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We will be closed on Wednesday, June 19th in observance of Juneteenth.

Join us for a complimentary Credit Building webinar on Tuesday, 6/25!  Reserve your spot

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Central One Federal Credit Union

  • Nominate us for the Worcester Telegram's Best of Central Mass Awards!

    Help us secure our spots in this year's contest! Nominate us in the following categories from now until June 30th:

    Credit Union Category: Central One Federal Credit Union
    Financial Planning Services Category: Central One Retirement & Investment Center
    Insurance Agency Category: Oak Tree Insurance Agency

    Nominate now

  • Introducing our new and improved Financial Wellness Center

    We're excited to expand our partnership with Zogo, the top-rated financial education app, to offer fun and bite-sized financial education through both a mobile app and web-based learning options. Access our new Financial Wellness Center anytime under the "Resources" tab.

    Visit our new Financial Wellness Center

  • Free yourself from ATM fees

    Our members have access to over 55,000 surcharge-free ATMs nationwide through the SUM and Allpoint ATM networks. 

    Find an ATM

  • Home is where your life happens

    Find the place you'll make life-long memories, create new traditions, and so much more with a Central One mortgage - with lower down payments and closing costs.
  • Earn more with our free Premium Checking

    Get rewarded with cash back, ATM reimbursements, and loan discounts.

    Learn more

  • The open road is calling!


    Get rolling with great low rates for new, used, or refinanced auto loans. 

Today's Rates
Auto Loan Icon
Auto Loans
As low as
5.12% APR
Learn More
Credit Card Icon
Credit Cards
As low as
14.24% APR
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Home Equity Icon
As low as
7.50% APR
Learn More
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Premium Money Market
As high as
1.40% APY
Learn More
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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...