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The 2021 PPP application is now available. CLICK HERE 
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Central One Federal Credit Union

  • multiracial fist bumping

    We're growing!

    Expanded membership now includes all of Worcester County and areas in Middlesex and Norfolk counties.

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  • Visa Diamond Credit Card

    Reduce your high rate credit card balances

    Transfer your card balances and enjoy NO transfer fee, NO annual fee and a low fixed rate of 4.99% APR until January 2023! 

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  • Put your home's equity to work

    Home Equity Line of Credit rates as low as 3.25 %*

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  • Young woman looking exited

    Reward yourself with our Free Checking

    No minimum balance.
    No monthly service charges. No kidding.
  • Couple Driving

    Drive Happier!

    Auto loan rates as low as 0.99% APR!

    Save time and money with our free Auto Advisor service.

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  • two dogs sharing a blue scarf in snowy landscape
    Introducing our new Referral Program

    Fetch a friend and share the rewards

    A simple and rewarding way to earn up to $500 per year by sharing the benefits of being a Central One member with family and friends.

Today's Rates
Auto Loan Icon
Auto Loans
As low as
0.99% APR
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Credit Card Icon
Credit Cards
As low as
8.99% APR
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Home Equity Icon
Home Equity
As low as
3.25% APR
Learn More
Certificate Icon
As high as
1.10% APY
Learn More
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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...

Save Up To $15 on TurboTax!