Central One Federal Credit Union is a not-for-profit financial institution dedicated to providing personalized service and financial solutions for individuals and businesses. We offer checking and savings accounts, money markets, CDs, IRAs, mortgages, home equity loans and lines, auto loans, credit cards, personal loans, student loans, RV, boat and motorcycle loans, plus business accounts and commercial lending. Services include mobile and online banking, financial education programs, credit-building resources, local decision-making, and community-focused support. Proudly serving Worcester County and parts of Middlesex and Norfolk counties throughout Central Massachusetts.
Details
Drive-throughAvailable
Wheelchair accessible entranceAvailable
Location
Certified by Central One Federal Credit Union • Oct 25, 2026
Whether you're shopping for a new or used vehicle, or just looking to refinance, Central One makes the process quick and hassle-free. With rates as low as 0.99 % APR*, you know you're getting a great deal! Ask us how you can get a pre-approved blank check to go vehicle shopping on your schedule.
* Rate valid as of 2/17/2021. Terms and conditions apply.
MOVE YOUR DEBT IN THE RIGHT DIRECTION. Transfer your high rate credit card balances with our Balance Transfer Promotion now through July 31st. Transfer your balances and enjoy a 4.99% promotional APR* fixed until January 2023!
No balance transfer fee.
No annual fee.
Apply online today at www.cetralfcu.com
Reviews
4.7
19 reviews
5 stars
17
4 stars
1
3 stars0
2 stars0
1 star
1
MP
Michelle Power
Aug 26, 2024
5.0
I want to extend my heartfelt thanks to Central One Federal Credit Union for their incredible support of our recent Pawsitively 4 Pink golf tournament. Although P4P isn't part of their banking establishment, they chose to sponsor our event out of their genuine belief in community support.
This gesture truly reflects Central One's commitment to making a positive impact beyond just their banking services. It’s clear they are more than just a credit union—they are a vital part of our community, always ready to step up and make a difference. If you’re looking for a financial institution that truly cares about the community it serves, Central One Federal Credit Union is the perfect choice!
AR
Austin Rios
Mar 18, 2024
4.0
It took 4 months and half a dozen calls to review an ATM record and return our money. Over that period of time, that same money devalued by more than 10%. If the roles were reversed, i would ended up with 29% interest compounded monthly and more than a hundred dollars in late fees, over draft fees, etc. So in short, if we reversed roles, i would have owed them somewhere around $200-300. Seems rigged but that’s banking.
4 stars because we eventually got our money without having to file a police report against them.
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.
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, and profits are reinvested to provide better rates on loan and savings products, unlike banks which have shareholders.
Is Central One Federal Credit Union insured like a bank?
Central One is insured by the NCUA, protecting individual accounts up to $250,000, whereas banks are covered 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 of their local branches to become a member.
Where are Central One Federal Credit Union branches located?
Branches are located in Auburn, Northborough, Shrewsbury, Westborough, Milford, and Worcester, with additional branches at Shrewsbury and Westborough High Schools.
What are the business hours of the Northborough branch?
Monday to Wednesday and Friday: 8:30 AM - 4:30 PM, Thursday: 8:30 AM - 5:30 PM, Saturday: 8:30 AM - 12 PM, Sunday: Closed.
Does Central One Federal Credit Union offer free checking accounts?
Yes, all personal checking products at Central One come with no monthly fees or minimum balance requirements.
Can I open a Central One account online?
Yes, accounts can be opened online by visiting www.centralfcu.com.
What types of loans does Central One offer?
They offer auto, RV, motorcycle, personal, student, commercial real estate, and home equity loans, including first-time homebuyer and credit building programs.
What nearby places can I visit around the Northborough Central One branch?
Nearby places include K & B Sportswear for clothing and sporting goods, Northborough Dental Associates for dental care, and The Purple Rose gift shop for home decor and gifts.
Are there healthcare providers near Central One Federal Credit Union in Northborough?
Yes, several dental and pediatric providers are nearby, including Advanced Dental Group, Town Center Pediatrics, and The Pediatric Dental Group Northborough, offering convenient healthcare options.
How can nearby mortgage brokers help Central One customers?
Customers can consult nearby mortgage brokers like Prestige Home Mortgage LLC, Wes Oliver Mortgage Team, and Veterans Home Loans for additional mortgage and loan options to complement Central One's offerings.
Brand Certified Facts from Central One Federal Credit Union
This information is certified by Central One Federal Credit Union and published from the brand's official system of record. Data is distributed through an enterprise-grade knowledge management platform. Learn more about our data sources
Certified October 25, 2026Yext Knowledge Graph
Address
Categories
Geo coordinates
Legal business name
Hours of operation
Phone number
Official website
Syndication Network
Approved business data is pushed to 100+ publishers, including:
