Contact us
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Email us
Please do not include any personal information including Social Security or member numbers.
Mailing address
Central One Federal Credit Union
714 Main St
PO Box 280
Shrewsbury, MA 01545
Lost or stolen card
To report a card lost or stolen after normal business hours, please call 1-866-692-9327.
Auto Advisor
Oak Tree Insurance Agency
Central One Retirement & Investment Center
Hope Dennis
508-841-0506
Jeff Singer
508-841-0635
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If your debit or credit card is lost or stolen, itās important to act quickly to protect your account.
- 24/7 Card Support: Call 1-866-692-9327 immediately. This line is available any time, day or night, to help you block your card and prevent unauthorized transactions.
- During Business Hours: You can also reach our Member Support Center at 800-527-1017 for additional assistance.
- What to Expect: Our team will help you secure your account, issue a replacement card, and guide you through the next steps.
š” Tip: Central One will never ask for your PIN or online banking credentials when you call.
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The quickest way to connect with Central One Federal Credit Union is by calling our Member Support Center at
800-527-1017.- Hours of Operation:
- MonāFri: 8:00 AMā6:00 PM
- Sat: 8:30 AMā1:00 PM
- Other contact options
š” Tip: Outside these hours, you can still manage your accounts anytime using Online Banking or our Mobile App.
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- Hours of Operation:
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Yes! Central One offers Virtual Appointments and Chat Now options for your convenience:
- Book online via our [Virtual Appointment page].
- Connect with a representative from home, work, or anywhere in Central Massachusetts.
- Use Chat Now on our website for quick answers during normal business hours.
š” Benefits: Flexible scheduling, secure video calls, and personalized service without needing to travel.
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Our Resource Center is designed to give members quick, secure, and convenient access to self-service tools without needing to call or visit a branch.
- FAQs & Guides: Step-by-step instructions for common tasks like resetting your password, setting up alerts, or enrolling in eStatements.
- Security Tools: Learn how to protect your account with card alerts, fraud monitoring, and secure login options.
š” Tip: The Resource Center is available 24/7, making it the fastest way to handle routine banking needs in Central Massachusetts.
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What can I do 24/7 with Online and Mobile Banking at Central One FCU?
Our Online Banking and Mobile App give you secure, anytime access to your accounts, so you can manage your finances anywhere in Central Massachusetts or beyond.
With Online and Mobile Banking, you can:
- š Check balances and transaction history instantly
- šø Transfer funds between accounts or to other members
- š§¾ Pay bills with Bill Pay and schedule recurring payments
- š± Deposit checks using Mobile Deposit with your smartphone camera
- š Access eStatements and tax documents securely online
- š¦ Apply for loans or open new accounts directly from the app or online portal
- š Locate nearby ATMs and branches in Central Massachusetts
š” Tip: For routine banking needs, Online and Mobile Banking are often faster than calling or visiting a branch. If you need help getting started, visit our Resource Center for step-by-step guides or schedule a Virtual Appointment with a representative.
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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 Oneās 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.Ā
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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 Oneās 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.Ā
Ā
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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 Oneās 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.Ā
Ā
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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.
Ā
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 Oneās ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.
Ā
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.
Ā
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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.
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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 Oneās ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.
Ā
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.
Ā
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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.
Ā
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 Oneās ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Ā
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.
Ā
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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.
Ā
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 Oneās ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Ā
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.
Ā
-
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.
Ā
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 Oneās ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Ā
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.
Ā
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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.
Ā
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 Oneās ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.
Ā
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.
Ā
-
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.
Ā
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 Oneās ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
Ā
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.
Ā
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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