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Credit Cards

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Signature Card

Get rewarded with our low-rate credit card and enjoy unlimited 1.5% cash back on all purchases. No annual fees, balance transfer fees or international transaction fees.

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Find the right card for your lifestyle

Compare our selection of great credit card options.

Rates effective as of: October 16, 2026

APR - Annual percentage rate

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Looking for your first credit card?

We have the perfect option for first time borrowers with our Diamond or Rewards credit card. Enjoy the benefits of a low introductory rate as low as APR*** for the first two years your account is open with no annual fee and no cash advance transaction fee. Start building your credit today!

Apply now
Credit Card Balance Transfer

Less interest.
More progress.

Give yourself more room to get ahead with Central One’s low rates and no balance transfer fee. Transfer your higher-rate credit card balances and put more of your payment toward what you owe, not interest. Take a meaningful step toward paying down debt faster today.

Ready to get started? Sign in to Online Banking or the mobile app, open the More menu, and select Balance Transfer.

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Member Protect Program

Borrowers may qualify for loss of life, disability, and unemployment protection. Our program offers relief if you lose your job, become disabled, or pass away. This voluntary protection helps ease the financial burden of delinquency, default, or foreclosure.

Visit Member Protect

Credit Building Programs

Need to build or rebuild your credit? Our credit building programs can help you improve your score. Use these tools responsibly to create a strong credit history and unlock better loan terms and financial opportunities.

Credit Building Programs

My representative presented this card option to get money back as I spend on what I need. It is a great perk to spending!!

— Trusted Reviewer

Credit Card FAQs

  • Absolutely. Central One credit cards offer the same modern technology as major banks, with the added benefit of local support. Our cards include:

    • Contactless payments for fast, secure “tap to pay” transactions
    • Mobile wallet integration with Apple Pay, Google Pay, and Samsung Pay
    • Real-time security controls, including the ability to freeze your card, set travel notices, and receive instant alerts
    • EMV chip protection to help reduce fraud and protect your information

    You get the convenience of big-bank technology with the service of a local credit union.

  • Yes. Central One offers credit cards specifically designed to help you build or rebuild your credit history.

    • First-Time Card: Ideal for members new to credit, with a 1% APR reduction to help you save as you get started
    • Secured Card: Uses a deposit as collateral, providing a reliable way to establish or improve your credit profile

    These options are built to help you get started confidently. By making on-time payments, you can begin building a positive credit history and work toward stronger financial opportunities over time.

  • With Central One, earning rewards is simple, and redeeming them is even easier.

    Eligible cards, including the Signature, Diamond Rewards, and Diamond Rewards Secured cards, offer cash back that is automatically credited to your credit card or checking account. There’s no need to track points or log into a separate portal, your rewards are applied for you. This makes it easy to enjoy the benefits of a cash back credit card without any extra steps.

  • The right Central One credit card depends on your financial goals. We offer options designed to meet a variety of needs:

    • For maximum cash back: The Signature Card offers unlimited 1.5% cash back on every purchase
    • For a low interest rate: The Diamond Card features one of our most competitive variable APRs
    • For a balance of rewards and low rates: The Diamond Rewards Card offers 1.0% unlimited cash back with a competitive rate
    • For building credit: The First-Time Card and Secured Card are designed for members with limited or rebuilding credit

    Our team is here to help you choose the card that fits your needs and supports your financial goals.

  • Central One credit cards offer the same technology as major banks, with the added value.

    Key advantages include:

    • Lower fees: No annual fees, no balance transfer fees, and no cash advance fees
    • Competitive APRs: Rates that are often lower than national averages
    • Instant service: Get a replacement card immediately at a local branch instead of waiting 7–10 days
    • Automatic rewards: Cash back is credited automatically, without manual redemption

    With Central One, you get the convenience of a national provider combined with the personalized service and value of a local credit union.

  • No. Central One credit cards have no annual fee, no balance transfer fee, and no cash advance fee.

  • You can transfer balances from credit cards issued by other financial institutions, but balances from Central One-issued cards are not eligible. Transfers are limited to your approved credit limit.

  • No. While select Central One credit cards offer cash back rewards on purchases, balance transfers do not earn rewards.

  • Any remaining transferred balance after 2/17/28 will begin accruing interest at your card’s standard variable APR, which currently ranges from as low as 12.49% up to 17.50% APR depending on creditworthiness and market conditions.

Compare, save, and keep more where it belongs—in your pocket.

Discover better rates, lower fees, and smarter solutions designed to help you get ahead.

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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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