Premium Certificates
6 Month APY^
Premium Certificates
9 Month APY^
Boost Certificates
1 Year Month APY^
Open now with a minimum of $500
Open your Certificate at a branch
Find a branchOpen your Certificate online
Open nowCall our Member Support Center
Call Us
Premium Certificates
With a $10,000 minimum deposit and a Premium Checking account, you can start earning top-tier dividend rates and make the most of your money.
I have opened two CD's and both interactions have been outstanding. Good service and easy to complete business.
Other Certificate Products
Regular Certificates
Maximize your savings with our popular Regular Certificate! Enjoy competitive high yields with a low $500 minimum balance. It's a simple and effective way to grow your savings.
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.
Start investing in your future today
-
^ APY = Annual Percentage Yield
Premium Certificate Requirements
$10,000 Minimum. Limited time promotion. Additional terms and conditions apply. Minimum deposit of $5 in Owner Voting Share account. Must open and maintain a Premium Checking account. Subject to early withdrawal penalties.
Rates are subject to change. APY- Annual Percentage Yield ¹ $10,000 Minimum. Limited time promotion. Additional terms and conditions apply. Certificate Important Information: All certificate rates are fixed for the length of the term. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits or may require the waiver of the early withdrawal penalty. If the term of your certificate is not available at the time of renewal, your certificate will renew at the next longest term available. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan.Refer to Central One Federal Credit Union’s Member Service Agreement and Our Rates and Service Charges Disclosure
Regular Certificate Requirements
$500 Minimum. Limited time promotion. Additional terms and conditions apply. Minimum deposit of $5 in Owner Voting Share account. Subject to early withdrawal penalties.
Rates are subject to change. APY-Annual Percentage Yield ¹ $10,000 Minimum. Limited time promotion. Additional terms and conditions apply. ²$500 Minimum. Limited time promotion. Additional terms and conditions apply. Certificate Important Information: All certificate rates are fixed for the length of the term. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits or may require the waiver of the early withdrawal penalty. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan.Refer to Central One Federal Credit Union’s Member Service Agreement and Our Rates and Service Charges Disclosure
Boost Certificate Requirements
Minimum balance of $100, additional deposits may be made in amounts of $100 or more. Joint account with a parent or guardian (must be a credit union member). Subject to early withdrawal penalties. Only one boost certificate per member, with principal balance not to exceed $10,000.
Rates are subject to change. For boost Certificates, if the member 17 years of age or younger a parent or guardian must be a joint account owner. Boost Certificates have a minimum balance requirement of $100. Additional deposits can be made in increments of $100 or more, up to $10,000 maximum per certificate. Dividends are compounded monthly, and the certificate auto renews at the end of the term.Refer to Central One Federal Credit Union’s Member Service Agreement and Our Rates and Service Charges Disclosure
Certificate Important Information:
All certificate rates are fixed for the length of the term. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits or may require the waiver of the early withdrawal penalty. If the term of your certificate is not available at the time of renewal, your certificate will renew at the next longest term available. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan. Member Service Agreement and Our Rates and Service Charge Disclosure.IMPORTANT: Failure to maintain the requirements of the Premium Checking or Premium Certificate accounts may result in placement in a Regular Checking or Regular Certificate account.
Regular Certificates Rates
Requirements
- Minimum deposit of $5 in Owner Voting Share account
- Minimum balance of $500
- Subject to early withdrawal penalties*
| Certificate Term | Dividend Rate | APY^ |
|---|---|---|
|
6 Month |
|
|
|
9 Month |
|
|
|
1 Year |
|
|
|
15 Month |
|
|
|
18 Month |
|
|
|
2 Year |
|
|
|
30 Month |
|
|
|
3 Year |
|
|
|
5 Year |
|
|
Rates effective as of: October 15, 2025
APY - Annual percentage yield
$500 Minimum to open. $500 minimum to earn interest. Limited time promotion. Additional terms and conditions apply. Minimum deposit of $5 in Owner Voting Share account. Must open and maintain a Premium Checking account. Subject to early withdrawal penalties. Fees may reduce earnings.
Certificate Important Information: All certificate rates are fixed for the length of the term. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits or may require the waiver of the early withdrawal penalty. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan.
Refer to Central One Federal Credit Union's Member Service Agreement
and Our Rates and Service Charges Disclosure
Regular Certificates Requirements
- Minimum deposit of $5 in Owner Voting Share account
- Minimum balance of $500
- Subject to early withdrawal penalties*
Boost Certificate Requirements
- Minimum balance of $100, additional deposits may be made in amounts of $100 or more
- For joint accounts with a child under 18, the parent or guardian (must be a credit union member)
- Subject to early withdrawal penalties*
- Only one Future Investor certificate per member, with principal balance not to exceed $10,000.
Boost Certificates Rates
Requirements
- Minimum balance of $100, additional deposits may be made in amounts of $100 or more
- For joint accounts with a child under 18, the parent or guardian (must be a credit union member)
- Subject to early withdrawal penalties*
- Only one Future Investor certificate per member, with principal balance not to exceed $10,000.
| Certificate Term | Dividend Rate | APY^ |
|---|---|---|
|
1 Year |
|
|
|
2 Year |
|
|
Rates effective as of: October 15, 2025
APY - Annual percentage yield
$100 Minimum to open. $100 minimum to earn interest. Limited time promotion. Additional terms and conditions apply.
Minimum deposit of $5 in Owner Voting Share account. Must open and maintain a Premium Checking account. Subject to early withdrawal penalties. Fees may reduce earnings.
If the member is 17 years of age or younger, a parent or guardian must be a joint account owner.
Boost Certificates have a minimum balance requirement of $100. Additional deposits can be made in increments of $100 or more, up to $10,000.
The certificate auto renews at the end of the term.
Refer to Central One Federal Credit Union's Member Service Agreement
and Our Rates and Service Charges Disclosure
Certificate Rates
| Certificate Term | Dividend Rate | APY^ |
|---|---|---|
|
6 Month |
|
|
|
9 Month |
|
|
|
1 Year |
|
|
|
15 Month |
|
|
|
18 Month |
|
|
|
2 Year |
|
|
|
30 Month |
|
|
|
3 Year |
|
|
|
5 Year |
|
|
Rates effective as of: October 15, 2025
APY - Annual percentage yield
$10,000 Minimum to open. $10,000 minimum to earn interest. Limited time promotion. Additional terms and conditions apply. Minimum deposit of $5 in Owner Voting Share account. Must open and maintain a Premium Checking account. Subject to early withdrawal penalties. Fees may reduce earnings.
Certificate Important Information:
All certificate rates are fixed for the length of the term. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits or may require the waiver of the early withdrawal penalty. If the term of your certificate is not available at the time of renewal, your certificate will renew at the next longest term available. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan.
Refer to Central One Federal Credit Union's Member Service Agreement
and Our Rates and Service Charges Disclosure
| Certificate Term | Dividend Rate | APY^ |
|---|---|---|
|
6 Month |
|
|
|
9 Month |
|
|
|
1 Year |
|
|
|
15 Month |
|
|
|
18 Month |
|
|
|
2 Year |
|
|
|
30 Month |
|
|
|
3 Year |
|
|
|
5 Year |
|
|
Rates effective as of: October 15, 2025
APY - Annual percentage yield
$500 Minimum to open. $500 minimum to earn interest. Limited time promotion. Additional terms and conditions apply. Minimum deposit of $5 in Owner Voting Share account. Must open and maintain a Premium Checking account. Subject to early withdrawal penalties. Fees may reduce earnings.
Certificate Important Information: All certificate rates are fixed for the length of the term. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits or may require the waiver of the early withdrawal penalty. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan.
Refer to Central One Federal Credit Union's Member Service Agreement
and Our Rates and Service Charges Disclosure
| Certificate Term | Dividend Rate | APY^ |
|---|---|---|
|
1 Year |
|
|
|
2 Year |
|
|
Rates effective as of: October 15, 2025
APY - Annual percentage yield
$100 Minimum to open. $100 minimum to earn interest. Limited time promotion. Additional terms and conditions apply.
Minimum deposit of $5 in Owner Voting Share account. Must open and maintain a Premium Checking account. Subject to early withdrawal penalties. Fees may reduce earnings.
If the member is 17 years of age or younger, a parent or guardian must be a joint account owner.
Boost Certificates have a minimum balance requirement of $100. Additional deposits can be made in increments of $100 or more, up to $10,000.
The certificate auto renews at the end of the term.
Refer to Central One Federal Credit Union's Member Service Agreement
and Our Rates and Service Charges Disclosure
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
Open Account
Ice Cream Day Dates
All Ice Cream Day events are from 4:00 – 6:00 pm.
June 12th- Auburn Branch, 63 Southbridge Street
July 24th- Westborough Branch, 40 South Street
August 7th- Northborough Branch, 148 Main Street
August 21st- Milford Branch, 82 Prospect Street.
August 28th- Shrewsbury Branch, 714 Main Street
August 15th- Worcester (Saint Vincent Hospital) Branch – We’ll be serving Goody’s Kettle Corn at the branch all day!
Food Truck Dates
All Food Truck Events are from 11:00 am – 1:00 pm.
July 12th- Westborough Branch, 40 South Street: Tacoborough Food Truck
August 9th- Shrewsbury Branch, 714 Main Street: Savage Wraps Food Truck
August 14th- Worcester (Saint Vincent Hospital) Branch – Garden Fresh sandwiches in-branch
August 23rd- Auburn Branch, 63 Southbridge Street: Bird’s Nest Panini Food Truck
September 6th- Northborough Branch, 148 Main Street: Tacoborough Food Truck
October 4th- Milford Branch, 82 Prospect Street (Route 140): Braised Food Truck
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.
-
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.
Leaving Our Website
You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.