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Rates and Fee Schedules

To view our rates, scroll down or select from the below list:


Consumer Fee Schedule

Business Fee Schedule




Deposit Rates

Checking Accounts



APY*

Checking Account (Share Draft) 0.05 % Learn More

Business Solutions Plus Interest Checking Account (Share Draft) 0.05 % Learn More
Rates effective as of 10/13/2017.


Savings and Money Market Accounts



APY*

Savings Account (Regular Share) 0.10 % Learn More

Oakie Super Savers Club Savings Account
0.10 % Learn More

Vacation Club Savings Account
0.10 % Learn More

Holiday Club Savings Account
0.10 % Learn More

Maxi Fund Money Market Account 0.15 % Learn More

Future Focus Home Savings 1.10 % Learn More

Traditional Roth IRA Share 0.10 % Learn More

Coverdell Education Savings Account (CESA) 0.10 % Learn More

Rates effective as of 1/4/2017.


Certificates (also available for IRAs)

Central Advantage Premium Certificate and IRA Rates

To be eligible for Central Advantage Premium Certificates, the member must be at least 18 years of age and have minimum monthly direct deposit of $1,000 into a Central Advantage Checking account.

Central Advantage Premium Certificates have a minimum balance requirement of $10,000.

Dividends are compounded monthly and the certificate auto renews at the end of the term.


Certificate Term Dividend Rate APY*

6 Month 1.391 % 1.40 % Learn More

1 Year 1.834 % 1.85 % Learn More

18 month 2.325 % 2.35 % Learn More

2 Year 2.374 % 2.40 % Learn More

30 Month 2.521 % 2.55 % Learn More

3 Year 2.55 % 2.60 % Learn More

5 Year 2.765 % 2.80 % Learn More


Future Investor Premium Certificate Rates

To be eligible for Future Investor Premium Certificates, the member must be 17 years of age or younger with a parent or guardian as a joint account owner.

Future Investor Premium Certificates have a minimum balance requirement of $100. Additional deposits can be made in increments of $100 or more.

Dividends are compounded monthly and the certificate auto renews at the end of the term.


Certificate Term Dividend Rate APY*

1 Year 1.834 % 1.85 % Learn More

2 Year 2.374 % 2.40 % Learn More


Regular Certificate and IRA Rates

All members are eligible for our Regular Certificate.

Regular Certificates have a minimum balance requirement of $1,000.

Dividends are compounded monthly and the certificate auto renews at the end of the term.


Certificate Term Dividend Rate APY*

6 Month 1.144 % 1.15 % Learn More

1 Year 1.588 % 1.60 % Learn More

18 Month 2.08 % 2.10 % Learn More

2 Year 2.129 % 2.15 % Learn More

30 Month 2.276 % 2.30 % Learn More

3 Year 2.325 % 2.35 % Learn More

5 Year 2.521 % 2.55 % Learn More

*APY = Annual Percentage Yield. 

Checking Account (Share Draft) Disclosure: Dividend rates are accurate as of the last dividend declaration date. All checking accounts are considered variable rate accounts and rates are subject to change at any time without notice. Fees or other conditions may reduce earning on the account .   Refer to Central One Federal Credit Union's  Member Account Agreement  and  Schedule of Fees.

Savings and Money Market Accounts (Share and Maxi) Disclosure: 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 earning on the account .   Refer to Central One Federal Credit Union's  Member Account Agreement  and  Schedule of Fees.

Certificate (Share Certificate) Disclosure: The annual percentage yield (APY) on all certificates assumes that dividends remain in the account until maturity. Regular Certificates have a $1,000.00 minimum. Central Advantage Premium Certificates have a $10,000.00 minimum. Future Investor Premium Certificates have a $100 minimum. 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.



Mortgage and Home Equity Rates

Adjustable Rate Mortgages


ARM Loan to Value Rate
APR
Est. Payment More
Information

10/5 ARM ≤ 75% 4.125 % 4.438 % Calculate
Expand

Additional Information


> 75% 4.375 % 4.684 % Calculate
Expand

Additional Information

5/1 ARM ≤ 75% 3.875 % 4.463 % Calculate
Expand

Additional Information


> 75% 4.125 % 4.708 % Calculate
Expand

Additional Information

3/3 ARM ≤ 75% 3.625 % 4.707 % Calculate
Expand

Additional Information


> 75% 3.875 % 4.952 % Calculate
Expand

Additional Information

1/1 ARM ≤ 75% 3.375 % 4.665 % Calculate
Expand

Additional Information


> 75% 3.625 % 4.912 % Calculate
Expand

Additional Information


Fixed Rate Mortgages


Fixed Term Points Rate
APR
Est. Payment

7 Year 0 3.625 % 3.668 % Calculate


1 3.500 % 3.838 % Calculate


2 3.375 % 4.010 % Calculate


No Closing Costs** 4.500 % 4.500 % Calculate

10 Year 0 3.875 % 3.906 % Calculate


1 3.750 % 3.993 % Calculate


2 3.625 % 4.083 % Calculate


No Closing Costs**
4.500 % 4.50 % Calculate

12 Year 0 3.875 % 3.901 % Calculate


1 3.750 % 3.579 % Calculate


2 3.625 % 4.013 % Calculate


No Closing Costs**
4.500 % 4.50 % Calculate

15 Year 0 4.000 % 4.022 % Calculate


1 3.875 % 4.044 % Calculate


2 3.750 % 4.068 % Calculate


No Closing Costs**
4.500 % 4.50 % Calculate

20 Year 0 4.375 % 4.392 % Calculate


1 4.250 % 4.384 % Calculate


2 4.125 % 4.376 % Calculate


No Closing Costs**
4.625 % 4.625 % Calculate

30 Year 0 4.500 % 4.513 % Calculate


1 4.375 % 4.473 % Calculate


2 4.250 % 4.433 % Calculate


No Closing Costs**
4.875 % 4.875 % Calculate

MyChoice Mortgage Refinance


Term APR as low as Est. Payment

7 years or less 3.990 % Calculate

7 to 12 years 4.240 % Calculate


Construction/Renovation Loan

Same as ARM rates. Contact Central One for details.


Home Equity Line of Credit (HELOC)

Variable rate starts as low as Prime minus 1% (floor rate is 3.25% APR).


Home Equity Loan


Term APR as low as More Information

Up to 5 years 3.875 % Up to 70% of tax assessment or 80% of appraised value
less first mortgage balance

Up to 10 years 4.375 % Up to 70% of tax assessment or 80% of appraised value
less first mortgage balance

Up to 15 years 5.125 % Up to 70% of tax assessment or 80% of appraised value
less first mortgage balance

Up to 20 years 5.375 % Up to 70% of tax assessment or 80% of appraised value
less first mortgage balance


Mobile Home (on leased land)


Term APR as low as

Up to 10 years 8.875 %


**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. C all a lending specialist at 800-527-1017 for more information. 

Adjustable Rate Mortgage (ARM) Disclosure: Jumbo mortgages add 0.375% to the stated rate. Rates are subject to change without notice. Rates listed include 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account. 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. C all a lending specialist at 800-527-1017 for more information. 

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. All loan programs, rates, terms and conditions are subject to change. C all a lending specialist at 800-527-1017 for more information. 

MyChoice Mortgage Refinance Disclosure: First position mortgage only. Property must be owner-occupied. Must have a 720 credit score or higher to qualify. Rates listed include 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account. Appraisal is needed for any loan to value over 70% of assessed, or any loan amount over $250,000, 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. C all a lending specialist at 800-527-1017 for more information. 

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. All loan programs, rates, terms and conditions are subject to change. C all a lending specialist at 800-527-1017 for more information. 

Home Equity Line of Credit (HELOC) Disclosure: Variable interest rate as low as Prime minus 1%. Floor rate is 3.25% APR. The Prime Rate is published by the Wall Street Journal; the current Prime rate can be found at the WSJ website.  Rate adjustment occurs once per year during month of account anniversary. Max APR is 17.5%. 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 80% of the appraised value of your home less first mortgage balance  or 70% of the tax-assessment value less first mortgage balance. 70% is the maximum loan-to-value on condominiums, less first mortgage balance. Only pay interest on the funds you borrow.  Minimum line amount of $7,500. Flexible payment terms of up to 30 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).  Any loan amount over $250,000 will require an appraisal. 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. Other restrictions may apply. All loan programs, rates, terms and conditions are subject to change. C all a lending specialist at 800-527-1017 for more information. 

Home Equity Loan Disclosure: Home Equity Loan rates listed include 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account. 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. C all a lending specialist at 800-527-1017 for more information.




Credit Cards


Card Credit Type APR as low as

Visa Diamond Good - Excellent 10.74 %

Visa Diamond Average 15.74 %

Visa Diamond Secured No Credit or Low Credit Contact a member support representative for more information

Visa Diamond Plus Cash Good - Excellent 12.99 %

Visa Diamond Plus Cash Average 17.50 %

Visa Diamond Plus Cash Secured No Credit or Low Credit Contact a member support representative for more information

Future Focus Good - Excellent 11.99 % introductory APR***

Future Focus No Credit / Low Credit / Average Credit 16.99 % introductory APR***

Rates effective as of 6/14/2018

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.

***Additional Disclosure for the Future Focus Credit Card: I ntroductory APR applies for two years for Visa Future Focus, based on creditworthiness. This APR will vary with the market based on the Prime Rate. We will assess whether you still qualify for the program after two years and after four years; and if so, the program rates will continue for two additional years. After six years, or if you no longer qualify under the program, your APR will change to the applicable existing rate under the Visa Diamond Plus Cash program (see Visa Diamond Plus Cash APR above).




Vehicle Loans



Term APR as low as Est. Payment

New Auto 24 - 72 months 1.74 % Calculate

Used Auto 24 - 72 months 1.74 % Calculate

Auto Refinance 24 - 72 months 1.74 % Calculate

Motor Vehicle Acquisition Program (MAP) 24 - 72 months 2.99 % Calculate

Motorcycle 24 - 72 months 4.875 % Calculate

RV & Boat 5 - 15 years 4.375 % Calculate

Rates effective as of 2/23/2018.

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 110% of the NADA retail value. Any vehicle with MSRP over $75,000.00 and a residual value of over $20,000.00 will have a surcharge added to the loan. Stated rate assumes term of 24 months. Stated rate includes a 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account.  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.  

Auto Refinance Disclosure: Not available for existing Central One auto loans. Stated rate assumes term of 24 months. Any vehicle with MSRP over $75,000 and a residual value of over 20K will have a surcharge added to the loan. Actual rate will be determined based on credit history, term, loan to value, and other factors. Stated rate includes a 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account.

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 includes a 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account. 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 80% of the NADA retail value on Boat/RV loans. Stated rate includes a 0.25% discount for Direct Deposit and Electronic Loan Payment when the payment is taken from a Central One account. 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. 




Personal Loans


Term APR as low as Est. Payment

Signature Personal Loan 8.375 % Calculate

Secured Loan Share APR + 3.00 % Calculate

Personal Access Line of Credit (PAL) Prime + 4.00 %
(floor rate is 9.99%)
Calculate
Rates effective as of 6/14/2018.



Student Loans


Term APR as low as Est. Payment

Student Choice 7.25 % Calculate

Central One Student Loan 9.375 % Calculate
Rates effective as of 6/14/2018.


Consumer Fee Schedule (as of 12/1/2017)


Account Inactivity Fee (After 15 Months of Inactivity) $5.00 / Month

Account Reactivation Fee $25.00

ACH Origination (Staff Assisted) $10.00

ACH Return/Rejection Reversal $25.00

ATM Withdrawal (Over 12 Per Month)
$1.00

Bank/Cashiers Check
$2.00

Check Copies


First Copy
FREE

After First Check
$25/hr research fee (min. 1 hr.)

Check Printing
Pricing varies by style

Courtesy Pay (ATM & POS)


Transactions $20.00 & Under
$5.00

Transactions $20.01 to $100.00
$20.00

Transactions $100.01 and Greater
$30.00

Courtesy Pay (Check & ACH) $30.00

Dormant Account Activity Fee
up to $50.00

Expediated Bill Pay $8.00

Foreign Check Collection Fee
$25.00

Foreign Returned Check Fee
$25.00

Loan Late Fee (After 15 Days)
$5.00

Maxi Account Withdrawal/Transfer

Each Withdrawal/Transfer (Over 3 Per Month)
$10.00

Negative Balance Fee
$25.00

Non-Sufficent Funds (NSF)

Each Withdrawal
$30.00

Redeposited or Returned Item
$8.00

Online Funds Transfer
FREE

Overdraft Transfer (Per Check) $5.00

Overnight Bill Pay
$30.00

Replacement Debit or Credit Card
$10.00

Research Fee (Minimum 1 Hour)
$25.00 / Hour

Safe Deposit Boxes (Available in all full-service branches):

3x5
$30.00 / Year

3x10
$55.00 / Year

5x5
$45.00 / Year

5x10
$80.00 / Year

10x10
$140.00 / Year

Paper Billing Fee
$25.00

Late Fee (after 30 days)
$25.00

Statement Copy $2.50

Stop Payment (Draft or ACH)
$25.00

Trustee Transfer Fee
$25.00

Visa Gift Card
$3.95

Visa Gift Card (Replacement) $5.00

Wire Transfers

Incoming
$5.00

Outgoing Domestic
$25.00

Outgoing International
$40.00

Recalling & Resending International
$40.00

Recalling without Resending International
$25.00





Business Fee Schedule

Business Solutions Fee Schedule (as of 12/1/2017)

Monthly Fee None

Balance Requirement None

Checks Paid 100 free then $0.30/Check

Interest Paid No

Check Images No

Business Solutions Plus Interest Fee Schedule (as of 12/1/2017)

Monthly Fee $25 if average daily balance falls below $50,000

Balance Requirement $50,000

Checks Paid 250 Free, then $0.30/Check

Interest Paid Yes

Check Images Yes


Business Fee Schedule (as of 12/1/2017)

Account Inactivity Fee (After 15 Months of Inactivity) $5.00/Mo

Account Reactivation Fee $25.00

ACH Origination (Staff Assisted) $10.00

ACH Return/Rejection Reversal $25.00

ATM Withdrawal (Over 12 Per Month)
$1.00

Bank/Cashiers Check $2.00

Check Copies
First copy free

After First Check
$25/hr research fee (min. 1hr)

Check Printing
Pricing varies by style

Courtesy Pay (ATM & POS)


Transactions $20.00 & Under
$5.00

Transactions $20.01 to $100.00
$20.00

Transactions $100.01 and Greater
$30.00

Courtesy Pay (Check & ACH)
$30

Currency Change Order


Same Day
$10.00

One Day Notice (Under $500)
FREE

One Day Notice (Over $500)
$5.00

Disposable Night Deposit Bags $25.00/100 bags

Dormant Account Activity Fee up to $50.00

Expedited Bill Pay $8.00

Foreign Check Collection Fee
$25.00

Foreign Returned Check Fee
$25.00

Loan Late Fee (After 15 Days) $5.00

Maxi Account Withdrawal/Transfer


Each Withdrawal/Transfer (Over 3 Per Month)
$10.00

Negative Balance Fee $25.00

Non-Sufficient Funds (NSF)


Each Withdrawal
$30.00

Redeposited or Returned item
$8.00

Online Funds Transfer FREE

Overnight Bill Pay
$30.00

Overdraft Transfer (Per Check)
$10.00

Replacement Debit or Credit Card
$10.00

Research Fee (Minimum 1 Hour)
$25.00/Hour

Safe Deposit Boxes (Available in all full-service branches):


3x5
$30.00 / Year

3x10
$55.00 / Year

5x5
$45.00 / Year

5x10
$80.00 / Year

10x10
$140.00 / Year

Paper Billing Fee
$25.00

Late Fee (after 30 days)
$25.00

Statement Copy
$2.50

Stop payment (Draft, Bill Pay, or ACH)
$25.00

Visa Gift Card
$3.95

Visa Gift Card Replacement
$5.00

Wire Transfers

Incoming
$5.00

Outgoing Domestic
$25.00

Outgoing International
$40.00

Recalling & Resending International
$40.00

Recalling Without Resending International
$25.00