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15-month Certificate special

The best things grow with time

Give your savings a place to grow with a competitive Certificate rate of APY*.

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Why choose a Certificate?

Unlike a traditional savings account, a Certificate offers a fixed rate for a set period, a great way to set aside money for future goals while earning a guaranteed return.

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Lock in your rate

Your 4.05% APY stays fixed for the entire 15-month term, so you know the rate your savings will earn.

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Make your money work harder

Instead of letting extra cash sit idle, put it toward a goal where it can earn dividends over time.

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Set it and let it grow

A certificate takes the temptation out of spending your goal money. Put it safely away and let your savings build.

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Plan for what's ahead

With a defined 15-month term, you know exactly when your savings will reach maturity and can plan ahead for what comes next.

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Give your goals room to grow

A big purchase, a future goal, or simply growing your savings. Whatever you're working toward, our 15-month certificate gives your money time and opportunity to grow at APY*. And with just $500 to open, getting started is within reach.

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  • "The best CD rate in the area"

    Trusted Certificate Reviewer

  • "They went above and beyond to help me, make my money safe and help me understand what I needed to do."

    Trusted Certificate Reviewer

  • "It was easy to open an online CD. I was able to select the CD term I need. I had a Relationship Specialist helping me via phone/email to complete the process."

    Trusted Certificate Reviewer

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Frequently Asked Questions

  • Rates across Central Massachusetts vary, but Central One FCU consistently stands out with competitive dividend rates, low minimum balances, and flexible certificate options. Our members choose us because we pair strong value with personalized service, big banks and many regional institutions can’t match.

  • A Certificate of Deposit, also called a share certificate at a credit union, is a secure savings option that typically offers higher dividend rates than a traditional savings account.

    When you open a share certificate, you deposit money for a fixed term and receive a guaranteed dividend rate that stays locked in for the entire term. This helps your savings grow predictably while protecting your money from market volatility.

    At Central One, members can choose certificate terms ranging from 6 months to 5 years based on their savings goals and timeline.

    Our Boost Certificate provides added flexibility by allowing members to open an account with as little as $100 and continue making deposits until the certificate matures.

    All Central One share certificates are federally insured by the NCUA up to applicable limits, giving members a safe and reliable way to build savings with confidence.

  • When your Central One Certificate reaches maturity, you have several options for how to manage your savings next.

    Unless you notify us that you would like to make changes, your certificate will automatically renew for the same term at the current available dividend rate.

    During the grace period after maturity, you can:

    • withdraw your funds without penalty
    • choose a different certificate term
    • move funds to another savings option
    • explore new certificate opportunities

    This flexibility allows you to adjust your savings strategy based on your financial goals, current rates, and future plans.

    If you need assistance reviewing your options, Central One team members are available to help you choose the certificate solution that best fits your needs.

  • Choosing the best share certificate term depends on your financial goals, savings timeline, and when you may need access to your money.

    Shorter-term certificates typically provide quicker access to your funds, while longer-term certificates often offer higher dividend rates and greater long-term earning potential.

    If you are saving for a near-term purchase or want more flexibility, a shorter certificate term may be a better fit. If your goal is long-term savings growth, a longer-term certificate may help maximize your earnings with a locked-in rate.

    Central One offers a variety of certificate terms to help members choose an option that aligns with their financial plans and comfort level.

    If you are unsure which certificate is right for you, our team can help you compare options and build a savings strategy with confidence.

  • Yes. Because Certificates are designed for fixed savings terms, withdrawing funds before the maturity date may result in an early withdrawal penalty.

    The penalty amount typically depends on the length of your certificate term and may involve a portion of the dividends earned on the account.

    Share certificates are intended to reward members who keep their funds invested for the full term, which helps provide higher dividend rates compared to many traditional savings accounts.

    If you believe you may need earlier access to your money, Central One can help you compare certificate terms and other savings options that may provide more flexibility for your financial goals.

Growth starts here

Open your 15-month Certificate and watch your savings start to flourish.

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Certificate Special Disclosure

*APY = Annual Percentage Yield. APY is accurate as of 8/1/2026. Minimum balance to earn APY is $500. Fees may affect earnings. Penalty may be imposed for early withdrawal. Federally insured by NCUA.

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Personal Loan Rates

Signature Personal Loan – 9.13%

Secured Loan – Share APR +3.00%

Personal Access Line of Credit (PAL) – Prime + 11.50% (floor rate is 9.99%)

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Adjustable Rate Mortgages

  • The 15/5 Adjustable Rate Mortgage offers a fixed APR of for the first 15 years then adjusts to a new rate every 5 years.

    Term: Available for terms up to 40 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies, or we will not be able to process your application. Payments do not include taxes and insurance. 

    Begin the Application Process Check Rates

  • The 15/5 Adjustable Rate Mortgage offers a fixed APR of for the first 15 years then adjusts to a new rate every 5 years.

    Term: Available for terms up to 40 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application. Payments do not include taxes and insurance. 

     

    Begin the Application Process Check Rates

  • The 10/5 Adjustable Rate Mortgage offers a fixed APR of for the first 10 years then adjusts to a new rate every 5 years.

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application. Payments do not include taxes and insurance. 

     

    Begin the Application Process Check Rates

  • The 10/5 Adjustable Rate Mortgage offers a fixed APR of for the first 10 years then adjusts to a new rate every 5 years.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies, or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 5/1 Adjustable Rate Mortgage offers a fixed APR of for the first 5 years then adjusts to a new rate every 1 year.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 5/1 Adjustable Rate Mortgage offers a fixed APR of for the first 5 years then adjusts to a new rate every 1 year.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies, or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 3/3 Adjustable Rate Mortgage offers a fixed APR of for the first 3 years then adjusts to a new rate every 3 years.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 3/3 Adjustable Rate Mortgage offers a fixed APR of for the first 3 years then adjusts to a new rate every 3 years.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 1/1 Adjustable Rate Mortgage offers a fixed APR of for the first 1 year then adjusts to a new rate every 1 year.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.

     

    Begin the Application Process Check Rates

  • The 1/1 Adjustable Rate Mortgage offers a fixed APR of for the first 1 year then adjusts to a new rate every 1 year.

     

    Term: Available for terms up to 30 years.

    Rate caps: 2% per adjustment and 5% over the initial rate for the life of the loan.

    Benefits: Central One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.

     

    Calculate your monthly payment using the ARM Mortgage Calculator

    Prior to applying, please make sure your credit is not frozen by the credit reporting agencies or we will not be able to process your application.

     

    Begin the Application Process Check Rates

Order Checks for your Home Equity Line of Credit (HELOC)

You can order checks through this link Order Checks or by calling 800-355-8123. You will need to input your account number and the Central One routing number (211387169). As a security precaution, you will not be able to change the address on the checks and all orders will be sent to the address of record on the account.

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