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Rates and Fees

Consumer Loan Rates

Rates are effective 12/18/2015 and are subject to change anytime, without notice. Additional terms and conditions may apply to all loan types.

The loan rates listed below (including Auto, Motorcycle, Boat/RV and Signature Loan) include a 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a COFCU account.

We can refinance your existing loan and may be able to SAVE you MONEY! Call for information today!

For pre-approval, Contact us or apply online.

Save even more on your next vehicle purchase with our free Auto Advisor service!

Click Here to learn more!


Copy of purchase and sale agreement required.  Not valid on existing Central One auto loans. Qualified borrowers may borrow up to 120%^^ (A+ and A credit) of the NADA retail value on new & used auto loans. Rate may be adjusted for vehicle age or high mileage vehicles. 

Qualified borrowers may borrow up to 110%^^ of the NADA retail value on new & used auto loans.

Any vehicle with MSRP over $75,000 and a residual value of over 20K will have a surcharge added to the loan.

Qualified borrowers may borrow up to 100%^^ of the NADA retail value on motorcycle loans.

Qualified borrowers may borrow up to 80%^^ of the NADA retail value on Boat/RV loans.

* Annual Percentage Rate

** For vehicles $15,000 or more

*** Does not apply to existing vehicle loans with Central One

^^Actual rate will be determined based on credit history, term, loan to value, and other factors.

^^^ Floor rate is 9.99% 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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