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Central One Federal Credit Union

  • Nominate us for Best of Central Mass!

    We're honored to be considered as nominees for Worcester Telegram's Best of Central Mass awards! Help us secure our spot in this year's contest by nominating us now through June 23rd.

  • Grow your savings

    Open a Central One savings account and watch your money grow with a competitive rate.

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  • Drive now, pay later!

    Get up to 90 days to make your first payment with a Central One auto loan. Rates as low as 3.62% APR for a new or used vehicle.

    Apply now

  • Make your home's equity work for you

    There's more than one way to use a home equity. Renovate your home, consolidate debt, pay for tuition, or more.

    Learn More

  • Earn more with our free Premium Checking

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

  • 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.

    Learn More

Today's Rates
Auto Loan Icon
Auto Loans
As low as
3.62% APR
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Credit Card Icon
Credit Cards
As low as
13.99% APR
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Home Equity Icon
As low as
7.25% APR
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Certificate Icon
Premium Money Market
As high as
1.20% APY
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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...