Premium Checking Account
This account offers great perks and no minimum balance requirements or monthly service charges. Get started with a $1,500 per month direct deposit. ¹
• Cash back: 10¢ cash back for every
point-of-sale transaction
• Get Paid Early: Receive your regular direct deposits up to 2 days early
• ATM Reimbursements: Get up to $12 per month for out-of-network ATM fees *
Regular Checking Account
Enjoy our Free Regular Checking account – no fees, just the essentials, and it even earns dividends**. Simple, straightforward, and really free!
Choose the account that fits you
| Features & Benefits | Premium Checking |
Regular Checking |
Student Checking |
|---|---|---|---|
| Cash back globally |
True |
False |
False |
| Overdraft Protection available |
True |
True |
False |
| Early access to payroll and regular direct deposit |
True |
False |
False |
| ATM fee reimbursement |
True |
False |
False |
| Mortgage discount program |
True |
False |
False |
Our contactless debit cards come with all of the benefits you've come to expect:
Access your cash
Access 55,000+ fee-free ATMs and 5,000+ branches nationwide through CO-OP Shared Branch—giving you more ways to bank when and where you need to.
Mobile Wallet
Add your debit or credit card to your phone’s mobile wallet for fast, secure checkout—whether you’re at the store, online, or on the go.
Instant card re-issue
Lost or stolen card? No problem. Visit any of our full-service branches and get a replacement card issued instantly so you’re never left without one.
Card Control App
Control your card anytime—set limits, turn it on or off, manage travel, and get alerts—all from one easy-to-use app designed to keep you in charge.
Go paperless with eStatements
Access your statements anytime, anywhere—securely and all in one place. Signing up is quick and easy!
Learn more
Order Checks
If you are signed up for Bill Pay, you can order checks right from the Bill Pay menu. Click on the e-Services tab and select the checking account for which you would like to order checks.
Order Checks
Friend recommended and I've been very pleased with my experience. Central One staff made it easy to switch banks. I always get a live person on phone vs stuck in loop.
Ready to open your free checking account?
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¹ Premium Checking Terms Apply. Please see Member Service Agreement and Our Rates and Service Charge Disclosure
*Free ATM network includes Central One, SUM and Allpoint terminals. Out of network terminal owners may charge a service fee.**Dividends based on average daily balance, visit Our Rates and Service Charge Disclosure for current Annual Percentage Yield (APY). Dividend rates are accurate as of the last dividend declaration date.
^ 0.25% rate discount on adjustable-rate mortgages only. Conversion from Regular Checking or Central Advantage to Premium Checking will not be automatic and must be made before the last business day of the month to be effective at the start of the next monthly statement.
All accounts must meet eligibility requirements.
APY-Annual Percentage Yield Rates subject to change after account opening.
Minimum balance to open account $0.00 Minimum balance to earn APY $0.00.
All checking accounts are considered variable rate accounts and rates are subject to change at any time without notice. Fees or other conditions may reduce earnings on the account.Important Information: Dividend rates are accurate as of the last dividend declaration date. All savings and money market accounts are considered variable rate accounts and rates are subject to change at any time without notice. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on the account.
Refer to Central One Federal Credit Union’s Member Service Agreement and Our Rates and Service Charge Disclosure
Go Paperless with eStatements
• Log in to your Online Banking Account.
• Click eStatements and tax forms from the top menu.
• Review and accept the Central One Federal Credit Union eStatement disclosure and agreement.
• Provide a valid email address and click submit.
• Choose how you want to be notified when new notices or statements become available: text message or email.
Need help? Contact our Member Support Center at 800-527-1017 or visit a branch for assistance.
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Open Account
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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 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.
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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.
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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.
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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.
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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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