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Rates

Rates to help you achieve just about anything you can imagine.
Checking Accounts
Account Type Dividend Rate as of December 1, 2024 Annual Percentage Yield (APY)*
Commonwealth Business Account* 0.10% 0.10%

*Annual Percentage Yield. The APY is variable and may change after account opening without notice. Commonwealth Business Account must maintain an average daily balance of $5,000 to earn dividends. 
Regular Savings
Account Type Dividend Rate as of November 3, 2025 Annual Percentage Yield (APY)*
Regular Savings 0.15% 0.15%
*Annual Percentage Yield. The APY is variable and may change after account opening without notice. Dividends are paid and compounded Monthly. APY assuming dividends are reinvested. 

Certificates (Regular, Traditional IRA, and Roth IRA)
Term Dividend Rate as of November 3, 2025 Annual Percentage Yield (APY)*
6 months - New money only, not funds currently on deposit with Commonwealth Credit Union
$500 minimum
 4.121% 4.20%
15 months - New money only, not funds currently on deposit with Commonwealth Credit Union
$500 minimum
 4.073% 4.15%
6 months
$500 minimum
 4.025% 4.10%

12 months
$500 minimum

 3.977% 4.05%
18 months
$500 minimum		 3.590% 3.65%
24 months
$500 minimum		 3.542% 3.60%
36 months
$500 minimum		 3.494% 3.55%
48 months
$500 minimum		 3.445% 3.50%
60 months
$500 minimum		 3.687% 3.75%
6-month Jumbo Certificate§
$75,000 minimum
 4.121% 4.20%
12-month Jumbo Certificate§
$75,000 minimum
 4.073% 4.15%
*Annual Percentage Yield. Dividend Rates are subject to change without notice. Dividends are paid and compounded Monthly. Substantial Penalties apply for early withdrawal. Annual Percentage Yield assuming dividends are reinvested. 
§Annual Percentage Yield. $75,000 minimum balance. Rate accurate as of November 3, 2025 and subject to change. Monthly compounded dividends. Penalties for early withdrawal; fees may reduce earnings. Auto-renews to a Jumbo Certificate with same term at standard Jumbo rates. Limited time offer. 


Business Money Market Accounts
Average Daily Balance Dividend Rate Annual Percentage Yield (APY)*
$100,000 and up 3.928% 4.00%
$50,000 to $99,999.99 3.687% 3.75%
$25,000 to $49,999.99 3.542% 3.60%
$10,000 to $24,999.99 3.397% 3.45%
$2,500 to $9,999.99 3.251% 3.30%
*Annual Percentage Yield. Dividend Rates are variable and subject to change after account opening without notice. Dividends are paid and compounded monthly based on average daily balance. Minimum balance of $2,500 required to earn the stated APY. Fees could reduce earnings.


Wealth Development Certificate
  • Required monthly contribution transfer from account once per month
  • One withdrawal allowed within a 90-day period**
Term Min to Open Monthly Min/Max Annual Percentage Yield (APY)*
24 months $5.00 $20/$400 5.00%, paid annually
48 months $5.00 $20/$200 5.00%, paid annually
*Annual Percentage Yield. Accurate as of November 3, 2025. Early withdrawal penalties may reduce earnings. Funds transferred to a regular savings account at maturity. Dividend paid annually on the anniversary of the open date.
**A subsequent withdrawal in the same 90-day period will be subject to an early withdrawal penalty and the certificate will be closed.