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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 3/21/2017.


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)

Senior Sense Premium Certificate and IRA Rates

To be eligible for Senior Sense Premium Certificates, the member must be retired, at least 60 years of age and have direct deposit of Social Security or a Pension into a Central One Checking account.

Senior Sense 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 0.847 % 0.85 % Learn More
12 Month 1.045 % 1.05 % Learn More
24 Month 1.44 % 1.45 % Learn More
36 Month 1.687 % 1.70 % Learn More
60 Month 2.227 % 2.25 % 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*
12 Month 1.045 % 1.05 % Learn More
24 Month 1.44 % 1.45 % 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 0.598 % 0.60 % Learn More
12 Month 0.797 % 0.80 % Learn More
24 Month 1.193 % 1.20 % Learn More
36 Month 1.44 % 1.45 % Learn More
60 Month 1.982 % 2.00 % Learn More


Rates effective as of 3/21/2017.

*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  Truth-In-Savings Disclosure  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  Truth-In-Savings Disclosure  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. Senior Sense 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% 3.500 % 3.628 % Calculate
Additional Information
> 75% 3.750 % 3.876 % Calculate
Additional Information
5/1 ARM ≤ 75% 3.250 % 3.281 % Calculate
Additional Information
> 75% 3.500 % 3.530 % Calculate
Additional Information
3/3 ARM ≤ 75% 3.000 % 3.516 % Calculate
Additional Information
> 75% 3.250 % 3.763 % Calculate
Additional Information
1/1 ARM ≤ 75% 2.750 % 3.241 % Calculate
Additional Information
> 75% 3.000 % 3.489 % Calculate
Additional Information


Fixed Rate Mortgages

Fixed Term Points Rate
APR
Est. Payment
7 Year 0 2.625 % 2.667 % Calculate
1 2.500 % 2.833 % Calculate
2 2.375 % 3.002 % Calculate
No Closing Costs** 3.625 % 3.625 % Calculate
10 Year 0 2.875 % 2.096 % Calculate
1 2.750 % 2.989 % Calculate
2 2.625 % 3.074 % Calculate
No Closing Costs**
3.875 % 3.875 % Calculate
12 Year 0 2.875 % 2.901 % Calculate
1 2.750 % 2.952 % Calculate
2 2.625 % 3.004 % Calculate
No Closing Costs**
3.875 % 3.875 % Calculate
15 Year 0 3.125 % 3.146 % Calculate
1 3.000 % 3.165 % Calculate
2 2.875 % 3.185 % Calculate
No Closing Costs**
4.125 % 4.125 % Calculate
20 Year 0 3.625 % 3.642 % Calculate
1 3.500 % 3.63 % Calculate
2 3.375 % 3.619 % Calculate
No Closing Costs**
4.500 % 4.50 % Calculate
30 Year 0 3.875 % 3.887 % Calculate
1 3.750 % 3.844 % Calculate
2 3.625 % 3.801 % Calculate
No Closing Costs**
4.625 % 4.625 % Calculate

MyChoice Mortgage Refinance

Term APR as low as Est. Payment
7 years or less 2.990 % Calculate
7 to 12 years 3.240 % 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 15 years 3.375 % Up to 70% of tax assessment less first mortgage balance

Mobile Home (on leased land)

Term APR as low as
Up to 10 years 8.375 %


Rates effective as of 4/25/2017.

**No Closing Cost program has a minimum loan amount of $125,000. Available on owner-occupied homes only. Call a lending specialist at 800-527-1017 for information on this program.

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. Call 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. Call 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. Call 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. Call a lending specialist at 800-527-1017 for more information. 

Home Equity Line of Credit (HELOC) Disclosure: 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. 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. 

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. 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. Call a lending specialist at 800-527-1017 for more information. 




Credit Cards

Card Credit Type APR as low as
Visa Diamond Good - Excellent 9.74 %
Visa Diamond Average 14.74 %
Visa Diamond Secured No Credit or Low Credit Contact a member support representative for more information
Visa Diamond Plus Cash Good - Excellent 11.99 %
Visa Diamond Plus Cash Average 16.99 %
Visa Diamond Plus Cash Secured No Credit or Low Credit Contact a member support representative for more information
Future Focus Good - Excellent 10.99 %
Future Focus No Credit / Low Credit / Average Credit 15.99 %

Rates effective as of 4/5/2017.

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. 

Additional Disclosure for the Future Focus Credit Card: After 6 years, the account converts to the standard rate Visa Diamond Plus Cash card.




Vehicle Loans

Term APR as low as Est. Payment
New Auto 24 - 72 months 0.99 % Calculate
Used Auto 24 - 72 months 0.99 % Calculate
Auto Refinance 24 - 72 months 0.99 % Calculate
Motor Vehicle Acquisition Program (MAP) 24 - 72 months 2.24 % Calculate
Motorcycle 24 - 72 months 4.375 % Calculate
RV & Boat 5 - 15 years 3.875 % Calculate

Rates effective as of 3/16/2017.

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 7.875 % 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 3/16/2017.



Student Loans

Term APR as low as Est. Payment
Student Choice 6.00 % Calculate
Central One Student Loan 9.125 % Calculate
Rates effective as of 3/16/2017.


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

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
AmEx Gift Cheques $1.25
AmEx Traveler’s Cheques
One Signature (per $100)
$1.00
Two Signature (per $100)
$1.50
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
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
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
VSI Fee (Titled Loans Only) $50.00
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 1/1/2017)
Monthly Fee None
Balance Requirement None
Checks Paid 25 free then $0.15/Check
Interest Paid No
Check Images No


Business Solutions Plus Interest Fee Schedule (as of 1/1/2017)
Monthly Fee $25 if average daily balance falls below $50,000
Balance Requirement $50,000
Checks Paid 100 Free, then $0.15/Check
Interest Paid Yes
Check Images Yes


Business Fee Schedule (as of 1/1/2017)
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
AmEx Gift Cheques $1.25
AmEx Traveler’s Cheques
One Signature (per $100)
$1.00
Two Signature (per $100)
$1.50
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
VSI Fee (Titled Loans Only) $50.00
Wire Transfers
Incoming
$5.00
Outgoing Domestic
$25.00
Outgoing International
$40.00
Recalling & Resending International
$40.00
Recalling Without Resending International
$25.00