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Personal Banking

Personal Banking

Roth IRA

Contribute to a Roth and take eligible distributions tax free. IRA funds are insured separately from your other deposits by NCUA.


  • Contribute up to $5,000.00 if you earn compensation that is less than the defined limits set by Congress.
  • IRA Owners aged 50 and over can make "catch up" contributions of up to $1000 making their total allowable contribution $6000.
  • Contributions can be made weekly or monthly via Direct Deposit to an IRA Share savings account.
  • IRA certificates with competitive rates are available with a $1000 minimum balance
  • Contributions are not tax deductible.


  • Regular contributions can be withdrawn tax free and without an IRS penalty at any time.*
  • After the account has been opened for five tax years, earnings may be withdrawn tax-free and penalty-free for any of these reasons: age 59 ½; disability; death; or a first time home purchase.

*There may be a Credit Union penalty if the withdrawal breaks the term of a Certificate of Deposit.

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.

Copyright © 2015 Central One Federal Credit Union. All Rights Reserved.