Other Services
Overdraft Protection
Accidents happen! When unexpected expenses arise, overdraft protection can save you from financial trouble at a low cost. It comes in three forms:
Personal Access Line (PAL)
For members with fair to good credit, we offer Personal Access Lines (PALs) as overdraft protection on your Central One checking accounts.1
Automatic Transfer
The Automatic Transfer program transfers the needed funds to your checking account from one of your Central One savings accounts. 2
Safe Deposit Boxes
All Central One full-service branches except Saint Vincent Hospital Branch offer safe deposit box rentals for members.
To inquire about renting a safe deposit box, please contact a branch for sizes and availability.
Notary Public
Central One Federal Credit Union offers notary services free of charge for our members. Notaries act as impartial third-parties to verify the identity and willingness of a document signer.
Please call the branch ahead of time to ensure a notary will be available.
Important: Notarizing a document is not a Medallion Stamp or Signature Guarantee.
Visa
Gift Cards
Find a branch
Looking for a safe and versatile gift? A pre-paid Visa gift card is a great choice! It offers many of the same protections as a traditional Visa card. Stop by your local branch to get yours today!
Medallion Stamp Signature Guarantee
Find a branchNeed a signature guarantee for transferring securities? Our authorized branch associates can help! This service is available by appointment for established members. Call your local branch for details and to book your appointment.
Foreign Currency Exchange
Order foreign currency*Are you traveling soon and need foreign currency? Although Central One does not currently offer foreign currency exchange services, we can refer you to Currency Exchange International (CXI), one of North America’s leading foreign exchange providers, to purchase foreign currency exchange and mail it to your home.
We offer many products and services designed to fit your unique needs
Personal Access Line (PAL)
For members with fair to good credit, we offer Personal Access Lines (PALs) as overdraft protection on your Central One checking accounts. PALs are a variable line of credit and can be as high as $5,000. 1
When an accidental overdraft happens, funds are automatically borrowed from your PAL to fund the overdraft. There is no fee associated with the transfer and you only pay interest on the funds you borrow.
Benefits of a Personal Access Line
- No fees associated with using your PAL, only pay interest on the funds borrowed
- Once you are approved for a PAL, funds can be borrowed for any reason at any time
- Saves you the cost of a high non-sufficient funds (NSF) fee
- Can ensure your eBills go through when scheduled
- Prevents checks from bouncing, saving you from high merchant fees
- Saves you the embarrassment of denied debit card transaction
1 Based on creditworthiness
Automatic Transfer (Overdraft Transfer from Savings)
The Automatic Transfer program transfers the needed funds to your checking account from one of your Central One savings accounts.2
Benefits of Auto Transfer
- Saves you the cost of a high non-sufficient funds (NSF) fee
- Can ensure your eBills go through as scheduled
- Prevents checks from bouncing, saving you from high merchant fees
- Avoids the embarrassment of denied or returned transaction
2 This is not a line of credit but simply a method of electronically transferring funds from your Savings Accounts to cover any overdraft checks. If there are not sufficient funds in the savings account the checks will not clear and will be declared as non-sufficient funds in the account.
Courtesy Pay
Courtesy Pay is the last line of defense against accidental overdrafts. It has a higher fee associated with it than auto transfers or personal access line usage, and access to Courtesy Pay is at the discretion of the credit union. *
Checks and ACH transfers for qualified members may be automatically covered by the Courtesy Pay program. For ATM and debit transactions, you must opt in to receive this protection.
While there is no charge to authorize us to pay your overdrafts, under our standard overdraft/Courtesy Pay practices we will impose the following service charges:
For Check and ACH Overdrafts
- We will impose a service charge of up to $30.00 each time we pay an overdraft on a check or ACH item.
- There is a $120 per day per account limit on the service charges we can impose for overdrafts of checks or ACH Items.
For ATM and Debit Card Overdrafts
Premium Courtesy Pay (ATM & POS) – Courtesy Pay fees are tiered.
Transactions $20.00 & under…………………………………$5.00
Transactions $20.01 to $100.00 …………………………..$20.00
Transactions $100.01 and Greater……………………….$30.00
There is a $75 per day per account limit on the service charge we can impose for ATM or debit card overdrafts.
For all our products and fees, see Our Rates & Service Charges
If you are enrolled in other overdraft protections, such as a PAL or Auto Transfer, we will continue to use those methods before we use Courtesy Pay.
* Member Qualifications: Must be at least 18 years of age, be a member in good standing with an account open for at least 180 days and have no more than two 30-day late loan payments or one 60-day late payment in the last 24 months. Central One reserves the right to deny payment.
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Open Account
Personal Loan Rates
Signature Personal Loan – 9.13%
Secured Loan – Share APR +3.00%
Personal Access Line of Credit (PAL) – Prime + 11.50% (floor rate is 9.99%)
Ice Cream Day Dates
| Location | 2026 Dates | Time | Vendor |
|---|---|---|---|
|
Northborough |
August 27 |
4pm - 6pm |
Trombetta's Farm |
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.
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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.
-
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.
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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.
-
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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Food Truck Dates
| Location | 2026 Dates | Time | Vendor |
|---|---|---|---|
|
Auburn |
August 22 |
11am - 1pm |
Italian Street Food |
|
Northborough |
August 29, 2026 |
11am - 1pm |
Tacoborough |
|
Westborough |
September 12 |
11am - 1pm |
Tacoborough |
|
Shrewsbury |
October 17 |
11am - 1pm |
Savage Wraps |
|
Milford |
October 24 |
11am - 1pm |
Braised Food Truck |
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