Spend now, cash in later.
You could earn a $200 cash bonus** on your everyday purchases!
Credit Card rates
Rates and TermsSignature Card
Diamond Rewards
Diamond
Get rewarded when you shop with your new Central One credit card! Earn a $200 one-time cash bonus** when you spend $1,000 on purchases within three months of opening your new card.
Signature Card
Want even more rewards? Open our low-rate Visa Signature credit card and enjoy unlimited 1.5% cash back on all purchases. No annual fees, balance transfer fees or international transaction fees.
All our cards include these great benefits
Instant issue
Replace lost or stolen cards at any branch
No annual fee
Keep more money in your pocket with no annual fee
No balance transfer fee
Don't worry about additional fees when you transfer your card balance
No foreign transaction fee
Traveling abroad? We've got you covered!
Low rates
Same low APR on purchases and cash advances
Mobile wallet compatibility
Checkout safely, swiftly, and securely
Card Control app
Turn your card off and on, set alerts, and more
Contactless technology
Enjoy fast and easy checkout
Accepted worldwide
Take your card with you wherever you go
Find the card that fits you
Factor |
Diamond
|
Diamond Rewards
|
Signature®
|
|---|---|---|---|
| Best for |
Low APR designed for members who carry a balance. |
Unlimited rewards for those who like to shop! |
Highest rate cash back unlimited rewards. |
|
Variable APR as low as |
|
|
|
|
First time borrower Variable APR as low as |
|
|
False |
| Unlimited cash back |
False |
1%** |
1.5%** |
| Cash Advance APR |
Same as APR for purchases |
Same as APR for purchases |
Same as APR for purchases |
|
No Annual Fee Balance Transfer Fee Cash Advance Fee |
True |
True |
True |
| No international transaction fees |
True |
True |
True |
| Locally serviced |
True |
True |
True |
| Accepted worldwide |
True |
True |
True |
| Late Payment Fee |
$29 |
$29 |
$29 |
| Over the Credit Limit |
$29 |
$29 |
$29 |
| Benefits |
Norton Life Lock |
Norton Life Lock |
Travel and Emergency, Roadside Assistance, and Norton Life Lock |
Rates effective as of: April 21, 2026
APR - Annual percentage rate
Ready to get started?
Open your credit card today and get a head start on your $200 cash bonus!
-
*APR=Annual Percentage Yield. Rates effective as of 3/20/26 and are subject to change. Actual rates and approval subject to applicant’s creditworthiness. APRs are variable, adjust with Prime and are capped at 17.5%. Finance charges are imposed on Cash Advances and Balance Transfers from the date they are posted to your account. A $1.00 minimum finance charge will apply. Penalty fees can include $29 Late Payment fee and $29 Over-the-Credit Limit fee.
**Bonus Cash Offer. Promotion is available for personal accounts only and valid through 5/30/26. You will qualify for $200 cash bonus if you use your new credit card account to make any combination of purchase transactions totaling at least $1,000 (excluding any fees) that post to your account within 90 days of the account open date. Returns, credits, and adjustments to this card will be deducted from purchases. Cash Advances and Balance Transfers are not considered purchases and do not apply for purposes of this offer. Limit 1 cash bonus offer per new account. This one-time promotion is limited to new credit card accounts only and will not apply to existing Central One credit cardholders. Your account must be open with active charging privileges in order to receive this offer. After 90 days, if you qualify, you will receive your cash bonus within your next 1-2 billing cycles in your credit card account. Federally insured by NCUA.
Visa-Promo
Factor |
Diamond
|
Diamond Rewards
|
Signature®
|
|---|---|---|---|
| Best for |
Low APR designed for members who carry a balance. |
Unlimited rewards for those who like to shop! |
Highest rate cash back unlimited rewards. |
|
Variable APR as low as |
|
|
|
|
First time borrower Variable APR as low as |
|
|
False |
| Unlimited cash back |
False |
1%** |
1.5%** |
| Cash Advance APR |
Same as APR for purchases |
Same as APR for purchases |
Same as APR for purchases |
|
No Annual Fee Balance Transfer Fee Cash Advance Fee |
True |
True |
True |
| No international transaction fees |
True |
True |
True |
| Locally serviced |
True |
True |
True |
| Accepted worldwide |
True |
True |
True |
| Late Payment Fee |
$29 |
$29 |
$29 |
| Over the Credit Limit |
$29 |
$29 |
$29 |
| Benefits |
Norton Life Lock |
Norton Life Lock |
Travel and Emergency, Roadside Assistance, and Norton Life Lock |
Rates effective as of: April 21, 2026
APR - Annual percentage rate
| Card | Credit Type | *APR as low as | Disclosures | Est. Payment |
|---|---|---|---|---|
|
Visa Diamond |
Good - Excellent |
|
View | Calculate |
|
Visa Diamond |
Average |
|
View | Calculate |
|
First-Time Visa Diamond |
New to Credit |
|
View | Calculate |
|
Visa Diamond Secured |
No Credit or Low Credit |
Contact a member support representative for more information |
Calculate | |
|
Visa Diamond Rewards
|
Good - Excellent |
|
View | Calculate |
|
Visa Diamond Rewards
|
Average |
|
View | Calculate |
|
First Time Visa Diamond Rewards |
New to Credit |
|
View | Calculate |
|
Visa Diamond Rewards Secured
|
No Credit or Low Credit |
Contact a member support representative for more information |
Calculate | |
|
Visa Signature® |
Excellent |
|
View | Calculate |
|
Visa Signature® |
Very Good |
|
View | Calculate |
Rates effective as of: April 21, 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.
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
Open Account
Ice Cream Day Dates
| Location | 2026 Dates | Time | Vendor |
|---|---|---|---|
|
Auburn |
June 25, 2026 |
4pm - 6pm |
Trombetta's Farm |
|
Milford |
July 9, 2026 |
4pm - 6pm |
Trombetta's Farm |
|
Shrewsbury |
July 23, 2026 |
4pm - 6pm |
Trombetta's Farm |
|
Westborough |
July 30, 2026 |
4pm - 6pm |
Uhlman's Ice Cream |
|
Northborough |
August 27, 2026 |
4pm - 6pm |
Trombetta's Farm |
Food Truck Dates
Check back for the 2026 dates and times
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
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.
Leaving Our Website
You are leaving our website and linking to a third-party website not operated by us. We do not directly offer, service, or guarantee products or information provided by third- party vendors or third-party linked sites.