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Frequently Asked Questions

General FAQs

  • Anyone who lives, works, worships, or attends school in one of the towns we serve is eligible.

  • You can apply online or visit any branch to open an account and become a member.

  • No, there is no fee to join. A $5 Owner Voting Share is required to open for membership.

  • Yes! Immediate family members of eligible individuals can also become members.

  • When you open an account, we will ask for your legal name, residential address, social security number, phone number, and date of birth. We may also ask for your driver’s license or other identifying documents.

  • We offer Premium Checking, Regular Checking, and Student Checking, all with no monthly fees.

  • Yes! Our Premium Checking account lets you earn cash back on debit card purchases and offers ATM fee reimbursements.

  • No minimum balance is required for Regular Checking. Premium Checking requires $1,500/month in direct deposit to be eligible for rewards.

  • Absolutely. You can open any of our checking accounts online in just a few steps.

  • Yes, we offer several overdraft protection options including PALs, automatic transfers, and Courtesy Pay.

  • Yes. Our contactless debit cards are compatible with Apple Pay, Google Pay, and Samsung Pay.

  • You have access to over 55,000 fee-free ATMs nationwide through the SUM and AllPoint networks.

  • Yes. You can bank at over 5,000 CO-OP shared branches across the country.

  • Yes. We offer competitive auto loans, credit cards, personal loans, mortgages and home equity lines of credit with competitive rates.

  • Our Financial Wellness Center includes budgeting tools, spending trackers, and financial educational resources.

  • Yes. All deposits are federally insured by the NCUA up to $250,000.

Contact FAQs

  • If your debit or credit card is lost or stolen, it’s important to act quickly to protect your account.

    • 24/7 Card Support: Call 1-866-692-9327 immediately. This line is available any time, day or night, to help you block your card and prevent unauthorized transactions.
    • During Business Hours: You can also reach our Member Support Center at 800-527-1017 for additional assistance.
    • What to Expect: Our team will help you secure your account, issue a replacement card, and guide you through the next steps.

    💡 Tip: Central One will never ask for your PIN or online banking credentials when you call.

  •  

    The quickest way to connect with Central One Federal Credit Union is by calling our Member Support Center at 800-527-1017.

    • Hours of Operation:
      • Mon–Fri: 8:00 AM–6:00 PM
      • Sat: 8:30 AM–1:00 PM
    • Other contact options
      • Chat here
      • Email us at Member Support <member_support@centralfcu.com>
      • Book a virtual appointment here

    💡 Tip: Outside these hours, you can still manage your accounts anytime using Online Banking or our Mobile App.

     

  • Yes! Central One offers Virtual Appointments and Chat Now options for your convenience:

    • Book online via our [Virtual Appointment page].
    • Connect with a representative from home, work, or anywhere in Central Massachusetts.
    • Use Chat Now on our website for quick answers during normal business hours.

    💡 Benefits: Flexible scheduling, secure video calls, and personalized service without needing to travel.

     

  • Our Resource Center is designed to give members quick, secure, and convenient access to self-service tools without needing to call or visit a branch.

    • FAQs & Guides: Step-by-step instructions for common tasks like resetting your password, setting up alerts, or enrolling in eStatements.
    • Security Tools: Learn how to protect your account with card alerts, fraud monitoring, and secure login options.

    💡 Tip: The Resource Center is available 24/7, making it the fastest way to handle routine banking needs in Central Massachusetts.

     

  • What can I do 24/7 with Online and Mobile Banking at Central One FCU?

    Our Online Banking and Mobile App give you secure, anytime access to your accounts, so you can manage your finances anywhere in Central Massachusetts or beyond.

    With Online and Mobile Banking, you can:

    • 📊 Check balances and transaction history instantly
    • 💸 Transfer funds between accounts or to other members
    • 🧾 Pay bills with Bill Pay and schedule recurring payments
    • 📱 Deposit checks using Mobile Deposit with your smartphone camera
    • 📂 Access eStatements and tax documents securely online
    • 🏦 Apply for loans or open new accounts directly from the app or online portal
    • 🌍 Locate nearby ATMs and branches in Central Massachusetts

    💡 Tip: For routine banking needs, Online and Mobile Banking are often faster than calling or visiting a branch. If you need help getting started, visit our Resource Center for step-by-step guides or schedule a Virtual Appointment with a representative.

Checking FAQs

  • Central One’s Premium Checking account stands apart from other banks in Massachusetts because it’s built to reward you without the hidden costs. You’ll earn cash back on debit card purchases, enjoy early access to direct deposits, and receive ATM fee reimbursements nationwide—all with no monthly fees. Opening is simple: just set up a direct deposit of at least $1,500 per month. Unlike big banks, we’re a local credit union, so you get modern digital banking tools backed by the personal service of neighbors who live and work in your community.

  • Members enjoy perks like mortgage discounts, financial wellness tools, and savings through Love My Credit Union Rewards.

  • We offer two of them! Whether you want cash back or simplicity, our Premium and Regular Checking accounts are built for Central MA residents who want more from their money.

  • To open a Checking account with Central One, you’ll need to become a member and meet a few simple requirements. All you need is:

    • A valid form of identification (such as a driver’s license or state ID)
    • Proof of eligibility for membership (living, working, or attending school in our towns in Central Massachusetts, or having a family connection)
    • For Premium Checking, a direct deposit of at least $1,500 per month is required to unlock added benefits like cash back, early access to deposits, and ATM fee reimbursements

     

  • Central One is an award-winning credit union with cash-back rewards, early direct deposit, and fee-free ATM access, Central One stands out for its member-first approach and competitive account features. We believe banking should be built around you. If you’re looking for the best free checking account in Central Massachusetts, you’ve found it.

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Rates

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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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Holiday Hours: We'll be closing at 3 PM on New Year’s Eve. We will be closed on New Year's Day.