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Central One Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.centralfcu.com
800-527-1017
714 Main St
Shrewsbury, MA 01545

Central One Federal Credit Union is headquartered in Shrewsbury and is the 15th largest credit union in the state of Massachusetts. It is also the 525th largest credit union in the nation. It was established in 1952 and as of December of 2024, it had grown to 126 employees and 38,645 members at 6 locations. Central One Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Central One Federal Credit Union is open to those who live, work, worship, attend school, volunteer, or own a business anywhere 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 this area.
See current membership details

Reviews

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #8218
Year Chartered1952
Employees126
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD6.69%
Annual Interest Income$37.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$819.7MM$800.6MM
LoansQ4 2024vs Q4 2023$639.8MM$618.1MM
DepositsQ4 2024vs Q4 2023$684.1MM$665.5MM
Equity CapitalQ4 2024vs Q4 2023$73.8MM$67.8MM
Loan Loss AllowanceQ4 2024vs Q4 2023$3.1MM$2.9MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$4MM$4.5MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Sorry, we do not have rate data for Central One Federal Credit Union.

Locations


Central One Federal Credit Union Locations
Branch Office714 Main StShrewsbury, MA 01545
Branch Office148 Main StNorthborough, MA 01532
Branch Office63 Southbridge StAuburn, MA 01501
Branch Office40 South StWestborough, MA 01581
Branch Office123 Summer St Ste 510Worcester, MA 01608-1216
Branch Office82 Prospect StMilford, MA 01757

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