The Answer to Your Big Bank Problems?
A Wicked Local Credit Union.
The bigger the bank, the bigger the banking problems.
Banking at Central One is truly banking local - with people who call this community home, just like you.
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Feeling like a number?
We make members feel valued, with a 4.9/5 member satisfaction rating to prove it! -
Limited Access?
Get access to over 55,000 fee-free ATMs and over 5,000 shared branches. -
High fees?
Banking at a local credit union means lower fees and higher deposit rates. -
Outdated tech?
We've got all the up-to-date tech you'd expect from a bigger financial institution - use our top-rated mobile app, Tap to Pay, mobile deposits, and more! -
Poor service?
Our team is local, and we understand the people and businesses of Massachusetts. We're here to help, and we're here to stay. -
Profits over people?
As locals, our communities matter to us. That's why we're committed to uplifting Massachusetts communities and investing in our members' wellbeing.
Banking for Mass, in Mass.
Central One is based right here in Massachusetts, with branch locations in Auburn, Milford, Northborough, Shrewsbury, Westborough, and Worcester. Since we're locals ourselves, we understand the unique needs of the people and businesses in Central Mass. Plus, we're right around the corner when you need us.
Hometown banking vibes with big-time banking capabilities
Get the best of both worlds with neighborhood banking dependability coupled with our top-rated banking tech.
Bank 24/7 with our top-rated app
Our user-friendly banking app is rated 4.8 stars on the Apple App store based on 1.8K reviews! Plus, we offer the banking tech you've come to expect, from mobile wallets, mobile deposit, online loan payments, and more.
Access your cash from anywhere, even outside New England
Our full-service branches and Member Support Center are located right here in Mass, so we're nearby if you need us. The best part? You can access your money anywhere in the U.S. with over 5,000 branches through the Shared Branch Network and over 55,000 ATMs through the SUM and AllPoint ATM networks.
Ready to experience Wicked Local Banking®?
Becoming a member is wicked easy. If you live, work, worship, volunteer, own a business, or attend school in any of the towns we serve, you can bank with us! Open an account at your local branch or quickly online. Check out some of our most popular products to get started:
Premium Checking Account
This account offers great perks and no minimum balance requirements or monthly service charges. Get started with a $1,500 per month direct deposit. ¹
• Cash back: 10¢ cash back for every
point-of-sale transaction
• Get Paid Early: Receive your regular direct deposits up to 2 days early
• ATM Reimbursements: Get up to $12 per month for out-of-network ATM fees2
Visa Signature Credit Card
Get rewarded with our low-rate credit card and enjoy unlimited 1.5% cash back3 on all purchases. No annual fees, balance transfer fees or international transaction fees.
Visa Signature Disclosuree
Boost Certificate
You don’t need a big balance to begin building your future. With a low $100 minimum to open, the Boost Certificate is designed to make saving more accessible, whether you’re starting fresh or setting aside a little extra for something special. It’s a simple way to take the first step toward bigger goals.
Awards
2025 Best of Central Mass
Voted Best Locally Owned Business in Central Massachusetts
2025 Best of Central Mass
Voted Best Employer in Central Massachusetts
2025 Best of Central Mass
Voted one of the top 3 credit unions in Central Massachusetts 6 years in a row
2025 American Banker
Named in the top 10 Best Credit Unions to Work For in 2025 by American Banker
2025 Savings Excellence Award
America Saves Week Designation of Savings Excellence Award Winner 2025
Boston Globe Best Credit Union to Work For
Top places to work
2025 Veteran Savings Excellence Award
Veteran Saves Week 2025 Designation of Savings Excellence (DOSE) Award
Feefo
Platinum Trusted Service Award by Feefo Reviews
Top Lender Banker and Tradesman
Named a Top Lender by Banker & Tradesman 4 years in a row
Bank with the people who get you.
Local people, local support, and banking built around your needs - right here in Massachusetts.
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1 Premium Checking Terms Apply. Please see Member Service Agreement and Our Rates and Service Charge Disclosure
2 Free ATM network includes Central One, SUM and Allpoint terminals. Out of network terminal owners may charge a service fee.
3 Cash back rewards are deposited directly into your Central One account. Visa Signature® disclosure
All accounts must meet eligibility requirements. All checking accounts are considered variable rate accounts and rates are subject to change at any time without notice. Fees or other conditions may reduce earnings on the account. See Our Rates and Service Charge Disclosure and Member Service Agreement for details.
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Open Account
Ice Cream Day Dates
Check back for 2026 dates and times
Food Truck Dates
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Adjustable Rate Mortgages
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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.
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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.
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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.
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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.
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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.
-
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.
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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.
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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.
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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.
-
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.
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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