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Tiered Money Market

as high as APY

Money Market

as high as APY
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Tiered Money Market

This tiered rate account is ideal for members who want to earn a higher interest rate on their account balances while having flexible access to their funds.

Features and benefits
✔ No minimum balance
✔ Earns a higher dividend rate
✔ Unlimited deposits
✔ No monthly service charge
✔ One free withdrawal or transfer per month. A fee will be assessed for any additional withdrawals or transfers

Open now See rates and disclosures
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Money Market

Earn more while keeping your money within reach. Our competitive-tiered account gives you the best of both worlds—higher returns with no restrictions on deposits.

Features and benefits
✔ No minimum balance, no monthly fees
✔ Higher dividend rates than a Regular Share account
✔ Unlimited deposits, easy access
✔ Up to three free withdrawals or transfers per month (fees apply for extras)
Manage your money anytime with online, mobile, and telephone banking.

Open now See rates and disclosures

Looking for other savings options?

Explore Certificate accounts
Explore Regular Savings accounts
Explore Youth Savings accounts

I had a great experience. I wanted to open a savings account but did not have a large lump sum to start with. The staff were extremely helpful in figuring out with savings account would be best for me!

— Trusted Savings Reviewer

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Money Market FAQs

  • Choosing the right account depends on your balance and how you plan to use your funds:

    Tiered Money Market: Best for members with larger balances who want to maximize earnings. This account features tiered interest rates, meaning the more you save, the higher the APY you earn on your entire balance.

    Standard Money Market: Ideal for members who want a higher yield than a regular savings account but prefer a lower entry point, with no minimum balance requirements and a competitive flat rate.

    Business Money Market: Designed for local businesses to earn more on operational cash flow.

  • A Central One Money Market account offers a middle ground between a standard savings account and a long-term certificate:

    • Money Market accounts typically offer higher dividend rates than our Regular Share savings accounts.
    • Unlike a Certificate (CD), your funds are not locked. You maintain liquidity with the ability to make withdrawals and unlimited deposits at any time.
    • Your funds are federally insured, providing a risk-free way to grow your money compared to market investments.
    • Our Money Market accounts have no monthly service charges, allowing your savings to grow without being chipped away by fees.

  • Yes. One of the primary benefits of a Money Market account is liquidity. Unlike a Certificate (CD), where your money is locked for a set term, a Money Market account allows you to withdraw or transfer funds at any time. While we encourage keeping funds in the account to maximize your monthly dividends, you have the flexibility to access your cash whenever an unexpected need arises.

  • Yes. Your deposits are safe and secure. Central One Federal Credit Union is federally insured by the National Credit Union Administration (NCUA). This means your Money Market funds are backed by the full faith and credit of the United States Government up to at least $250,000 per individual depositor. This makes a Money Market account a low-risk, high-yield alternative to more volatile market investments.

  • Dividends are calculated based on your daily balance and are compounded and credited to your account quarterly. This means every day your money is in the account, it is working for you. For our Tiered Money Market accounts, your earnings are automatically optimized, as your daily balance reaches a new tier, you immediately begin earning the higher rate associated with that level.

Ready to put your money to work?

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Rates

  • *APY- Annual Percentage Yield
  • APY accurate as of the date listed below
  • Minimum balance of $0 to earn APY
  • Fees may reduce earnings.
  • All savings and money market accounts are considered variable rate accounts
Money Market Rates

Rates effective as of: June 8, 2026

APY-Annual Percentage Yield
Rates subject to change after account opening.
Savings and Money Market Accounts (Savings and Money Market) Important Information:
Dividend rates are accurate as of the last dividend declaration date. All savings and money market accounts are variable rate accounts and rates are subject to change at any time without notice.
Minimum balance to open account $0.00 Minimum balance to earn APY $0.00. 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.

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

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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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%)

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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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On Tuesday, 6/9, branch lobbies will close at 4pm for an employee event. Drive-ups and our Member Support Center will close at 4:30pm.