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Loans & Credit

Ready to Join?

It's easy to open an account at CommonWealth One when you apply for a new credit card. Learn more about the benefits of credit union membership and just how easy it is to join your local credit union.

4.99% APR* Special Visa Balance Transfer Offer

It's time to move your high-rate balances to us! We're the only ONE with a 4.99% APR* Special Visa Balance Transfer offer for the Life of the balance.

If you are carrying balances on high-rate department store credit cards, or simply paying too much interest elsewhere, you could save hundreds of dollars in interest with our special offer.

  • Pay less in interest over the life of the balance
  • No balance transfer fees or teaser rates
  • Unlimited transfers
  • Quick and easy transfers in online banking, mail or bring in the balance transfer form, at a branch, or call (866) 820-5871

Don't Have A CommonWealth One Credit Card?

Apply for your new credit card in just minutes online and get the best Visa credit card with exceptional benefits and rewards.  Rewards may be redeemed for cash or a credit to your account, plus travel, gift cards or merchandise.

Visa Signature Rewards

  • Variable rates as low as 9.99% APR*
  • No annual fee, no cash advance or balance transfer fees
  • Get 10,000 bonus rewards points when you spend $1,500 in retail purchases within the first 90 days of opening your account†
  • Earn 1.25 Rewards point for every dollar spent on all purchases

Visa Platinum Rewards

  • Variable rates as low as 8.99% APR*
  • No annual fee, cash advance or balance transfer fees
  • Earn 1 Rewards point for every dollar spent on all purchases

Visa Platinum

  • Variable rates as low as 7.99% APR*
  • No annual fee, cash advance or balance transfer fees
†The Visa Signature Credit Card 10,000 bonus rewards points offer applies to new card holders only. New cardholders will receive 10,000 bonus reward points when they make $1,500 in purchases within first 90 days of account opening. Balance transfers and cash advances do not apply. 
*APR=Annual Percentage Rate. Balance transfers are considered cash advances, and interest is charged from the date of the transfer. The amount of the transfer cannot exceed your available credit line. Please continue to make payments on other accounts until the balance transfer is confirmed. If you want to close other accounts, contact the issuer directly. Balance transfers may not be applied to other CommonWealth One loan balances. 4.99% promotional rate is valid for the life of the balance. Limited time offer. Valid on balances transferred between December 26, 2016 through April 30, 2017. Federally Insured by NCUA. Equal Opportunity Lender. 
**Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact us.