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Senior Sense Accounts

You may qualify for exclusive benefits from Central One!

Are you at least 60 years of age, retired and receiving Social Security or a Pension? If you answered yes to these questions, you may qualify for the Senior Sense Program from Central One Federal Credit Union.

Senior Sense account holders receive:

  • Premium certificate rates*, currently as high as 2.10 % APY**
  • No-Fee Travelers Checks (first $1,000)
  • Discounted safe deposit box (half-price for the first year)
  • Free box of safety-paper checks annually
  • No minimum balance requirement
  • No monthly maintenance fees

To find out if you qualify and to learn more about Senior Sense Checking and Senior Sense Certificate accounts, visit your local Central One branch or call our member support center at 800-527-1017.


Senior Sense Premium Certificate Rate

Certificate Term Dividend Rate APY**
6 Month 0.747% 0.75%
12 Month 0.946% 0.95%
24 Month 1.342% 1.35%
36 Month 1.588% 1.60%
60 Month 2.08% 2.10%



*Certificate Requirements: In addition to maintaining all other membership and Senior Sense account requirements, Primary account owner must maintain a minimum certificate balance of $10,000. Certificates assume that dividends remain in the account until maturity. All certificate rates are fixed for the length of the term. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits or may require the waiver of the early withdrawal penalty. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan.

**Annual Percentage Yield.