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CENTRAL ONE

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CENTRAL ONE Rates & Review September 2026

Q: How 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

CENTRAL ONE's 15-month CD special rates are at 4.05%. CENTRAL ONE's Personal Loan Rates are as low as 9.13%. MonitorBankRates evaluates the financial stability of CENTRAL ONE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.12%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.12%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

CENTRAL ONE
Central One Federal Credit Union

714 Main St
Shrewsbury, MA 01545

http://www.centralfcu.com

CENTRAL ONE CD Rates

Product	Rate	APY	Term	View More
15-month Certificate special	-	4.05%	15 month
Details The best things grow with time Give your savings a place to grow with a competitive Certificate rate of 4.05% APY*. Learn more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

CENTRAL ONE Personal Loan Rates

Product	APR	Term	View More
Signature Personal Loan	9.13%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

CENTRAL ONE’s Texas Ratio rose from 1.74% in Q2 2023 to 3.12% in Q1 2026, so its financial health has stayed very strong 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$883M	3.12%	5.0	A+
December 31, 2025	$858M	5.62%	5.0	A+
September 30, 2025	$836M	6.24%	5.0	A
June 30, 2025	$837M	4.62%	5.0	A+
March 31, 2025	$841M	4.32%	5.0	A+
December 31, 2024	$820M	4.95%	5.0	A+
September 30, 2024	$802M	4.94%	5.0	A+
June 30, 2024	$804M	3.84%	5.0	A+
March 31, 2024	$815M	4.78%	5.0	A+
December 31, 2023	$801M	5.98%	5.0	A+
September 30, 2023	$790M	2.15%	5.0	A+
June 30, 2023	$774M	1.74%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 127

Part-Time Employees 11

Branch Locations 9

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.12%

Return on Assets (ROA)

0.1355%

Return on Equity (ROE)

1.4336%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

882,707,202

Total Amount of Shares and Deposits

735,268,068

Total Shares and Deposits < 1 Year

655,427,418

Total Shares and Deposits 1 3 Years

63,844,173

Total Shares and Deposits > 3 Years

15,996,477

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

58,465,611

Total Uninsured Shares and Deposits > $250K (F+J)

58,465,611

Total Insured Shares and Deposits > $250K (item 17 less item K)

676,802,457

Total Interest Expense (Sum of items 6 8)

3,993,855

Share Certificates

6,013

Number of Accounts for Share Drafts

21,641

IRA KEOGH Accounts

1,731

Number of Accounts for Regular Shares

60,362

Non Member Deposits

Money Market Shares

7,798

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)

50,675,889

Total Liabilities

796,405,298

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

CENTRAL ONE earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/central-one-rates-review-8218">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About CENTRAL ONE

How 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.