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Credit Building Programs

Young Adults 

Secured Loans

Best for: Building or repairing credit.

Use your savings, money market or certificate account with Central One as collateral to borrow funds*. 

Our Savings Secured and Certificate Secured loans offer competitive low rates. Terms vary. Call or visit your local branch to learn more.

*110% of the loan amount will be held as collateral on Savings/Certificate Secured loans.


Apply Now

Visa Diamond Secured*

Our most-popular card. The Visa Diamond card offers our lowest rate, saving you hundreds of dollars per year compared to the "Big Bank" cards. Low rate, no annual fee, serviced locally and accepted worldwide. 

Rate as low as 14.24 % APR!

Contactless Card Features

  • Our lowest APR card
  • No annual fee or penalty rates
  • Same low APR for cash advances!
  • Instant Issue for lost or stolen cards
  • Mobile Wallet compatible
  • Card Control App
All Central One credit cards are eligible for complimentary ID Navigator Powered by NortonLifeLockTM. This useful tool helps keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen. To confirm eligibility, visit www.cardbenefitidprotect.com.

Apply Now

*110% of the loan amount will be held as collateral on secured credit cards.

Visa Diamond disclosure


Visa Diamond Rewards Secured

The Visa Diamond Rewards card offers a competitive low rate, UNLIMITED cash back, no annual fee, serviced locally and accepted worldwide.

Contactless Card Features

  • Earn unlimited 1% cash back on every purchase**
  • Competitive variable APR, currently as low as 16.49 % APR
  • No annual fee or penalty rates
  • Same low APR for cash advances!
  • Accepted worldwide
  • Locally serviced at your Central One branch
  • Instant Issue for lost or stolen cards
  • Mobile Wallet compatible
  • Card Control App
All Central One credit cards are eligible for complimentary ID Navigator Powered by NortonLifeLockTM. This useful tool helps keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen. To confirm eligibility, visit www.cardbenefitidprotect.com.

Apply Now

*110% of the loan amount will be held as collateral on secured credit cards.

Visa Diamond Rewards disclosure


Financial Literacy Seminars

We offer a wide variety of financial literacy seminars from building credit to first time home buyer to help you plan for life's major purchases. Check out our event calendar for dates and details.


More Information


Obtaining a Free Copy and Review of Your Credit Report

As a Central One member, you are entitled to a free service called Score Enhancement that reviews your credit score and report, providing insight on what you are doing well and where you might improve. Inquire at any branch or contact the Member Support Center for details.

You are allowed by law to obtain one free copy of your credit report without the actual score from each of the three nationwide credit reporting companies every 12 months. For a small fee, each company will also provide your score. 

Get a free copy of your credit report at annualcreditreport.com


The following information is provided by the Federal Trade Commission. See the Federal Trade Commissions website for more information;

You may order additional credit reports if:

  • You are entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days
  • A company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action.
  • You are on welfare
  • Your report is inaccurate because of fraud including identity theft.


You may also buy additional credit reports by contacting the credit bureaus directly: