First time specials

groups of young people enjoying life

Your new adventures start here

Whether you are looking for your first car loan or first credit card, Central One can help save you money.

First car loan

Buying your first car is a major milestone. Central One can save you time and money. We can help take the stress out of finding that perfect car with our complimentary Auto Advisor Car Buying Service, which guides you through navigating not only the purchase, but additional options for your vehicle, such as GAP and extended warranties.  First time buyers also receive a special discount on your auto loan, so make sure you compare our rates for either used or new cars before you sign!

Before you get started, learn about the ins and outs of car buying here.

First Car Loan Benefits
  • Up to 1% reduction on your auto loan rate1
  • No credit history required2
  • Finance up to 100% of the vehicle value2

Apply Now or Contact one of our lending specialists to help you with your first loan. Call 800-527-1017

1.Minimum rate is the current lowest advertised rate, 0.99% APR. 

2. Down payment and/or cosigner may be needed.

First Time Auto Loan Disclosure: To qualify, you must not have a previous auto loan on your credit history. 1% discount includes Electronic Loan Payment from a Central One checking account. Discounts cannot be combined and cannot go below lowest published rate. A down payment and cosigner may be required. Actual rate will be determined based on credit history, term, loan to value, and other factors. Call a lending specialist at 800-527-1017 for more information.


First credit card

Central One has the perfect option for you with their First Time Credit Card offer. Enjoy the benefits of an introductory rate as low as 7.99%*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!

All Central One Credit Cards include:

• Mobile Wallet compatibility No Annual Fee or Balance Transfer Fees
Contactless technology   No penalty rates
Instant Issue on lost or stolen cards Same low APR for purchases & cash advances
Card Control App to turn your card on or off Zero liability for unauthorized transactions*
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

Apply Now or  Call 800-527-1017

All new Central One Credit Cards are now contactless

Checkout swiftly, safely and securely with contactless technology.

Find the right first card for your lifestyle

Compare our great first time credit options

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

Loss of Introductory APR: We may end the introductory APR and apply the regular APR based on your creditworthiness if you fail to maintain a Central One checking account or discontinue eStatements. After 2 years, the account converts to the standard Visa Diamond or Diamond Rewards card rates. 

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


Did you know that Central One also has a special First Time Home Buyer program?

Learn More