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Overview / Commentary
800-527-1017
714 Main St
Shrewsbury, MA 01545

Central One Federal Credit Union is headquartered in Shrewsbury and is the 26th largest credit union in the state of Massachusetts. It is also the 558th largest credit union in the nation. It was established in 1952 and as of September of 2017, it had grown to 97 employees and 33,115 members at 10 locations. Central One Federal Credit Union's CD rates are 39% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Central One Federal Credit Union is open to those who live, work, attend school or worship in Auburn, Berlin, Bolton, Boylston, Clinton, Grafton, Harvard, Holden, Hopkinton, Lancaster, Leicester, Marlboro, Milford, Millbury, Northborough, Paxton, Princeton, Rutland, Shrewsbury, Southborough, Sterling, Upton, Westborough, W.Boylston or Worcester, Massachusetts.
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Health
B+

Health Grade Components

Overall
NCUA #8218
Year Chartered1952
Employees97
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD6.61%
Annual Interest Income$11.8MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$478.2MM$440.6MM
LoansQ3 2017vs Q3 2016$412.5MM$377.0MM
DepositsQ3 2017vs Q3 2016$400.3MM$373.9MM
Equity CapitalQ3 2017vs Q3 2016$43.1MM$41.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.3MM$1.2MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$3.5MM$3.2MM
Real Estate OwnedQ3 2017vs Q3 2016$0$201.00K
Rates
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Central One Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$100-Future Focus Home Savings
0.10%--Regular Share Account
0.10%--Oakie Account
0.10%--IRA Savings
0.10%--Coverdell Education Account
0.10%--Holiday Club Savings Account
0.10%--Vacation Club Savings Account

Central One Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Maxi Fund Account

Central One Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Share Draft Checking Account
0.05%--Business Solutions Plus Interest Checking Account

Central One Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$10k-60 Month Senior Sense Certificate
2.30%$1k-60 Month Certificate
2.25%$10k-36 Month Senior Sense Certificate
2.00%$1k-36 Month Certificate
1.75%$10k-24 Month Senior Sense Certificate
1.75%$100-24 Month Future Investor Share Certificate
1.50%$1k-24 Month Certificate
1.50%$10k-12 Month Senior Sense Certificate
1.50%$100-12 Month Future Investor Share Certificate
1.25%$1k-12 Month Certificate
1.15%$10k-6 Month Senior Sense Certificate
0.90%$1k-6 Month Certificate

Central One Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$10k-60 Month Senior Sense IRA Certificate
2.30%$1k-60 Month IRA Certificate
2.25%$10k-36 Month Senior Sense IRA Certificate
2.00%$1k-36 Month IRA Certificate
1.75%$10k-24 Month Senior Sense IRA Certificate
1.50%$1k-24 Month IRA Certificate
1.50%$10k-12 Month Senior Sense IRA Certificate
1.25%$1k-12 Month IRA Certificate
1.15%$10k-6 Month Senior Sense IRA Certificate
0.90%$1k-6 Month IRA Certificate
Locations


Cities: Auburn, Northborough, Shrewsbury, Waltham, Westborough

Auburn Branches
Branch Office63 Southbridge StAuburn, MA 01501

Northborough Branches
Branch Office148 Main StNorthborough, MA 01532
Branch Office55 Bearfoot RdNorthborough, MA 01532

Shrewsbury Branches
Branch Office30 Julio DrShrewsbury, MA 01545
Branch Office714 Main StShrewsbury, MA 01545
Branch Office64 Holden StShrewsbury, MA 01545

Waltham Branches
Branch Office40 Sylvan RdWaltham, MA 02451

Westborough Branches
Branch Office25 Research DrWestborough, MA 01581
Branch Office40 South StWestborough, MA 01581
Branch Office90 W Main StWestborough, MA 01581-2535