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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.


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Visa Diamond Secured*

Visa Diamond Credit Card 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 8.99 % APR!

Card Features

  • Our lowest APR card
  • Same low APR for cash advances!
  • No annual fee or hidden charges
  • Accepted worldwide
  • Locally serviced at your Central One branch

You also receive the following Visa benefits:

  • Exclusive Discounts through Visa Checkout
  • Identity Theft Protection (up to $1,000)
  • Roadside Assistance
  • Lost luggage reimbursement (up to $3,000)
  • Auto rental collision damage waiver
  • Travel accident insurance (up to $100,000)
  • Purchase Security & Extended Protection
  • Travel & Emergency Assistance Services

Apply Now

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

Visa Diamond disclosure


Visa Diamond Plus Cash Secured

Visa Diamond Plus Cash Credit Card Want both rewards and a low APR? The Visa Diamond Plus Cash card offers a competitive rate and UNLIMITED cash-back rewards!

Card Features

  • Earn unlimited 1% cash back on every purchase**
  • Competitive variable APR, currently as low as 11.24 % APR
  • No annual fee or hidden charges
  • Accepted worldwide
  • Same low APR for cash advances!
  • Locally serviced at your Central One branch

You also receive the following Visa benefits:

  • Exclusive Discounts through Visa Checkout
  • Identity Theft Protection (up to $1,000)
  • Roadside Assistance
  • Lost luggage reimbursement (up to $3,000)
  • Auto rental collision damage waiver
  • Travel accident insurance (up to $100,000)
  • Purchase Security & Extended Protection
  • Travel & Emergency Assistance Services


Apply Now

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

Visa Diamond Plus Cash disclosure


Future Focus Credit Card

Future Focus Visa Credit Card Choosing your first credit card can be a daunting task. That’s why Central One is making it simple with the low rate, cash back Future Focus card. Enjoy our lowest rate rewards card while building your credit.

Establish good credit and earn unlimited rewards!

Card Features

  • Earn unlimited 1% cash back on every purchase**
  • 1% reduction in APR for the first six years***
  • No annual fee or hidden charges
  • Accepted worldwide
  • Same low APR for cash advances!
  • Variable APR as low as 10.24 % APR

You also receive the following Visa benefits:

  • Exclusive Discounts through Visa Checkout
  • Identity Theft Protection (up to $1,000)
  • Roadside Assistance
  • Lost luggage reimbursement (up to $3,000)
  • Auto rental collision damage waiver
  • Travel accident insurance (up to $100,000)
  • Purchase Security & Extended Protection
  • Travel & Emergency Assistance Services


Apply Now


Future Focus disclosure.


*Actual rates and approval subject to applicant's creditworthiness. APRs are variable, adjust with Prime and are capped at 17.5%. See application for full details. Central One Federal Credit Union membership is required. 

**Cash back rewards are deposited directly into your Central One account. 

***After 6 years, the account converts to the standard rate Visa Diamond Plus Cash card.


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. 

Experian, Equifax and TransUnion are now offering free weekly credit reports through April 2021.

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: