updated 4/3/2020
If your business has been affected by the Coronavirus, the Small Business Administration has programs that may help. 

If you would like to apply for the SBA Paycheck Protection Program Loan, please fill out and submit application with all supporting documents to CommercialReferral@centralfcu.comOnce submitted, Central One will confirm receipt and provide you with your next steps.

Please note: Central One cannot start the process without your completed application. Please refer to the SBA eligibility guide if you have questions regarding who qualifies.

Download Paycheck Protection Program Loan application here.


Additional programs available

Economic Injury Disaster Loans


updated 4/1/2020

COVID-19 Scams

Fraudsters use global crises, like COVID-19, to phish. Don’t take the bait. Be alert to phishing emails and other COVID-19 related scams.

Learn More

As a member owned cooperative, Central One is here for you.
If you have experienced a loss of income or other financial hardship due to COVID-19, please contact our Member Support Center at 800-527-1017 and we'll see what options may be available to help your situation.
updated 3/23/2020

Central One is here for you!

Central One is designated as an essential business and though our branch lobbies are temporarily closed, our drive up windows in Shrewsbury, Auburn, Northborough and Westborough will continue to be open from 7 am to 6 pm Monday- Friday and Saturdays during their normal business hours.

Safe deposit box access may be made by appointment only by calling each branch directly.

  • Auburn  508-832-2100
  • Northborough  508-393-8112
  • Westborough  508-366-5553
  • Shrewsbury  508-842-7400

The Member Support Center is also available to assist you at 800-527-1017.

Our online and mobile banking services offer you the ability to conduct most transactions from the comfort and safety of your home.

We appreciate your loyalty as a member and please stay safe.


The health and safety of our members and employees is our top priority.

Central One is continuously monitoring this evolving situation around Coronavirus (COVID-19). As this situation begins to have an increased impact within our communities and in order to help slow the spread of the virus, we are temporarily closing our branch lobbies, effective Wednesday, March 18 until further notice. 

To accommodate our members, drive up will be open extended hours Monday- Friday from 7am-6pm, and normal Saturday business hours. No guest member Shared Branching or nonmember check cashing will be offered during this period at drive-up.

  • ATM’s are also at each branch location in addition to the more than 55,000 fee free ATM’s in our network.
  • Our lobby staff will be available by appointment only. Please call your local branch to assess your needs and to schedule:

Auburn: 508-832-2100

Northborough: 508-393-8112

Shrewsbury: 508-842-7400

Westborough: 508-366-5553


Central One encourages members to use our remote banking services whenever possible. 

  • Our online and mobile banking app for account monitoring, mobile check deposit, transfer funds and Bill Pay.

Download Central One App  Apple App Store Badge Google Play Badge

  • Card Control App will help you monitor your transactions, set alerts and turn your card on/off at anytime from anywhere.

Download Central One Card Control App  App store  Google Play

  • Member Support Center is available at 800-527-1017 Monday thru Friday from 7 am to 6 pm, Saturdays from 8:30 am – 3 pm. You may experience longer wait times to reach a representative. We appreciate your patience.
  • ATM’s are also at each branch location in addition to the more than 55,000 fee free ATM’s in our network.

If you are not already using Central One Online Banking or our Mobile Banking App, we encourage you to enroll today. Please contact our Member Support Center at 508-842-7400 or 1-800-527-1017.

To make sure you are receiving the latest updates, please make sure to have your email address added to your Central One account. 

Learn more from the CDC about the Coronavirus (COVID-19) and ways you can help keep you and your family safe:

If you have specific questions related to banking at Central One during the COVID-19 outbreak, please email

Frequently Asked Questions


We appreciate your continued loyalty and will update you with any further information.