Central Credit Union

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Loans and Mortgages

1st Time Home Buyers Program

Our 1st Time Home Buyer's program is available to members who are buying their very first home, or who have not owned a home in 5 years.

First Time Home Buyer Calculator

First Time Home Buyer

The Perfect First Time Homebuyer Program:

  • Up to 97% LTV* Restrictions do apply; minimum 3% down.
  • 10/5 Adjustable Rate Mortgage- Current Rate 3.75%*
  • Rate reduced by .25% from published rates Additional .125% rate reduction with direct deposit of paycheck
  • Final Rate of 3.375%!!*
  • Up to 30 year term available
  • Pre-qualifications available
  • No pre-payment penalties
  • Monthly billing or auto payment options
  • Servicing maintained by Central One Federal Credit Union
  • Utilize Mortgage Payment Calculator to figure your payment.
  • Mortgage Application: Standard Checklist of Conditions 
  • Upon closing, you will also receive a $1,000 pre-approved Visa card and a $50.00 Home Depot gift card
Apply Now!

 Other Adjustable Rate Products are available at different rates, too!


Save $500 On Your Closing Costs!

You could save $500 on your closing costs when financing your home
with Central One by purchasing with one of these local realtors:

List of Local Realtors

*Not available on our no closing cost programs.
*May not be combined with other programs Central One Federal Credit Union may be offering.

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


*Rate dated March 1, 2014


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.


Live Chat by LivePerson

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