Business Details
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Central One Federal Credit Union is a not-for-profit financial institution that provides members with excellent, personalized service. Central One offers a wide range of savings, deposit, and loan products designed for the local community and has branches in Auburn, Northborough, Shrewsbury, Westborough, and Worcester, as well as school branches in both Shrewsbury and Westborough High Schools.
Products include: Checking Accounts, Tiered Money Market Accounts, CDs, IRA's, FREE Checking, Student Loans, no annual fee Credit Cards, Auto Loans, Mortgages, First Time Home Buyer Program, Home Equity Loans, Home Equity Line of Credit, Personal Loans, Business Savings, and Business Checking Accounts, Commercial Loans, IOLTA, RV Loans. Motorcycle Loans, Boat Loans.
Services: Extended hours, Notary, Financial Literacy, Mobile and Online Banking, Complimentary Seminars, Credit Building. Local Decisions Learn more about Central One and why we are one of the top credit unions in Central Mass.
Drive-up hours: Monday, Tuesday, Wednesday, and Friday 8 am - 5 pm, Thursday 8 am - 6 pm, Saturday 8:30 - 12 pm
Member Support Call Center: Monday - Friday 8 am - 6 pm, Saturday 8:30-1 pm
Serving residents and businesses in Worcester County and parts of Middlesex and Norfolk counties including Shrewsbury, Auburn, Holden, Leicester, Rutland, Mendon, Hopedale, Franklin, Milford, Northborough, Southborough, Marlborough, Westborough, Hudson, Framingham, Natick, Sudbury, West Boylston, Boylston, Paxton, Sterling, Grafton, North Grafton, Millbury, Northbridge, Southbridge, Spencer, Leicester, Oxford, Charleton, Dudley, Uxbridge, Webster, Worcester and more.
Details
- Drive-throughAvailable
- Wheelchair accessible entranceAvailable
Location
Central One Federal Credit Union
63 Southbridge Street, Auburn, MA
01501, United States
Hours
Reviews
3.9
34 reviews
5 stars
23
4 stars
1
3 stars
1
2 stars
1
1 star
8
- EJErgis JashariDec 11, 20255.0I started my financial journey by getting a student checking account at central one and haven’t looked back since. They have stayed my favorite bank because of their friendliness and obvious wort ethic. They always put their members first and want to help anyone who comes through the door. I have always had warm experiences when I have had to go in and have recommended the bank to friends and family because it truly stands out from the rest.
- MPmary paglioDec 9, 20251.0I visited Central One for a HELOC, since a friend of mine recommended them. What a horrible experience! The offices at this branch had no doors, so everyone in the bank could hear all your business and personal information. The tellers' stations were wide open to everyone, no enclosures. The representative who assisted me was not dressed professionally, she didn't seem knowledgeable. When I was in her office doing business with her, she acknowledged a customer of hers that was walking by her office and just started talking to him, while we were in the middle of filling out my HELOC application. After returning to Central One, a few days later, to present documents requested by their loan department, the same representative started dictating fees which were never discussed with me when I asked her about fees involved at our first meeting. She simply stated one $35 fee and that was it. At this point, I didn't feel comfortable with the transaction. The representative was unclear about a number of things. I declined from doing business with Central One and will not in the near future.
- FFF FranAug 30, 20254.0It is a simple but cute bank which serves community needs and the folks there are very courteous and friendly.
- JSJesse StanhopeAug 20, 20245.0Very friendly and knowledgeable staff
- EEEdiola ElezajJul 12, 20245.0I have been a member for a long time. The best decision I have ever made to trust my investment as a home buyer to this bank. The manager of the this branch Andri Jashari has always been our best resource for every question, guidance and support such as 5 stars isn’t enough to rate. I don’t regret my decision to be a member of this wonderful branch, and I look forward to continuing our relationship! I would highly recommend this Branch!
Frequently Asked Questions About Central One Federal Credit Union
How is Central One Federal Credit Union different from a bank?
We are member-owned, whereas banks have shareholders/stockholders. The profits we make are reinvested into providing members with better rates on loan and savings products.
Is Central One Federal Credit Union FDIC insured?
Only banks are covered by the FDIC. Credit unions are insured by the government-funded NCUA. Individual accounts are protected up to $250,000.
How do I become a member of Central One?
To become a member, visit our website at www.centralfcu.com and apply online or stop by any of our local branches.
Where are your branches located?
We have locations in Auburn, Northborough, Shrewsbury, and Westborough.
Do you offer free checking?
All personal checking products offered at Central One are free with no monthly fees or minimum balance requirements.
What are the current rates for auto loans?
Central One offers the same low rate for new, used or refinancing auto loans. Visit our website for current rates at www.centralfcu.com/resources/rates
Can I open an account online?
Yes, you can open an account online by visiting our website at www.centralfcu.com
Do you offer accounts for small businesses?
Yes, our Business Solutions checking account has no monthly fees and no monthly balance requirements.
Do you have small business loans?
Yes, we offer commercial real estate and construction loans, vehicle and equipment loans or working capital lines of credit and business credit cards.
Do you have credit cards?
Central One credit cards have no annual fee, as well as low rates. We service our cards locally and provide a same-day replacement.
Do you have RV or Motorcycle loans?
Yes, we will finance motor homes, boats, and trailers, new and used, at competitive rates. Pre-approval is available with terms up to 180 months.
Does Central One offer fraud protection on their credit card?
Yes, you can monitor and manage your card anytime, anywhere, from your phone with our Card Control app.
Does Central One offer secured loans?
Yes, we offer credit building programs to help you establish or repair your credit with a secure credit card, savings secured or certificate secured loans.
What products does Central One offer?
We offer checking and savings accounts, IRA's, CD's, auto loans, adjustable and fixed mortgages, first-time homebuyer program, credit cards, home equity lines of credit, business savings and checking accounts, student loans, personal and commercial loans and reverse mortgages.
Do you have special hours during COVID-19 outbreak?
All branch lobbies are open their regular business hours.
Am I eligible to join Central One Federal Credit Union?
Membership is now open to anyone who lives, works, worships, volunteers attends school, or own a business in Worcester County as well as parts of Middlesex and Norfolk counties. Also included are family or household members of existing members, and businesses or other legal entities located within our field of membership.
How is Central One Federal Credit Union different from a bank?
Central One is member-owned, unlike banks which have shareholders. Profits are reinvested to offer members better loan and savings rates.
Is Central One Federal Credit Union insured like a bank?
Credit unions like Central One are insured by the NCUA, protecting individual accounts up to $250,000, unlike banks insured by the FDIC.
How can I become a member of Central One Federal Credit Union?
You can apply online at www.centralfcu.com or visit any local branch to become a member.
Where are Central One Federal Credit Union branches located?
Branches are located in Auburn, Northborough, Shrewsbury, Westborough, and Worcester, along with school branches in Shrewsbury and Westborough High Schools.
Do you offer free checking accounts?
Yes, all personal checking accounts are free with no monthly fees or minimum balance requirements.
What are the branch hours for Central One Federal Credit Union in Auburn?
Monday to Wednesday, Friday: 8:30 AM - 4:30 PM; Thursday: 8:30 AM - 5:30 PM; Saturday: 8:30 AM - 12:00 PM; closed on Sundays.
What loan and credit products does Central One offer?
Central One offers auto, RV, motorcycle, boat loans, home equity loans, mortgages, student, personal, and commercial loans, including credit building secured loans and credit cards.
What services are available at Central One Federal Credit Union?
Services include financial and credit building seminars, first-time home buyer seminars, insurance, retirement planning, and a complimentary auto buying advisory service.
What nearby real estate services can I find near Central One Federal Credit Union?
Nearby real estate agents include Pamela LaComfora, 1 Worcester Homes, LC Homes Realty, and Lions Share Realty Service. These can help customers interested in local property transactions around Auburn.
Are there any nearby beauty or spa services near Central One Federal Credit Union?
Yes, beauty and spa services nearby include Shellas Aesthetics, Pure Beauty Lounge, Ladies Of Headliners, and Skin Loft which customers can visit before or after banking.
What local schools or arts centers are near Central One Federal Credit Union?
McInerney School of Irish Dance and GrooveLab Collective are nearby dance and specialty schools customers might be interested in visiting during their trip to the area.