Turn payments into progress
Move your high-interest credit card balances and pay your debt off faster.
Start making progress with your payments
Take control of high-interest debt by moving your balance to a lower-rate card with no balance transfer fee. With a reduced APR, more of what you pay each month goes toward lowering your balance, not covering interest or upfront costs.
4.99% APR* introductory rate
No balance transfer fee
No Annual Fee
Start Your Transfer in Minutes
Follow the steps below to start your Balance Transfer!
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1
Log into your online or mobile banking
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2
Find the Balance Transfer Form in Forms (online banking) or More > Forms (mobile app).
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3
Fill out your Balance Transfer information and submit. We'll take it from there!
Not a current Central One cardholder?
Apply for a Central One card today to get started on your balance transfer. Explore the comparison table below to find the card that best fits your needs. Once you’re approved, we’ll provide the Balance Transfer Form to keep things moving!
Find the right card for your lifestyle
Compare our selection of great credit card options.
Factor |
Diamond
|
Diamond Rewards
|
Signature®
|
|---|---|---|---|
| Best for |
Low APR designed for members who carry a balance. |
Unlimited rewards for those who like to shop! |
Highest rate cash back unlimited rewards. |
|
Variable APR as low as |
|
|
|
|
Limited Time Balance Transfer APR* June 1 - Feb 17, 2028 |
4.99% |
4.99% |
4.99% |
| Unlimited cash back |
False |
1%** |
1.5%** |
| Cash Advance APR |
Same as APR for purchases |
Same as APR for purchases |
Same as APR for purchases |
|
No Annual Fee Balance Transfer Fee Cash Advance Fee |
True |
True |
True |
| No international transaction fees |
True |
True |
True |
| Locally serviced |
True |
True |
True |
| Accepted worldwide |
True |
True |
True |
| Late Payment Fee |
$29 |
$29 |
$29 |
| Over the Credit Limit |
$29 |
$29 |
$29 |
| Benefits |
Norton Life Lock |
Norton Life Lock |
Travel and Emergency, Roadside Assistance, and Norton Life Lock |
Rates effective as of: May 31, 2026
*APR - Annual percentage rate
Less Interest. More Progress.
Make your move today and start making a dent in your debt.
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*APR = Annual Percentage Rate. Actual rates and approval subject to applicant’s creditworthiness. APRs are variable, adjust with Prime and are capped at 17.5%. See disclosure for full details. Central One Federal Credit Union membership is required.
Balance Transfer Promotion Disclosure: Promotion valid from 6/1/26 through 9/30/26. 4.99% APR* promotional rate valid through 2/17/28 on transfers made between 6/1/26 through 9/30/26. Subject to creditworthiness. Your credit card’s variable APR* and normal finance charges apply to balances other than the transferred balance, such as purchases and cash advances. Your card’s variable APR will also apply to any balances transferred under the offer remaining after 2/17/28. Currently, this APR* is as low as 12.49% and could be as high as 17.50%, but will vary with the market based on the Prime Rate and is subject to change. Central One Business Solutions Visa Card’s variable APR is as low as 13.74% and could be as high as 17.50%, but will vary with the market based on the Prime Rate and is subject to change. You may only transfer balances up to the amount of your credit limit. You may only transfer balances from cards not issued by Central One. Balance transfers do not earn rewards. Balance transfers have no grace periods and may take up to 45 days to complete. You are responsible to pay any minimum balances to prevent fees from being incurred. Central One does not reimburse fees from other credit card providers. No annual fee, no balance transfer fee, no cash advance fee, late payment fee $29, over the credit limit fee $29. You must be at least 18 years of age. Other terms and conditions apply. See branch for details or call 800-527-1017. *APR= Annual Percentage Rate. Promotion ends 9/30/26. Federally insured by NCUA.
**Cash back rewards are deposited directly into your Central One account.
***Based on creditworthiness. Terms and conditions apply or Loss of Introductory APR: We may end the introductory APR and apply the regular APR based on your creditworthiness if you fail to maintain a Central One checking account or discontinue e Statements. After 2 years, the account converts to the standard Visa Diamond or Diamond Rewards card rates. For more details, see First Time Visa Diamond disclosure or First Time Visa Rewards Card disclosure.
First Time Visa Diamond disclosure
Visa Diamond Rewards disclosure
Balance Transfer Disclosure
*APR= Annual Percentage Rate. Balance Transfer Promotion valid from 6/1/26 through 9/30/26. 4.99% APR* promotional rate valid through 2/17/28 on transfers made between 6/1/26 through 9/30/26. Subject to creditworthiness. Your credit card’s variable APR* and normal finance charges apply to balances other than the transferred balance, such as purchases and cash advances. Your card’s variable APR will also apply to any balances transferred under the offer remaining after 2/17/28. Currently, this APR* is as low as 12.49% and could be as high as 17.50%, but will vary with the market based on the Prime Rate and is subject to change. Central One Business Solutions Visa Card’s variable APR is as low as 13.74% and could be as high as 17.50%, but will vary with the market based on the Prime Rate and is subject to change.
You are responsible to pay any minimum balances to prevent fees from being incurred. Central One does not reimburse fees from other credit card providers. No annual fee, no balance transfer fee, no cash advance fee, late payment fee $29, over the credit limit fee $29.
You may only transfer balances up to the amount of your credit limit. You may only transfer balances from cards not issued by Central One. Balance transfers do not earn rewards. Balance transfers have no grace periods and may take up to 45 days to complete.
You must be at least 18 years of age. Other terms and conditions apply. See branch for details or call 800-527-1017. Promotion ends 9/30/26. Federally insured by NCUA.
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Open Account
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%)
Ice Cream Day Dates
| Location | 2026 Dates | Time | Vendor |
|---|---|---|---|
|
Auburn |
June 25, 2026 |
4pm - 6pm |
Trombetta's Farm |
|
Milford |
July 9, 2026 |
4pm - 6pm |
Trombetta's Farm |
|
Shrewsbury |
July 23, 2026 |
4pm - 6pm |
Trombetta's Farm |
|
Westborough |
July 30, 2026 |
4pm - 6pm |
Uhlman's Ice Cream |
|
Worcester - St. Vincent Hospital |
August 6, 2026 |
12pm - 2pm |
Sweet Treat |
|
Northborough |
August 27, 2026 |
4pm - 6pm |
Trombetta's Farm |
Food Truck Dates
Check back for the 2026 dates and times
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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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