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Premium Certificates
6 Month APY^

Premium Certificates
9 Month APY^

Boost Certificates
1 Year Month APY^

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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.

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Previous experience, good rate, easy to sign up, able to track daily and to see it alongside our other accounts.

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FAQs

  • Rates across Central Massachusetts vary, but Central One FCU consistently stands out with competitive dividend rates, low minimum balances, and flexible certificate options. Our members choose us because we pair strong value with personalized service, big banks and many regional institutions can’t match.

  • A Certificate of Deposit also known as share certificate is a smart, secure way to grow your savings at a higher dividend rate than a traditional savings account. You simply deposit your money for a fixed term and enjoy a guaranteed, locked in rate for the entire period. At Central One, we offer terms from 6 months to 5 years, and with our Boost Certificate, you can get started with as little as $100 and keep making deposits until it matures. It’s a flexible way to build savings with confidence.

  • When your Certificate of Deposit reaches maturity, you’re in control. Unless you notify us for a change, it will automatically be renewed for the same term at the current available rate. You’ll also have a grace period to withdraw your funds, adjust your term, or explore new certificate options, all without penalty.

  • Because Certificate of Deposits are designed for a fixed term, early withdrawals typically come with a penalty based on a portion of the dividends earned. The exact amount depends on your certificate’s term length. If you think you may need earlier access to your funds, we’re happy to help you explore the best option for your needs.

  • Choosing the right term depends on your goals, timeline, and whether you’ll need access to your money. Shorter terms offer faster access, while longer terms usually deliver higher yields. If you’re unsure, our team can help you match a certificate to your financial plans, so you feel confident every step of the way.

Other Certificate Products

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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.

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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.

Learn more See rates and disclosures

Start investing in your future today

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Premium Certificates Rates

  • APY- Annual Percentage Yield
  • APY accurate as of the date listed below.
  • Minimum balance of $10,000 to open account and to earn APY
  • Fees may reduce earnings.
  • Penalty may be imposed for early withdrawal.
  • Open and maintain a Premium Checking account

Rates effective as of: April 16, 2026

APY - Annual percentage yield
$10,000 Minimum to open. $10,000 minimum to earn APY. Limited time promotion. Additional terms and conditions apply. 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. Certificate auto renews at the end of the term. 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

Premium Certificates Requirements

  • APY- Annual Percentage Yield
  • Rates are subject to change. APY accurate as of the date listed below.
  • Minimum balance of $10,000 to open account and to earn APY
  • Fees may reduce earnings
  • Open and maintain a Premium Checking account

Regular Certificates Rates

Requirements

  • APY- Annual Percentage Yield
  • APY accurate as of the date listed below.
  • Minimum balance of $500 to open account and to earn APY
  • Fees may reduce earnings.
  • Penalty may be imposed for early withdrawal.

Rates effective as of: April 16, 2026

APY - Annual percentage yield
$500 Minimum to open. $500 minimum to earn APY. Limited time promotion. Additional terms and conditions apply. 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. Certificate auto renews at the end of the term. 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 Certificates Requirements

Requirements

  • APY- Annual Percentage Yield
  • APY accurate as of the date listed below.
  • Minimum balance of $500 to open account and to earn APY
  • Fees may reduce earnings.
  • Penalty may be imposed for early withdrawal.

Boost Certificate Requirements

Requirements

    • APY- Annual Percentage Yield
    • APY accurate as of the date listed below.
    • Minimum balance of $100 to open account and to earn APY
    • Fees may reduce earnings.
    • Penalty may be imposed for early withdrawal.
    • Additional deposits may be made in amounts of $100 or more
    • Only one Boost certificate per member, with principal balance not to exceed $10,000.

Boost Certificates Rates

Requirements

    • APY- Annual Percentage Yield
    • APY accurate as of the date listed below.
    • Minimum balance of $100 to open account and to earn APY
    • Fees may reduce earnings.
    • Penalty may be imposed for early withdrawal.
    • Additional deposits may be made in amounts of $100 or more
    • Only one Boost certificate per member, with principal balance not to exceed $10,000.

Rates effective as of: April 16, 2026

*APY - Annual Percentage Yield
Fees may reduce earnings
Subject to early withdrawal penalties
Terms

Refer to Central One Federal Credit Union's Member Service Agreement and Our Rates and Service Charges Disclosure

Certificate Rates

All Certificates

  • Dividend rates are accurate as of the date listed below.
  • APY- Annual Percentage Yield
  • Fees may reduce earnings.
  • Penalty may be imposed for early withdrawal.

Premium Certificate Only

  • Minimum balance of $10,000 to open account and to earn APY
  • Open and maintain a Premium Checking account

Regular Certificate Only 

  • Minimum balance of $500 to open account and to earn APY

Boost Certificate Only 

  • Minimum balance of $100 to open account and to earn APY
  • Additional deposits can be made in increments of $100 or more, up to $10,000.
Premium Certificates

Rates effective as of: April 16, 2026

APY - Annual percentage yield
$10,000 Minimum to open. $10,000 minimum to earn APY. Limited time promotion. Additional terms and conditions apply. 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. Certificate auto renews at the end of the term. 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 Certificates

Rates effective as of: April 16, 2026

APY - Annual percentage yield
$500 Minimum to open. $500 minimum to earn APY. Limited time promotion. Additional terms and conditions apply. 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. Certificate auto renews at the end of the term. 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

Boost Certificate

Rates effective as of: April 16, 2026

*APY - Annual Percentage Yield
Fees may reduce earnings
Subject to early withdrawal penalties
Terms

Refer to Central One Federal Credit Union's Member Service Agreement and Our Rates and Service Charges Disclosure

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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. 

    Begin the Application Process Check Rates

  • 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. 

     

    Begin the Application Process Check Rates

  • 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. 

     

    Begin the Application Process Check Rates

  • 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.

     

    Begin the Application Process Check Rates

  • 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.

     

    Begin the Application Process Check Rates

  • 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.

     

    Begin the Application Process Check Rates

  • 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.

     

    Begin the Application Process Check Rates

  • 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.

     

    Begin the Application Process Check Rates

  • 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.

     

    Begin the Application Process Check Rates

  • 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.

     

    Begin the Application Process Check Rates

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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