Rates
View rates
Business Solutions Plus Checking
$100,000.00 +
as high as
Business Solutions Plus Checking
$50,000.00 - $99,999.99
as high as
Business Solutions Plus Checking
$25,000.00 - $49,999.99
as high as
Business Solutions Plus
Businesses with high account balances looking for a tiered dividend earning account
Business Solutions
Designed for businesses with a low volume of transactions and lower balances.
Choose the account that works for you
| Factor | Business Solutions Plus Interest | Business Solutions |
|---|---|---|
| Best for: |
Businesses with high account balances looking for a tiered interest-bearing account.
Businesses with a high number of transactions. |
Businesses with an average daily balance below $25,000.
Businesses with a low volume of transactions |
| Monthly service charge | $25 if minimum balance requirement not met * | $0 |
| Balance requirement | $25,000 | No |
| Interest paid | Yes, tiered rates based on balance. | No |
| Free cleared checks monthly | 250 | 100 |
| Business debit card | Yes | Yes |
*If daily average balance falls below $25,000, the account will be charged a monthly service charge of $25.
Workplace Advantage
Looking for more than just a traditional bank-at-work program? Our Workplace Advantage program goes beyond opening accounts and banking products. It was designed to equip your employees with budgeting tools, financial guidance, and resources to reduce money stress and build healthy financial habits.
The results? A more engaged, productive, and satisfied team. Supporting your employees’ financial wellness isn’t just good for them – it's smart for your business.
Need additional business products?
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For a complete list of fees associated with business accounts, view Our Rates and Service Charge Disclosure For more information, contact a Central One branch representative. For more information, refer to Central One Federal Credit Union’s Business Service Agreement.
Rates
| Account Type | APY* |
|---|---|
|
Business Solutions Interest Checking
0 - $24,999.99 |
|
|
Business Solutions Interest Checking
$25,000.00 - $49,999.99 |
|
|
Business Solutions Interest Checking
$50,000.00 - $99,999.99 |
|
|
Business Solutions Interest Checking
$100,000.00 + |
|
Rates effective as of: March 8, 2026
APY = Annual Percentage Yield, Rates are subject to change. For a complete list of fees associated with business accounts, view Our Rates and Service Charges. For more information, contact a Central One branch representative. For more information, refer to Central One Federal Credit Union's Business Service Agreement. Refer to our Disclosures Page.
Disclosures
For a complete list of fees associated with business accounts, view Our Rates and Service Charge Disclosure For more information, contact a Central One branch representative. For more information, refer to Central One Federal Credit Union’s Business Service Agreement.
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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.Â
-
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.Â
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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.Â
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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.
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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 One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.
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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.
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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 One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.
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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.
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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 One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
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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.
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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 One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
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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.
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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 One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
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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.
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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 One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30-year fixed rate.
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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.
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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 One’s ARMs often have lower down payment requirements, lower initial monthly payments and lower initial APRs than a 30 year fixed rate.
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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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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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