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Loans and Mortgages

Student Loans

When financial aid is not enough, Central One student loans are here to help. Central One offers two options for education financing: Student Choice and Credit Union Student Loans. As well as refinancing your current loans. Each option has different rates and requirements. If you would like additional information before applying, please call a member support representative, use our live chat, or stop by a branch today.

Choose a product you'd like to do:



Student Choice Loan

Best Use: Four Year University

  • Funds may be used for undergraduate programs of Title IV schools and not-for profit schools only. Find out if your school qualifies.
  • Line of Credit structure
  • Borrow up to $75,000 
  • Co-Borrower may not be required
  • No origination fees
  • Rate:  Variable As Low As 6.00% APR*
  • Repayment terms of 20 or 25 years




Credit Union Student Loan

Best Use: Community College

  • Funds can be used for any accredited 2 year junior or community college program.
  • Borrow up to $10,000
  • Two qualified co-borrowers may be required
  • Up to 10 year repayment
  • Fixed rate  9.125% APR*  
  • No origination fees

Several payment options including:





Refinance and Consolidate with StudentChoice

Best Use: Out of school and currently employed

With a Central One StudentChoice Consolidation loan, you can combine multiple private student loans, with multiple payments, into one loan with a single payment. You can only consolidate or refinance private student loans.

When you consolidate multiple student loans or refinance a single student loan, you may receive a lower monthly payment with a reduced interest rate or an extended repayment term. However, extending your repayment term may increase the amount of interest you pay over the life of the loan.


  • A potentially lower monthly payment.
  • Consolidate multiple private student loans or refinance a single private student loan.
  • Reduce your loan cost by qualifying for 0.25% interest rate reduction with Auto-Draft/ACH from a Central One account.
  • Pay no application, origination, processing, or dispursement fees.

Rates as low as 6% APR based on credit history, co-borrower (if applicable) and other factors.



Student Loan Consolidation

Would you like to know more? Contact us or visit any branch location and we'll get you started.

*Annual Percentage Rate*

CentralNet Login

CentralNet Enrollment

For first-time login to CentralNet, use the password you selected when you opened your account.

If you do not have a password or have forgotten it, call 508-842-7400 or 800-527-1017.


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Secure Chat is available
Monday through Friday
8:00 a.m. to 4:30 p.m.

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