Overview / Commentary
508-842-7400
714 Main St
Shrewsbury, MA 01545

Central One Federal Credit Union is headquartered in Shrewsbury and is the 25th largest credit union in the state of Massachusetts. It is also the 560th largest credit union in the nation. It was established in 1952 and as of June of 2018, it had grown to 100 employees and 34,053 members at 10 locations. Central One Federal Credit Union's CD rates are 2X 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
Employees100
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD6.88%
Annual Interest Income$8.5MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$492.5MM$463.4MM
LoansQ2 2018vs Q2 2017$435.8MM$404.3MM
DepositsQ2 2018vs Q2 2017$424.8MM$393.8MM
Equity CapitalQ2 2018vs Q2 2017$45.2MM$42.2MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.2MM$1.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$3.7MM$3.7MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Central One Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

Central One Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$100-Future Focus Home Savings
0.10%--Savings Account (Regular Share)
0.10%--Oakie Super Savers Club Savings Account
0.10%--IRA Savings
0.10%--Coverdell Education Savings 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 Money Market Account

Central One Federal Credit Union Checking Account Rates

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

Central One Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%$10k-5 Year Central Advantage Premium Certificate
3.00%$10k-3 Year Central Advantage Premium Certificate
2.85%$1k-5 Year Certificate
2.85%$10k-30 Month Central Advantage Premium Certificate
2.75%$1k-3 Year Certificate
2.60%$1k-30 Month Certificate
2.60%$100-2 Year Future Investor Premium Certificate
2.60%$10k-2 Year Central Advantage Premium Certificate
2.55%$10k-18 Month Central Advantage Premium Certificate
2.35%$1k-2 Year Certificate
2.30%$1k-18 Month Certificate
2.15%$100-1 Year Future Investor Premium Certificate
2.15%$10k-1 Year Central Advantage Premium Certificate
1.90%$1k-1 Year Certificate
1.85%$10k-6 Month Central Advantage Premium Certificate
1.60%$1k-6 Month Certificate

Central One Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%$10k-5 Year Central Advantage Premium IRA
3.00%$10k-3 Year Central Advantage Premium IRA
2.85%$1k-5 Year IRA
2.85%$10k-30 Month Central Advantage Premium IRA
2.75%$1k-3 Year IRA
2.60%$1k-30 Month IRA
2.60%$10k-2 Year Central Advantage Premium IRA
2.55%$10k-18 Month Central Advantage Premium IRA
2.35%$1k-2 Year IRA
2.30%$1k-18 Month IRA
2.15%$10k-1 Year Central Advantage Premium IRA
1.90%$1k-1 Year IRA
1.85%$10k-6 Month Central Advantage Premium IRA
1.60%$1k-6 Month IRA
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

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