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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Central One Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Central One Credit Union's 15 Month Regular CD (and IRA CD) rates are at 4.45%, 6 Month Regular CD (and IRA CD) rates are at 3.50%, 60 Month Regular CD (and IRA CD) rates are at 3.50%, 9 Month Regular CD (and IRA CD) rates are at 3.50%, 24 Month Regular CD (and IRA CD) rates are at 3.35%. Central One Credit Union's savings rates are at 0.05%. Central One Credit Union's money market rates are at 1.60%. Central One Credit Union's checking rates are as high as 1.00%. Central One Credit Union's Fixed Rate Mortgage - 10 Year rates are at 5.62%, Fixed Rate Mortgage - 7 Year rates are at 5.88%, Fixed Rate Mortgage - 15 Year rates are at 6.00%, Fixed Rate Mortgage - 12 Year rates are at 6.00%, Adjustable Rate Mortgage - 5/1 ARM rates are at 6.00%. Central One Credit Union's Personal Loan Rates are as low as 9.13%. Central One Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Central One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.45%. Rates last updated and verified on 10/30/2026. Central One Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central One Credit Union? Share your experience about Central One Credit Union by leaving a review below, or read customer reviews before you decide to use Central One Credit Union. Central One Credit Union
Central One Federal Credit Union 714 Main St
http://www.centralfcu.com Shrewsbury, MA 01545  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Central One Credit Union CD Rates
Central One Credit Union Savings Rates
Central One Credit Union Money Market Rates
Central One Credit Union Checking Rates
Central One Credit Union Business Checking Rates
Central One Credit Union Mortgage Rates
Central One Credit Union Personal Loan Rates
Central One Credit Union Other Rates
Financial Health HistoryCentral One Credit Union’s Texas Ratio rose from 2.15% in Q3 2023 to 5.45% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Central One Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Central One Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Central One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Central One Credit Union
Website
http://www.centralfcu.com
Address
714 Main St,
Shrewsbury, MA 01545
Phone
508-842-7400
Fax
508-841-0591
President
Anthony Pini
CEO
Devon Lyon
Full-Time Employees
123
Part-Time Employees
12
Branch Locations
9
ATM Locations
6
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.45%
Return on Assets (ROA)
0.2954%
Return on Equity (ROE)
3.0376%
Non-Performing Loans Ratio (NPL)
0.68%
Total Assets
872,067,858
Total Amount of Shares and Deposits
722,971,548
Total Shares and Deposits < 1 Year
634,540,319
Total Shares and Deposits 1 3 Years
71,601,921
Total Shares and Deposits > 3 Years
16,829,309
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
56,013,498
Total Uninsured Shares and Deposits > $250K (F+J)
56,013,498
Total Insured Shares and Deposits > $250K (item 17 less item K)
666,958,050
Total Interest Expense (Sum of items 6 8)
7,889,350
Share Certificates
5,877
Number of Accounts for Share Drafts
21,757
IRA KEOGH Accounts
1,716
Number of Accounts for Regular Shares
60,582
Non Member Deposits
75
Money Market Shares
7,780
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
44,555,385
Total Liabilities
784,391,134
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Central One Credit Union
Frequently Asked Questions About Central One Credit UnionDoes Central One Credit Union offer CDs?Yes. Central One Credit Union current CD rates include its 15 Month Regular CD (and IRA CD) at 4.45% APY, its 6 Month Regular CD (and IRA CD) at 3.50% APY and its 60 Month Regular CD (and IRA CD) at 3.50% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Central One Credit Union NCUA insured?Yes. Central One Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Central One Credit Union?The highest Central One Credit Union CD rate is its 15 Month Regular CD (and IRA CD) at 4.45% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Central One Credit Union offer?Central One Credit Union CD rates are 3.50% APY for a 6 month CD, 3.50% APY for a 9 month CD, 3.25% APY for a 12 month CD, 4.45% APY for a 15 month CD, 3.30% APY for an 18 month CD, 3.35% APY for a 2 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Central One Credit Union for its full lineup. What is the highest savings rate at Central One Credit Union?The highest Central One Credit Union savings rate is its Regular Savings at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Central One Credit Union?The highest Central One Credit Union money market rate is its Tiered Money Market at 1.60% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Central One Credit Union?The highest Central One Credit Union checking rate is its Business Solutions Plus Interest Checking at 1.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Central One Credit Union?The lowest Central One Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year at 6.75%, verified by MonitorBankRates as of October 30, 2026. Central One Credit Union mortgage rates are 6.75% for a 30 year mortgage, 6.25% for a 20 year mortgage, 6.00% for a 15 year mortgage, 6.00% for a 12 year mortgage, 5.625% for a 10 year mortgage, 5.50% for a 7 year mortgage, 5.74% for a 1/1 ARM and 5.99% for a 3/3 ARM. What is the lowest personal loan rate at Central One Credit Union?The lowest Central One Credit Union personal loan rate is its Signature Personal Loan at 9.13% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Central One Credit Union operate?Central One Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Central One Credit Union?Yes, to access services at Central One Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Central One Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Central One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Central One Credit Union offer online and mobile banking?Most modern institutions like Central One Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.centralfcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Central One Credit Union rates compare?Central One Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. Central One Credit Union's top rates are its 15 Month Regular CD (and IRA CD) at 4.45% APY, its Regular Savings at 0.05% APY, its Tiered Money Market at 1.60% APY, its Business Solutions Plus Interest Checking at 1.00% APY, its Fixed Rate Mortgage - 7 Year at 5.50% and its Signature Personal Loan at 9.13% APR, verified by MonitorBankRates on October 30, 2026. Current Central One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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