 Year
DetailsFixed Rate; APR
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Community West Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan - Fixed Rate
-
-
6.24%
Up to 120 Months
DetailsAs Low As; Loan-to-Value: Less or equal to 80.00%
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Home Equity Prime Equity (Prime -.50%)
-
-
6.25%
DetailsAs Low As; Home Equity Line of Credit (HELOC - Variable Rates); LTV: Less or equal to 95.00% CLTV; Rate: Prime* -.50%; Prime Rate as of 12-11-2025: 6.75% APR; 3.00% APR Floor; Appraisal may be required; Must have property insurance
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 6.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Home Equity Loan - Fixed Rate
-
-
6.99%
Up to 180 Months
DetailsAs Low As; Loan-to-Value: Less or equal to 80.00%
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Home Equity Loan - Fixed Rate
-
-
6.99%
Up to 120 Months
DetailsAs Low As; Loan-to-Value: Between 81.00% to 95.00%
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Home Equity Loan - Fixed Rate
-
-
7.24%
Up to 180 Months
DetailsAs Low As; Loan-to-Value: Between 81.00% to 95.00%
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Community West Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New & Used Auto Loans (2026-2022)
-
-
5.80%
36-month
DetailsAs Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
1 change since Sep 14, 2026 · 4.69% → 5.80% ▲ 1.11 pts · high 5.80% / low 4.69%
Oct 9, 20265.80%▲ from 4.69%
Sep 14, 20264.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
New & Used Auto Loans (2026-2022)
-
-
5.80%
48-month
DetailsAs Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 5.20% → 5.80% ▲ 0.60 pts · high 5.80% / low 5.20%
Oct 13, 20265.80%▲ from 5.20%
Sep 18, 20265.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
New & Used Auto Loans (2026-2022)
-
-
5.80%
60-month
DetailsAs Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 5.20% → 5.80% ▲ 0.60 pts · high 5.80% / low 5.20%
Oct 13, 20265.80%▲ from 5.20%
Sep 18, 20265.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
New & Used Auto Loans (2026-2022)
-
-
6.05%
72-month
DetailsAs Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 5.45% → 6.05% ▲ 0.60 pts · high 6.05% / low 5.45%
Oct 13, 20266.05%▲ from 5.45%
Sep 18, 20265.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Used Auto Loan
-
-
6.55%
36-month
DetailsAs Low As; Model Year: 2021-2016
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Used Auto Loan
-
-
6.55%
48-month
DetailsAs Low As; Model Year: 2021-2016
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Used Auto Loan
-
-
6.55%
60-month
DetailsAs Low As; Model Year: 2021-2016
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
New & Used Auto Loans (2026-2022)
-
-
6.80%
84-month
DetailsAs Low As; Autos with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 6.20% → 6.80% ▲ 0.60 pts · high 6.80% / low 6.20%
Oct 13, 20266.80%▲ from 6.20%
Sep 18, 20266.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Used Auto Loan
-
-
6.80%
72-month
DetailsAs Low As; Model Year: 2021-2016
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.80% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Used Auto Loan
-
-
7.55%
84-month
DetailsAs Low As; Model Year: 2021-2016
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 7.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
First Time Car Buyer Loan - First Car Loan (2026-2022)
-
-
7.80%
DetailsAs Low As; Ages 18-24; Model Year: 2026-2022; Member can not have a previous car payment on their credit report; A co-signer is required; Autos with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
No change since Oct 9, 2026 · 7.80% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
First Time Car Buyer Loan - First Car Loan (2021-2016)
-
-
8.30%
DetailsAs Low As; Ages 18-24; Model Year: 2021-2016; Member can not have a previous car payment on their credit report; A co-signer is required; Autos with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
No change since Oct 9, 2026 · 8.30% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Used Auto Loan
-
-
12.00%
Up to 60-month
DetailsAs Low As; Model Year: 2015 and older
Last Updated10/19/2026
Rate History
1 change since Oct 13, 2026 · 6.55% → 12.00% ▲ 5.45 pts · high 12.00% / low 6.55%
Oct 19, 202612.00%▲ from 6.55%
Oct 13, 20266.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Community West Credit Union RV, Boat and Powersport Loan Rates
No change since Sep 18, 2026 · 12.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Community West Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
CUSC Tuition Loan - Fixed Rate
-
-
4.75%
DetailsAs Low As; Fixed Rate Option: repayment schedule is fixed at 10 years regardless of amount borrowed
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
CUSC Tuition Loan - Variable Rate
-
-
4.50%
DetailsAs Low As; Variable Rate Option: repayment term is 20 years if principal balance at repayment is $40,000 or less, and 25 years if more than $40,000
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
CWCU Tuition Loan
-
-
5.75%
DetailsAs Low As; APR as low as
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Electric Bike/EV Home Charging Station - 12-60 Month Loan
-
-
10.00%
12-60 months
DetailsAs Low As; APR may be higher depending on your application. Certain loans may have more requirements.
Last Updated10/19/2026
Rate History
No change since Oct 19, 2026 · 10.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Electric/Hybrid Loans
-
-
6.05%
36-month
DetailsAs Low As; Model Year: 2021-2016; Vehicles with over 100,000 miles are subject to an additional .50% rate increase.
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 4.19% → 6.05% ▲ 1.86 pts · high 6.05% / low 4.19%
Oct 19, 20266.05%▲ from 4.19%
Sep 18, 20264.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Electric/Hybrid Loans
-
-
6.05%
48-month
DetailsAs Low As; Model Year: 2021-2016; Vehicles with over 100,000 miles are subject to an additional .50% rate increase.
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 4.70% → 6.05% ▲ 1.35 pts · high 6.05% / low 4.70%
Oct 19, 20266.05%▲ from 4.70%
Sep 18, 20264.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Electric/Hybrid Loans
-
-
6.05%
60-month
DetailsAs Low As; Model Year: 2021-2016; Vehicles with over 100,000 miles are subject to an additional .50% rate increase.
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 4.70% → 6.05% ▲ 1.35 pts · high 6.05% / low 4.70%
Oct 19, 20266.05%▲ from 4.70%
Sep 18, 20264.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Electric/Hybrid Loans
-
-
7.05%
84-month
DetailsAs Low As; Model Year: 2021-2016; Vehicles with over 100,000 miles are subject to an additional .50% rate increase.
Last Updated10/19/2026
Rate History
1 change since Sep 18, 2026 · 5.70% → 7.05% ▲ 1.35 pts · high 7.05% / low 5.70%
Oct 19, 20267.05%▲ from 5.70%
Sep 18, 20265.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Electric/Hybrid Loans (2026-2022)
-
-
5.30%
36-month
DetailsAs Low As; Model Year: 2026-2022; APR may be higher depending on your application; Vehicles with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 5.30% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Electric/Hybrid Loans (2026-2022)
-
-
5.30%
48-month
DetailsAs Low As; Model Year: 2026-2022; APR may be higher depending on your application; Vehicles with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 5.30% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Electric/Hybrid Loans (2026-2022)
-
-
5.30%
60-month
DetailsAs Low As; Model Year: 2026-2022; APR may be higher depending on your application; Vehicles with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 5.30% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Electric/Hybrid Loans (2026-2022)
-
-
5.55%
72-month
DetailsAs Low As; Model Year: 2026-2022; APR may be higher depending on your application; Vehicles with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 5.55% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Electric/Hybrid Loans (2026-2022)
-
-
6.30%
84-month
DetailsAs Low As; Model Year: 2026-2022; APR may be higher depending on your application; Vehicles with over 100,000 miles are subject to an additional .50% rate increase
Last Updated10/19/2026
Rate History
No change since Oct 13, 2026 · 6.30% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Line of Credit
-
-
13.75%
DetailsAs Low As; Rate: Prime + 7.00% Monthly Variable; Prime Rate as of 12-11-2025: 6.75%; APR may be higher depending on your application
Last Updated10/19/2026
Rate History
No change since Sep 14, 2026 · 13.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.21%
Financial Health History
Community West Credit Union’s Texas Ratio stayed near 2.64% in Q3 2023 to 2.21% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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
$252M
2.21%
5.0
A+
March 31, 2026
$255M
2.58%
5.0
A+
December 31, 2025
$249M
2.27%
5.0
A+
September 30, 2025
$248M
2.81%
5.0
A+
June 30, 2025
$251M
3.26%
5.0
A+
March 31, 2025
$252M
2.70%
5.0
A+
December 31, 2024
$245M
3.24%
5.0
A+
September 30, 2024
$247M
3.34%
5.0
A+
June 30, 2024
$257M
2.86%
5.0
A+
March 31, 2024
$257M
2.99%
5.0
A+
December 31, 2023
$257M
3.86%
5.0
A+
September 30, 2023
$252M
2.64%
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 Community West 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 Community West 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 Community West Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,980,297
Total Uninsured Shares and Deposits > $250K (F+J)
8,980,297
Total Insured Shares and Deposits > $250K (item 17 less item K)
220,153,708
Total Interest Expense (Sum of items 6 8)
1,615,566
Share Certificates
1,539
Number of Accounts for Share Drafts
11,437
IRA KEOGH Accounts
352
Number of Accounts for Regular Shares
23,781
All other shares
381
Money Market Shares
1,974
Net Income (unless the amount is already included in Undivided Earnings)
478,399
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)
13,745,352
Total Liabilities
234,573,706
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Community West Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Community West Credit Union
Frequently Asked Questions About Community West Credit Union
Does Community West Credit Union offer CDs?
Yes. Community West Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.
Are CDs from Community West Credit Union NCUA insured?
Yes. Community West Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Community West Credit Union?
The highest CD rate MonitorBankRates has verified for Community West Credit Union is 4.60% APY on its 12 Month Youth (Explorer) CD, as of October 19, 2026.
What CD terms does Community West Credit Union offer?
The Community West Credit Union CD terms we track include 11 month, 12 month, 17 month, 18 month, 2 year and 5 year terms, with rates from 4.00% to 4.60% APY. The institution may offer other terms or specials that are not listed here, so check with Community West Credit Union for its full lineup.
What is the highest savings rate at Community West Credit Union?
The highest savings rate MonitorBankRates has verified for Community West Credit Union is 5.00% APY on its Navigator Savings, as of October 19, 2026.
What is the highest money market rate at Community West Credit Union?
The highest money market rate MonitorBankRates has verified for Community West Credit Union is 3.25% APY on its Quest Money Market, as of October 19, 2026.
What is the highest checking rate at Community West Credit Union?
The highest checking rate MonitorBankRates has verified for Community West Credit Union is 3.00% APY on its Venture Checking, as of October 19, 2026.
What is the lowest mortgage rate at Community West Credit Union?
The lowest mortgage rate MonitorBankRates has verified for Community West Credit Union is 4.25% APR on its CUSC Refinance Loan - Variable Rate, as of October 19, 2026.
What is the lowest auto loan rate at Community West Credit Union?
The lowest auto loan rate MonitorBankRates has verified for Community West Credit Union is 5.80% APR on its New & Used Auto Loans (2026-2022), as of October 19, 2026.
What is the lowest personal loan rate at Community West Credit Union?
The lowest personal loan rate MonitorBankRates has verified for Community West Credit Union is 12.00% APR on its Personal Loan, as of October 19, 2026.
What is the lowest credit card APR at Community West Credit Union?
The lowest credit card rate MonitorBankRates has verified for Community West Credit Union is 11.99% APR on its Platinum Credit Card, as of October 19, 2026.
How many branches does Community West Credit Union operate?
Community West 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 Community West Credit Union?
Yes, to access services at Community West 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, Community West 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, Community West Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Community West Credit Union offer online and mobile banking?
Most modern institutions like Community West 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.communitywestcu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Community West Credit Union rates compare?
Community West Credit Union's top rates are 4.60% APY on its 12 Month Youth (Explorer) CD, 5.00% APY on savings, 3.25% APY on money market, 3.00% APY on checking, 4.25% on its CUSC Refinance Loan - Variable Rate, personal loans from 12.00% APR and credit cards from 11.99% APR, verified by MonitorBankRates on October 19, 2026. To compare Community West Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country.
Current Community West Credit Union Rates
12-Month CD4.00%
18-Month CD4.25%
24-Month CD3.75%
60-Month CD3.50%
Savings5.00%
MMA3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
