Savings - Get Customized Savings for Your Needs

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Achieve your savings goals
Regular Share Savings

Our most-popular savings product. Regular Share Savings is a simple savings product to help your money grow. No minimums, no annual fee, just simple savings.


  • Earn a competitive interest rate
  • Dividends compound quarterly
  • Access to funds through online banking, mobile banking 1 and telephone banking

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Oakie Super Saver Club

Designed for children under 12 years old, the Oakie Super Savers Club is a great way to teach your child about saving.


  • Receive the Tree Top Times newsletter with educational content and fun ideas
  • Personalized birthday card from Oakie the Squirrel
  • Earn a competitive interest rate
  • Dividends compound quarterly


  • Available for children under the age of 12
  • Parent or guardian as a joint owner on the account

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Future Focus Home Savings Plan

Future Focus

Does buying a home seem like a far-away dream? That dream is 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.

Learn more about the Future Focus program and discounts on your first credit card and first auto loan.


  • Earn an additional 1% APY‡ on the money you save for the home purchase 
  • Reduced mortgage rates** for First Time Home Buyers (primary residence purchases)
  • $500 Home Depot gift card to First Time Home Buyers (after closing)
  • When buying your first home, Central One will reward you with up to 1% of the mortgage amount back to cover closings costs!‡‡ 
For example, if your mortgage is for $180,000 then Central One will give you up to $1,800 to cover closing costs.

See how much you can get back on your closing costs

Mortgage Balance: $150,000

Closing cost cash back reward: $1,500


  • Deposit $100 or more per month into the savings plan for 18 months prior to buying a home
  • Qualify as a first time home buyer
  • Finance with a Mortgage from Central One Federal Credit Union
  • Meet the general Future Focus Program requirements (listed below)

Future Focus Program Requirements

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

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Club Savings Accounts



Don't let the holidays or vacation time stress you out. By saving now you can enjoy time with your family instead of worrying about finances.

1 While Central One does not charge for mobile banking, your mobile carrier’s message and data rates may apply. 

Minimum deposit of $5 in Owner Voting Share account required.

‡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 Central One products only. Not available on 15/5 ARM product.

* National average Annual Percentage Yield (APY). On money market account as published in the FDIC Weekly National Rates and Rate Caps, accurate as of 4/12/19.

** Mortgage Rate Reduction and Jumbo Fixed Rates Requirements: In addition to maintaining Central One membership requirements, mortgage must be on primary residence purchase only. All loan programs, rates, terms and conditions are subject to change. Loan approval and actual rate will be determined based on credit history, term, loan to value, and other factors. Please contact a Lending Specialist at 800-527-1017 for additional information. 

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  Member Account Agreement and Schedule of Fees.