Northborough Branch
Branch Manager
Vaneetha Kannan
NMLS: 526166
Address
148 Main Street
Northborough, MA 01532
Phone
Operating Hours
| Day | Branch hours | Drive-up hours | Safe Deposit Box hours |
|---|---|---|---|
| Monday |
8:30am to 4:30pm |
8:00am to 5:00pm |
8:30am to 4:15pm |
| Tuesday |
8:30am to 4:30pm |
8:00am to 5:00pm |
8:30am to 4:15pm |
| Wednesday |
8:30am to 4:30pm |
8:00am to 5:00pm |
8:30am to 4:15pm |
| Thursday |
8:30am to 5:30pm |
8:00am to 6:00pm |
8:30am to 5:15pm |
| Friday |
8:30am to 4:30pm |
8:00am to 5:00pm |
8:30am to 4:15pm |
| Saturday |
8:30am to 12:00pm |
8:30am to 12:00pm |
8:30am to 11:45am |
| Sunday |
Closed |
Closed |
Closed |
Branch Features
Drive-up ATM
Available 24/7
Instant Issue
Get your replacement debit or credit card on the spot.
Official Bank Check
Guaranteed payment that cannot bounce.
Safe Deposit Boxes
Multiple sizes available. Call to inquire.
Coin Machine
Make your change count with our coin counters.
Please note: Coins, rolled or loose, are not accepted at the drive-up window. Fee is assessed based on total coin counted. There is no fee for Central One Premium Checking Account holders. Fee for Central One members is 3%. Fee for non-members is 10%. Total coin counted and fee amount is reflected on receipt.
Notary Public and Medallion Stamp Signature Guarantee
Contact the branch in advance to make sure someone is available to help you.
Judy Misener at the Northborough branch is excellent. Attentive understanding, and followed thru the entire process making the experience super easy! Great job & kudos to Judy!
CO-OP Shared Branch Hours
Guest members can use this branch during the following hours:
Monday – Friday: 9 am – 4 pm
Saturday: 9 am – 11:30 am
New ID Verification for Shared Branch Transactions – Effective May 1, 2025
To enhance security, all Central One members visiting a CO-OP Shared Branch—and non-members visiting a Central One branch—will be required to complete ID verification through a new platform before certain transactions. Shared Branch transactions must be conducted inside of the branch.
We're here to help!
Ask us how we can assist you on your financial journey.
Holiday Schedule
|
Monday, January 20, 2025 |
Martin Luther King, Jr. Day |
|
Monday, February 17, 2025 |
Presidents' Day |
|
Monday, May 26, 2025 |
Memorial Day |
|
Thursday, June 19, 2025 |
Juneteenth National Independence Day |
|
Friday, July 4, 2025 |
Independence Day |
|
Monday, September 1, 2025 |
Labor Day |
|
Monday, October 13, 2025 |
Columbus Day |
|
Tuesday, November 11, 2025 |
Veterans Day |
|
Thursday, November 27, 2025 |
Thanksgiving Day |
|
Thursday, December 25, 2025 |
Christmas Day |
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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
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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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