CENTRAL ONE Rates and Review January 2026
Compare CENTRAL ONE CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of CENTRAL ONE savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityCENTRAL ONE money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or 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. Overall, CENTRAL ONE is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. FSB of Swanville Central One Federal Credit Union 714 Main St Shrewsbury, MA 01545  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonTravel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
Visa Student Rewards Card
17.990%
PLATINUM REWARDS VISA
14.740%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonEducation (tuition bill required)
8.250%
$0
60
New Signature Loans
8.990%
$0
Personal/Signature
10.990%
$0
24 - 36
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have CENTRAL ONE rate data right now. Credit Union Profile & OverviewCredit Union Name: CENTRAL ONE
Website: http://www.centralfcu.com
Full Time Employees: 119Part Time Employees: 11 President: Anthony Pini CEO: Devon Lyon Branch Locations: 9 ATM Locations: 6 Corporate Office Address:
714 Main St
Shrewsbury, MA 01545 Phone Number: 508-842-7400 Fax Number: 508-841-0591 FinancialsTotal Assets:
835,942,465
Total Amount of Shares and Deposits:
692,959,135
Total Shares and Deposits < 1 Year:
647,433,659
Total Shares and Deposits 1 3 Years:
37,636,530
Total Shares and Deposits > 3 Years:
7,888,946
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
51,309,983
Total Uninsured Shares and Deposits > $250K (F+J):
51,309,983
Total Insured Shares and Deposits > $250K (item 17 less item K):
641,649,152
Total Interest Expense (Sum of items 6 8):
12,034,221
Share Certificates:
6,035
Number of Accounts for Share Drafts:
21,418
IRA KEOGH Accounts:
1,789
Number of Accounts for Regular Shares:
60,992
Non Member Deposits:
17
Money Market Shares:
7,835
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
25,582,886
Total Liabilities:
755,310,662
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About CENTRAL ONEIs a member application needed to join CENTRAL ONE?Yes, to access services at CENTRAL ONE, a member application is required. Is there a first-time homebuyer program?Currently, CENTRAL ONE provides a range of mortgage and home equity products. Is CENTRAL ONE a safe place to deposit money?Yes, CENTRAL ONE is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does CENTRAL ONE offer online and mobile banking?Most modern institutions like CENTRAL ONE provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 1.51%, 6-month CD rates at 3.00% and 3-month CD rates at 0.20%. Savings rates are at 0.15% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.54%. Credit Card rates are at 17.75%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates which you can compare to 
