Refer. Reward. Repeat.
Open a Central One Regular, Premium, or Student Checking Account with a $100 minimum deposit and a debit card, and get $50! Plus, the member who refers you gets $50 too.
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1
Become a member
Open a $5 membership account
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2
Open an account
Open a checking account with a $100 minimum deposit and a debit card
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3
Get rewarded!
Get $50 for joining the Central One family!
Ready to join? We’re ready for you.
If you live, work, worship, or go to school in one of the towns we serve, you’re eligible to open an account. Remember to include the name of the member who referred you on your application!
Open online
Open nowIt’s quick and easy for you to join with our online application!
Please note, Student Checking Accounts can only be opened in-branch.
Open over the phone
Call us nowCall us to open your account with a Member Support Center representative.
Discover why our members rave about us
Our commitment to unparalleled service is our passion. Our members consistently rate their experience with us as exceptional, giving us an Average Customer Rating of 4.9 out of 5*.
Awards
2025 Best of Central Mass
Voted Best Locally Owned Business in Central Massachusetts
2025 Best of Central Mass
Voted Best Employer in Central Massachusetts
2025 Best of Central Mass
Voted one of the top 3 credit unions in Central Massachusetts 6 years in a row
2025 American Banker
Named in the top 10 Best Credit Unions to Work For in 2025 by American Banker
2025 Savings Excellence Award
America Saves Week Designation of Savings Excellence Award Winner 2025
Boston Globe Best Credit Union to Work For
Top places to work
2025 Veteran Savings Excellence Award
Veteran Saves Week 2025 Designation of Savings Excellence (DOSE) Award
Feefo
Platinum Trusted Service Award by Feefo Reviews
Top Lender Banker and Tradesman
Named a Top Lender by Banker & Tradesman 4 years in a row
Get rewarded for banking better
Open your new Central One account in-branch, over the phone by calling (800) 527-1017, or online.
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Referring members must be current account holders in good standing and have a valid email address. The maximum amount earned per calendar year is $500. Only one referral can be submitted by a prospective new member. $50 will be deposited into your savings or checking account within 45 days of account opening for each qualified referred member. New member account must be opened by 6/30/26. New referred members must not have had a Central One membership within the last 6 months, meet membership eligibility requirements, and if 18 or older open either a Premium or Regular Checking account with minimum deposit of $100 and a debit card or if 13-17 years old open a Student Checking account in-branch only with minimum deposit of $100 and debit card. A $5 OVS membership deposit is required. Central One employees are not eligible. $50 will be deposited to your new member (or referred member) account within 45 days of opening.
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Open Account
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Adjustable Rate Mortgages
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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.Â
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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.Â
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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.Â
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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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