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Future Focus

Future Focus

Discounts and Bonuses for First-Time Borrowers

As a not-for-profit financial institution, Central One is committed to improving your financial well-being. 

The Future Focus program rewards positive financial behavior and helps you acquire your first credit card, first car and first home.

Jump to: First Credit Card | First Car | First Time Home Buyer

Program Requirements

The following requirements must be met to enroll in a Future Focus product: 

  • Central One membership
  • All accounts in good standing
  • First-time borrower for the product
  • Open a Share Draft Checking Account
  • Direct Deposit of at least $500/month
  • Enrolled in eStatements
  • Enrolled in Online or Mobile Banking

Future Focus Credit Card Establish good credit and earn unlimited rewards with the 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 on a rewards card, currently as low as 12.49 % APR, while building your credit.

Future Focus Credit Card Benefits

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

To qualify, you must meet the Future Focus program general requirements listed above.


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*Cash back rewards are deposited directly into your Central One account. 
**After year five, the account converts to the standard rate Visa Diamond Plus Cash card. APRs are variable, adjust with Prime, are capped at 17.5%. Rate and approval subject to creditworthiness. See application for full disclosure and details.

Woman in car Buying your first car is a major milestone

With a Future Focus Auto Loan you’ll save time and money. Our rates for used and new cars are usually much lower than what the dealer offers, and our auto advisor will make the car buying process hassle-free.

Future Focus First Car Loan Benefits

  • 1% reduction on your auto loan rate†
  • No credit history required
  • No down-payment required
  • Expert Auto Advisor to assist with the buying process – we’ll help you find the right car, secure a price below book value, and go with you to the dealership
  • Finance up to 100% of the vehicle value

To qualify, you must meet the Future Focus program general requirements listed above.


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†Minimum rate is the current lowest advertised rate, 2.24 % APR. Rates effective as of 1/11/2019. . Visit your local branch or call 800-527-1017 for current rates.

Couple standing outside new home. Does buying a home seem like a far-away dream?

That dream is much more affordable than you may think! The Future Focus Home Savings Plan provides a pathway to home ownership and rewards you with higher yields and a cash reward for planning ahead. 

Future Focus Home Savings Benefits 

  • Earn an additional 1% APY‡ on the money you save for the home purchase
  • When buying your first home, Central One will reward you with 1% of the mortgage amount back to cover closings costs!‡‡

Meaning, if your mortgage is for $180,000 then Central One will give you up to $1,800 to cover closing costs.

Mortgage Amount Reward Towards Closing Costs
$150,000 $1,500
$300,000 $3,000
$500,000 $5,000

To qualify for the reward, you must: 

  • Meet the Future Focus program general requirements listed above
  • Deposit $100 or more per month into the savings plan for 18 months prior to buying a home
  • Finance with an Adjustable Rate Mortgage from Central One Federal Credit Union

‡Annual Percentage Yield. Premium rate based upon Central One’s Regular Share Account plus 1%.
‡‡Central One will reward up to 1% of the mortgage amount or the total sum of closing costs, whichever is lesser, on ARM products only.

Savings and Money Market Accounts (Share and Maxi) Disclosure: Dividend rates are accurate as of the last dividend declaration date. All savings and money market accounts are considered variable rate accounts and rates are subject to change at any time without notice.  Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earning on the account .   Refer to Central One Federal Credit Union's  Truth-In-Savings Disclosure  and  Schedule of Fees.