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Plan, save, and achieve.

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Loan Calculators

 

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Business Calculators

 

 

Calculator FAQs

  • We pair the convenience of online tools with local expertise. After using a calculator, you can meet with a team member who understands the financial landscape of Worcester, Middlesex, and Norfolk counties.

  • Yes. We provide personal loans that can be used for debt consolidation, home improvements, or unexpected expenses. Use our loan calculator to see how different terms affect your monthly payment.

  • Our mortgage calculator helps you estimate monthly payments and affordability. For exact numbers, our lending team can walk you through current Massachusetts mortgage rates and local programs.

  • Definitely. We serve over 100 towns across Central Massachusetts, so you can use the calculators online and then visit a nearby branch for personalized support.

    Find a location now.

  • At Central One Federal Credit Union, we believe the right tools make all the difference in your financial journey. That’s why we offer a full suite of free financial calculators and financial education tools designed to help members across Worcester, Middlesex, and Norfolk counties make smarter decisions about loans, savings, and everyday money management.

    Read our article Central One’s financial calculators help you make smart choices

Savings Goal Calculator

Certificate (CD) Calculator

Roth vs. Traditional IRA Calculator

Car Lease vs. Buy Calculator

Car Affordability Calculator

Auto Loan Calculator

Auto Refinance Calculator

Personal Loan Calculator

Mortgage Calculator

HELOC Calculator

Student Loan Refinance Calculator

Home Refinance Calculator

Home Rent vs Buy Calculator

Mortgage Payoff Calculator

Loan Comparison Calculator

How Long Will It Take To Payoff My Loan

Income Required for a Mortgage

Credit Card Balance Transfer Calculator

Credit Card Pay-off Calculator

Commercial Loan Calculator

Savings Rates

Savings and Money Market Accounts

Rates effective as of: December 27, 2025

APY-Annual Percentage Yield Rates subject to change after account opening.
Fees may reduce earnings on the account Savings and Money Market Accounts (Savings and Maxi)
Refer to Central One Federal Credit Union's Member Service Agreement and Our Rates and Service Charges Disclosure

Youth Savings Accounts

APY-Annual Percentage Yield Rates subject to change after account opening.
Minimum balance to open account $100.00 Minimum balance to earn APY $100.00.
Fees may reduce earnings on the accounts.

Important Information: 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 earnings on the account. Dividends are compounded monthly, and the certificate auto renews at the end of the term.

Requirements
Boost Certificates, if the member is 17 years of age or younger, a parent or guardian must be a joint account owner.

Additional Information
Additional deposits can be made in increments of $100 or more to a maximum of 10,000 total per certificate. One boost certificate per member.

Refer to Central One Federal Credit Union's Member Service Agreement and Our Rates and Service Charges Disclosure

Premium Certificate and IRA Rates

Rates effective as of: December 27, 2025

APY - Annual percentage yield
$10,000 Minimum to open. $10,000 minimum to earn APY. Limited time promotion. Additional terms and conditions apply. Must open and maintain a Premium Checking account. Subject to early withdrawal penalties. Fees may reduce earnings.

Certificate Important Information:
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. Certificate auto renews at the end of the term. If the term of your certificate is not available at the time of renewal, your certificate will renew at the next longest term available. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan.

Refer to Central One Federal Credit Union's Member Service Agreement and Our Rates and Service Charges Disclosure

Boost Certificate Rates

Rates effective as of: December 27, 2025

APY - Annual percentage yield
$100 Minimum to open. $100 minimum to earn APY. Limited time promotion. Additional terms and conditions apply.
Subject to early withdrawal penalties. Fees may reduce earnings.
Additional deposits can be made in increments of $100 or more, up to $10,000.

Certificate Important Information:
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. Certificate auto renews at the end of the term. If the term of your certificate is not available at the time of renewal, your certificate will renew at the next longest term available. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan.

Refer to Central One Federal Credit Union's Member Service Agreement and Our Rates and Service Charges Disclosure

Regular Certificate and IRA Rates

Rates effective as of: December 27, 2025

APY - Annual percentage yield
$500 Minimum to open. $500 minimum to earn APY. Limited time promotion. Additional terms and conditions apply. Subject to early withdrawal penalties. Fees may reduce earnings.

Certificate Important Information:
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. Certificate auto renews at the end of the term. If the term of your certificate is not available at the time of renewal, your certificate will renew at the next longest term available. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan.

Refer to Central One Federal Credit Union's Member Service Agreement and Our Rates and Service Charges Disclosure

Credit Card Rates

Credit Cards

Rates effective as of: December 27, 2025

Rates are subject to change. APR: Annual Percentage Rate

Credit Card Disclosure: Rate and approval subject to creditworthiness. APRs are variable, adjust with Prime, and are capped at 17.5%. See application for full details.

Cash Rewards Additional Disclosure: Earn cash rewards of 1% on all new net purchases (qualifying purchases less credits, returns, and adjustments) charged to the card each billing cycle. Balance Transfers, Cash Advances, including purchases of money orders or other cash equivalents, purchases made by or for a business purpose, fees, interest charges, unauthorized/fraudulent transactions and certain other charges do not earn cash rewards. Cash rewards cannot be redeemed if your account is not in good standing and will be forfeited upon account closure. Cash rewards shall be automatically paid quarterly on or around the credit card cycle date in February, May, August and November according to the account hierarchy checking, savings or credit card principal balance. Cash rewards may be requested off-cycle on an exception-only basis, but the rewards balance must be $25 or greater and a $10 redemption fee will be imposed. Cash rewards may not be combined with other discount or reward programs, unless specifically authorized by Central One Federal Credit Union. Other significant terms apply. Program subject to change and may be canceled at any time without notice. For more information, visit www.centralfcu.com or call 1-800-527-1017.

Loan Rates

Personal Loans

Rates effective as of: December 27, 2025

Rates are as of 3-25-25. Rates are subject to change at any time.

Personal Signature Loan and Personal Access Line of Credit-*Annual Percentage Rate (APR) based on creditworthiness, term and other factors.

Secured Loan -*110% of the loan amount will be held as collateral on Savings/Certificate Secured Loans.

Student Loans

Rates effective as of: December 27, 2025

Rates are subject to change. APR: Annual Percentage Rate

Auto Loan Rates

Vehicle Loans

Rates effective as of: December 27, 2025

Rates are subject to change. APR: Annual Percentage Rate

New and Used Auto Loan Disclosure: Copy of purchase and sale agreement required. Rate may be adjusted for vehicle age or high mileage vehicles. Qualified borrowers with A+ or A credit may borrow up to 120% of the NADA retail value. Stated rate assumes term of 24 months and LTV under 75%,. Actual rate will be determined based on credit history, term, loan to value, and other factors.

Auto Refinance Disclosure: Stated rate assumes term of 24 months and LTV under 75%,. 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.

MAP Disclosure: Any vehicle with MSRP over $75,000.00 and a residual value of $20,000.00 or more will have a surcharge added to the loan.

Stated rate assumes term of 24 months and LTV under 75%. 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.

Motorcycle Disclosure: Copy of purchase and sale agreement required. Rate may be adjusted for vehicle age or high mileage vehicles. Qualified borrowers with A+ or A credit may borrow up to 100% of the NADA retail value on motorcycle loans. Stated rate assumes LTV under 65%. 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.

RV and Boat Disclosure: Copy of purchase and sale agreement required. Rate may be adjusted for vehicle age or high mileage vehicles. Qualified borrowers with A+ or A credit may borrow up to 100% of the NADA retail value on Boat/RV loans. Stated rate assumes LTV under 65%,. 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.

Mortgage Loan Rates

Adjustable Rate Mortgages

Rates effective as of: December 27, 2025

Rates are subject to change. APR-Annual Percentage Rate Adjustable-Rate Mortgage (ARM) Disclosure: Actual rate will be determined based on credit history, term, loan to value and other factors.

* 15/5 ARM available for first time home buyers only.

Fixed Rate Mortgages

Rates effective as of: December 27, 2025

Rates are subject to change. APR-Annual Percentage Rate Fixed Rate Mortgage Disclosure: Published rates are based on purchase transactions with 25% down. Actual rate will be determined based on credit history, term, loan to value and other factors. Other restrictions may apply. All loan programs, rates, terms and conditions are subject to change.

VA Loans

Rates effective as of: December 27, 2025

Rates are subject to change. APR=Annual Percentage Rate

Home Equity Loan

Rates effective as of: December 27, 2025

Rates are subject to change. APR: Annual Percentage Rate Home Equity Loan Disclosure: Central One pays closing costs for properties within Worcester County, except appraisal and title search (if required). Appraisal required if LTV of the new loan is greater than 70% of Tax Assessment Value or 80% based on an appraisal. If you live outside of Worcester County, additional Appraisal Fees and Title Search Fees may apply. Actual rate will be determined based on credit history, term, loan to value and other factors. Property and flood insurance may be required. Other restrictions may apply. All loan programs, rates, terms and conditions are subject to change. *If collateral is an investment property, rates are 1% higher than owner occupied rates listed above.

100% Loan to Value Home Equity Loan

Rates effective as of: December 27, 2025

Rates are subject to change. APR: Annual Percentage Rate 100% Home Equity Loan Disclosure: Actual rate will be determined based on credit history, term, loan to value and other factors. Home must be owner-occupied or second home. Borrow up to 100% of the appraised value of your home less first mortgage balance or 100% of the tax-assessment value less first mortgage balance. Only pay interest on the funds you borrow. Minimum loan amount of $7,500. Flexible payment terms of up to 20 years. Interest may be tax deductible (consult your tax advisor). No closing costs for properties within Worcester County with loans of $250,000 or less (except appraisal and title search if required). Title search fees may apply for properties outside of Worcester County or properties obtained through a foreclosure deed. Property and flood insurance may be required. Minimum credit score of 660. *If collateral is an investment property, rates are 1% higher than owner occupied rates listed above.

MyChoice Mortgage Refinance

Rates effective as of: December 27, 2025

Rates are subject to change. APR: Annual Percentage Rate MyChoice Mortgage Refinance Disclosure: First position mortgage only. Property must be owner-occupied. Appraisal is needed for any loan to value over 70% of assessed, or any loan amount over $400,000, max loan to value is 80% of appraised value. If you live outside of Worcester County, additional Appraisal and Title Search Fees may apply. Actual rate will be determined based on credit history, term, loan to value and other factors. Other restrictions may apply. All loan programs, rates, terms and conditions are subject to change.

Mobile Home (on leased land)

Rates effective as of: December 27, 2025

Rats are subject to change. APR: Annual Percentage Rate. All loan programs, rates, terms and conditions are subject to change. **No Closing Cost program has a minimum loan amount of $125,000. Available on owner-occupied homes only. Other restrictions may apply. All loan programs, rates, terms and conditions are subject to change.

Adjustable-Rate Mortgage (ARM) Disclosure: Jumbo mortgages add 0.375% to the stated rate. Rates are subject to change without notice. Actual rate will be determined based on credit history, term, loan to value and other factors. Other restrictions may apply.

Fixed Rate Mortgage Disclosure: Published rates are based on purchase transactions with 25% down and a credit score of 740. Jumbo mortgages add 0.375% to the stated rate. Rates are subject to change without notice. Actual rate will be determined based on credit history, term, loan to value and other factors. Other restrictions may apply.

MyChoice Mortgage Refinance Disclosure: First position mortgage only. Property must be owner-occupied. Must have a 720 credit score or higher to qualify. Appraisal is needed for any loan to value over 70% of assessed, or any loan amount over $400,000, max loan to value is 80% of appraised value. If you live outside of Worcester County, additional Appraisal and Title Search Fees may apply. Actual rate will be determined based on credit history, term, loan to value and other factors. Other restrictions may apply.

Construction/Renovation Disclosure: Loan limits apply: Single Family Home = $417,000; 2 Family Home = $533,850; 3 Family Home = $645,300; 4 Family Home = $801,950. Actual rate will be determined based on credit history, term, loan to value and other factors. Other restrictions may apply.

Deeds: Deeds with life estates are not eligible for financing. Foreclosure deeds may incur additional costs.

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Adjustable Rate Mortgages

  • 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. 

    Begin the Application Process Check Rates

  • 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. 

     

    Begin the Application Process Check Rates

  • 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. 

     

    Begin the Application Process Check Rates

  • 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.

     

    Begin the Application Process Check Rates

  • 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.

     

    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.

     

    Begin the Application Process Check Rates

  • 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.

     

    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.

     

    Begin the Application Process Check Rates

  • 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.

     

    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.

     

    Begin the Application Process Check Rates

  • 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.

     

    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.

     

    Begin the Application Process Check Rates

  • 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.

     

    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.

     

    Begin the Application Process Check Rates

  • 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.

     

    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.

     

    Begin the Application Process Check Rates

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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