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Central One Federal Credit Union

  • Vote for us!

    We're thrilled to announce that thanks to your nominations, Central One is among the top five finalists for the 2022 BEST CREDIT UNION, BEST FINANCIAL PLANNING SERVICES and OAK TREE INSURANCE for BEST INSURANCE AGENCY by the readers of Worcester Telegram & Gazette.  Vote now through 8/23 and you could help us take the title of Best in Central Mass!


  • woman balancing on beach wall

    Find your Balance

    Transfer your card balances and enjoy NO transfer fee, NO annual fee and a low fixed rate of 5.25% APR until February 2024! 

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  • woman in chair relaxing on beach

    Treat yourself this season with our Visa Signature® card

    Earn unlimited 1.5% cash back on all purchases everyday!

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  • Put your home's equity to work

    Home Equity Line of Credit rates as low as 4.50 %*

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  • Young woman looking exited

    Reward yourself with our Free Checking

    No minimum balance.
    No monthly service charges. No kidding.
  • Mother and Baby

    Less Down,
    Lower Payments

    The 10/5 ARM, a mortgage option designed for you, with rates as low as 4.99%

    Learn More

Today's Rates
Auto Loan Icon
Auto Loans
As low as
1.49% APR
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Credit Card Icon
Credit Cards
As low as
11.24% APR
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Home Equity Icon
Home Equity
As low as
4.50% APR
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Certificate Icon
As high as
3.20% APY
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View All Rates

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Central One is a not-for-profit credit union

Become a member

As a not-for-profit credit union, we put you and our community first. We reward our members with exceptional rates and world-class service. 

Learn about our great lending rates on all products from auto loans to credit cards and mortgages.

Membership requires opening an Owner Voting Share with a $5 deposit.

Just see what our members have to say...

Members Save with Love My Credit Union Rewards