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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 Rates & Review October 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 10, 2026
CENTRAL ONE's top rates as of October 10, 2026 are 4.45% APY on its 15 Month Premium CDs/Premium IRA CDs CD, 0.05% APY on savings, 4.00% APY on money market accounts, 3.04% APY on checking, and personal loans from 9.13% APR, according to rates verified by MonitorBankRates. Other CENTRAL ONE CD rates include 15 Month Regular CDs (and IRA CDs) at 4.45%, 60 Month Premium CDs/Premium IRA CDs at 3.75%, and 24 Month Boost CDs at 3.60%. MonitorBankRates evaluates the financial stability of CENTRAL ONE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.45%. Rates last updated and verified on 10/10/2026. CENTRAL ONE 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? Share your experience about CENTRAL ONE by leaving a review below, or read customer reviews before you decide to use CENTRAL ONE. CENTRAL ONE
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 CD Rates
CENTRAL ONE Savings Rates
CENTRAL ONE Money Market Rates
CENTRAL ONE Business Money Market Rates
CENTRAL ONE Checking Rates
CENTRAL ONE Business Checking Rates
CENTRAL ONE Personal Loan Rates
CENTRAL ONE Other Rates
Financial Health HistoryCENTRAL ONE’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 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 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's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CENTRAL ONE
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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Frequently Asked Questions About CENTRAL ONEHow many branches does CENTRAL ONE operate?CENTRAL ONE 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?Yes, to access services at CENTRAL ONE, 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 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 provides members with tools to manage their accounts and build a solid financial history. Does CENTRAL ONE offer online and mobile banking?Most modern institutions like CENTRAL ONE 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. Current CENTRAL ONE Rates
Retrieved from our database of financial products. Rates subject to change.
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