Credit Building Programs
Credit Building Loan
New to credit? Our Credit Builder Loan is designed to help you establish a positive credit history and help move towards your financial goals. With just 6 months of full-time employment and little to no credit history without delinquencies, you may already qualify.
Secured Loans
Looking to repair your credit? Use your savings, money market or certificate account as collateral to borrow funds. Our Savings and Certificate Secured Loans offer competitive low rates. Terms and rates vary.
Visa Diamond Secured* Credit Card
This card offers the lowest APR secured card, offering you savings opportunities over the "Big Bank" cards. No annual fee, serviced locally and accepted worldwide with no foreign transaction fee.
Diamond Disclosure
Visa Diamond Rewards Secured Credit Card
This card offers a competitive low rate, with unlimited cash back. No annual fee, serviced locally and accepted worldwide with no foreign transaction fee.
Diamond Rewards Disclosure
Empowering you with financial knowledge
More informationFrom building credit to buying a home, we’re here to help.
Explore our financial literacy seminars and take the next step with confidence.
Unlock your credit potential!
Get a copyWant to strengthen your credit? We’re here to help. Our Score Enhancement service gives you personalized tips based on your credit report—so you can take the next step with confidence. Stop by any branch or reach out to our Member Support Center to learn more.
Discover financial wellness
Get startedBuild financial confidence at your own pace. Visit our Financial Wellness Center for quick, interactive programs on budgeting, credit, identity protection, and more.
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*110% of the loan amount will be held as collateral on Savings/Certificate Secured loans.
Visa Diamond Secured*
Our most-popular card. This card offers our lowest APR secured card, offering you savings opportunities over the “Big Bank” cards. Low rate, no annual fee, serviced locally and accepted worldwide.
Contactless Card Features:
- Our lowest APR card
- No annual fee or penalty rates
- Same low APR for cash advances!
- Instant Issue for lost or stolen cards
- Mobile Wallet compatible
- Card Control App
Visa Diamond Rewards Secured
The Visa Diamond Rewards card offers a competitive low rate, UNLIMITED cash back, no annual fee, serviced locally and accepted worldwide.
Contactless Card Features
- Earn unlimited 1% cash back on every purchase**
- Competitive variable APR, currently as low as APR
- No annual fee or penalty rates
- Same low APR for cash advances!
- Accepted worldwide
- Locally serviced at your Central One branch
- Instant Issue for lost or stolen cards
- Mobile Wallet compatible
- Card Control App
Obtaining a Free Copy and Review of Your Credit Report
The following information is provided by the Federal Trade Commission. See the Federal Trade Commissions website for more information;
You may order additional credit reports if:
- You are entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days
- A company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action.
- You are on welfare
- Your report is inaccurate because of fraud including identity theft.
You may also buy additional credit reports by contacting the credit bureaus directly:
- Equifax
- 1-800-685-1111; equifax.com
- Experian:
- 1-888-397-3742; experian.com
- TransUnion:
- 1-800-916-8800; transunion.com
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Open Account
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 |
|
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.
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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.
-
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.
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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.
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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.
-
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.
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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.
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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