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 • Jul 05, 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
4.6
12 reviews
5 stars
10
4 stars
1
3 stars0
2 stars0
1 star
1
AF
ALWAYS PUT GOD FIRST
Jun 2, 2025
5.0
Love them
MM
Matheus Oliveira (Matt)
Aug 5, 2024
5.0
Best guys working there. Everything is always smooth. Brandon are good guy and always helpful. Also. Debra listen to us and our needs.
RS
Ron Schnaper
Aug 7, 2019
5.0
Central One Federal Credit Union always has competitive rates!
DC
Dennis Callahan
Jan 8, 2018
5.0
We've been members for years because of great service and friendly, helpful staff. The website is also very easy to use. If you want a credit union (as opposed to a bank) definitely check these guys out.
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.
What makes Central One Federal Credit Union different from traditional banks?
Central One is member-owned, and profits are reinvested to offer members better rates on loans and savings, unlike banks which have shareholders.
Is Central One Federal Credit Union insured like banks?
Credit unions like Central One are insured by the NCUA, protecting individual accounts up to $250,000, not by the FDIC as banks are.
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's branches located?
Branches are located in Auburn, Northborough, Shrewsbury, Westborough, and Worcester, including school branches in Shrewsbury and Westborough High Schools.
What are the operating hours for Central One Federal Credit Union?
Open Monday to Wednesday and Friday from 8:30 AM to 4:30 PM, Thursday until 5:30 PM, and Saturday from 8:30 AM to 12 PM; closed on Sundays and certain holidays.
Does Central One offer free checking accounts?
Yes, all personal checking accounts have no monthly fees or minimum balance requirements.
What types of loans does Central One provide?
They offer auto loans, mortgages including first-time homebuyer programs, personal loans, business and commercial loans, RV and boat loans, and secured credit products.
Are there nearby places to eat when visiting the Central One branch in Westborough?
Yes, nearby restaurants include Boston Market, South Street Diner, Central House Tavern, Sake Hana Asian Cuisine, Sabatini Italian Restaurant, and Christina's Cafe, perfect for dining before or after your visit.
What nearby services can complement my visit to Central One in Westborough?
Nearby services include Michelle's South Street Salon for beauty needs, WASA Athletic And Social Association for community activities, and nearby ATMs like Byte Federal Bitcoin ATM at TJ Farms Convenience Store.
How can I get to Central One Federal Credit Union in Westborough if I'm new to the area?
The branch is located at 40 South Street, Westborough, MA. You can also find nearby landmarks such as Boston Market and South Street Diner to help orient yourself.
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