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5.80% 12-Month / 5.80% 24-Month CD at a Massachusetts CU (Central One FCU)


Central One FCU continues to offer high yield share certificates called the Senior Sense certificates. The long-term rates have dropped some since my last report in October, but the short-term rates have improved. The current rates include a 5.70% APY 6-month CD, a 5.80% APY 12/24-month CD, a 5.85% APY 36-month CD and a 5.90% APY 60-month CD. All have a minimum deposit of $10k and require direct deposit of Social Security or Pension into a Central One Share Draft account.

The field of membership includes persons who live, work, worship or attend school in several towns of Massachusetts. Branches are located in Auburn, Shrewsbury, Northborough, Marlborough, Salem, Westborough and Worcester.

The credit union is federally insured by the NCUA insured. It has $216 million in assets and over 30k members.