Workplace Advantage for Employers
Give your employees the gift of financial wellness.
Why should your company sign up?
Our Workplace Advantage program is entirely free to employers - and when your team thrives, so does your business. Give your employees easy access to the financial tools and guidance they need to succeed.
Added benefits at no cost to you
This program was designed to compliment your existing employee programs.
Help your employees build financial confidence
Financially confident employees are more engaged & productive.
We do the heavy lifting
Once you're signed up, Central One's financial experts take care of the rest - from education, content, delivery, and beyond.
Meet our Workplace Advantage Team
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David Kaiser, CLU, ChFC, CCUFC
Senior Vice President, Retail Services
dkaiser@centralfcu.com -
Andri Jashari
Auburn Branch Manager
ajashari@centralfcu.com -
Nick Mazzarini
Milford Branch Manager
nmazzarini@centralfcu.com -
Vaneetha Kannan
Northborough Branch Manager
vkannan@centralfcu.com -
Heather Forchilli, CCUFC
Shrewsbury Branch Manager
hforchilli@centralfcu.com -
Debra Paciello
Westborough Branch Manager
dpaciello@centralfcu.com -
Lisa Silva
Commercial Loan Officer
lsilva@centralfcu.com -
Jillian Hildebrand
MSC Lending Manager jhildebrand@centralfcu.com -
Lisa Griffiths, CISR, CLCS
AVP of Insurance Services
Oak Tree Insurance Agency, LLC.
lgriffiths@centralfcu.com -
Hope Dennis
Financial Advisor
Central One Retirement & Investment Services
hdennis@centralfcu.com -
Samantha Welsh
Financial Advisor
Central One Retirement & Investment Services
swelsh@centralfcu.com
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Must meet all eligibility requirements to become a Central One member.
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Personal Loan Rates
Signature Personal Loan – 9.13%
Secured Loan – Share APR +3.00%
Personal Access Line of Credit (PAL) – Prime + 11.50% (floor rate is 9.99%)
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 |
|
Worcester - St. Vincent Hospital |
August 6, 2026 |
12pm - 2pm |
Sweet Treat |
|
Northborough |
August 27, 2026 |
4pm - 6pm |
Trombetta's Farm |
Food Truck Dates
Check back for the 2026 dates and times
Adjustable Rate Mortgages
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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.
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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.
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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.
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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.
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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.
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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.
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