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Calculators

Our calculators simplify your finances, giving you clear answers.

Plan, save, and achieve.

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Savings Calculators

 

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Credit Card Calculators

 

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Loan Calculators

 

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Auto 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: March 8, 2026

*APY-Annual Percentage Yield Rates subject to change after account opening.
Fees may reduce earnings
Terms

Youth Savings Accounts

Rates effective as of: March 8, 2026

APY-Annual Percentage Yield
APY accurate as of the date listed above
Fees may reduce earnings on the accounts

Stash Savings
Variable rate account
Minimum balance to earn APY $0.00

Boost Certificates
Minimum balance to open account $100.00 Minimum balance to earn APY $100.00. Penalty may be imposed for early withdrawal. 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. If the member is 17 years of age or younger, a parent or guardian must be a joint account owner. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Dividends are compounded monthly, and the certificate auto renews at the end of the term.

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: March 8, 2026

*APY - Annual Percentage Yield
Fees may reduce earnings
Subject to early withdrawal penalties
Terms

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: March 8, 2026

*APY - Annual Percentage Yield
Fees may reduce earnings
Subject to early withdrawal penalties
Additional deposits can be made in increments of $100 or more, up to $10,000.
Terms

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: March 8, 2026

*APY - Annual Percentage Yield
Fees may reduce earnings
Subject to early withdrawal penalties
Terms

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: March 8, 2026

Rates are subject to change.
*APR: Annual Percentage Rate, APR is variable

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: March 8, 2026

*APR Annual percentage rate

Personal Signature Loan and Personal Access Line of Credit-*Annual Percentage Rate (APR) based on creditworthiness, term and other factors. Rates are subject to change at any time.

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

Student Loans

Rates effective as of: March 8, 2026

*APR: Annual Percentage Rate Rates are subject to change.

Auto Loan Rates

Vehicle Loans

Rates effective as of: March 8, 2026

Rates are subject to change.
APR: Annual Percentage Rate

Mortgage Loan Rates

Adjustable Rate Mortgages

Rates are subject to change.
*APR-Annual Percentage Rate
Adjustable rates are variable
Adjustable-Rate Mortgage (ARM) Disclosure: Actual rate will be determined based on credit history, term, loan to value and other factors.
** 15/5 ARM (adjustable-rate mortgage) available for first time home buyers only with terms available up to 40 years.

Fixed Rate Mortgages

Rates effective as of: March 8, 2026

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: March 8, 2026

Rates are subject to change.
*APR=Annual Percentage Rate

Home Equity Loan

Rates effective as of: March 8, 2026

APR: Annual Percentage Rate
Rates 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: March 8, 2026

*APR: Annual Percentage Rate
Rates are subject to change.

MyChoice Mortgage Refinance

Rates effective as of: March 8, 2026

*APR: Annual Percentage Rate
Rates are subject to change.

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: March 8, 2026

*APR: Annual Percentage Rate.
All loan programs, rates, terms and conditions are subject to change.

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Ice Cream Day Dates

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Food Truck Dates

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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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Join us for a free First Time Home Buyer's Seminar on March 14th at 10 AM at our Auburn Member Support Building (41 Southbridge Street)! Reserve your spot