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Central One Federal Credit Union


Overview / Commentary
www.centralfcu.com
508-842-7400
714 Main St
Shrewsbury, MA 01545

Central One Federal Credit Union is headquartered in Shrewsbury and is the 20th largest credit union in the state of Massachusetts. It is also the 537th largest credit union in the nation. It was established in 1952 and as of March of 2022, it had grown to 110 employees and 37,176 members at 8 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, 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
A

Data as of Q1 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #8218
Year Chartered1952
Employees110
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD6.77%
Annual Interest Income$5.0MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$739.6MM$685.2MM
LoansQ1 2022vs Q1 2021$526.3MM$520.3MM
DepositsQ1 2022vs Q1 2021$657.5MM$607.4MM
Equity CapitalQ1 2022vs Q1 2021$61.0MM$53.4MM
Loan Loss AllowanceQ1 2022vs Q1 2021$1.4MM$1.5MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$1.1MM$838.00K
Real Estate OwnedQ1 2022vs Q1 2021$0$176.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Central One Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Savings Account (Regular Share)
0.05%--Oakie Super Savers Club Savings Account
0.05%--IRA Savings
0.05%--Coverdell Education Savings Account
0.05%--Holiday Club Savings Account
0.05%--Vacation Club Savings Account

Central One Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$100k*-Premium Money Market
OTHER TIERS: 0.15% → Up to $10k | 0.20% → $10k - $50k | 0.30% → $50k - $100k
0.15%--Maxi Fund Money Market Account

Central One Federal Credit Union Checking Account Rates

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

Central One Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$10k-5 Year Premium Certificate
2.75%$1k-5 Year Certificate
2.60%$10k-30 Month Premium Certificate
2.35%$1k-30 Month Certificate
0.80%$10k-3 Year Premium Certificate
0.70%$100-2 Year Future Investor Premium Certificate
0.70%$10k-2 Year Premium Certificate
0.60%$10k-18 Month Premium Certificate
0.55%$1k-3 Year Certificate
0.50%$100-1 Year Future Investor Premium Certificate
0.50%$10k-1 Year Premium Certificate
0.45%$1k-2 Year Certificate
0.45%$10k-6 Month Premium Certificate
0.35%$1k-18 Month Certificate
0.25%$1k-1 Year Certificate
0.20%$1k-6 Month Certificate

Central One Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$10k-5 Year Premium IRA
2.75%$1k-5 Year IRA
2.60%$10k-30 Month Premium IRA
2.35%$1k-30 Month IRA
0.80%$10k-3 Year Premium IRA
0.70%$10k-2 Year Premium IRA
0.60%$10k-18 Month Premium IRA
0.55%$1k-3 Year IRA
0.50%$10k-1 Year Premium IRA
0.45%$1k-2 Year IRA
0.45%$10k-6 Month Premium IRA
0.35%$1k-18 Month IRA
0.25%$1k-1 Year IRA
0.20%$1k-6 Month IRA
Locations


Central One Federal Credit Union Locations
Branch Office30 Julio DrShrewsbury, MA 01545
Branch Office714 Main StShrewsbury, MA 01545
Branch Office148 Main StNorthborough, MA 01532
Branch Office64 Holden StShrewsbury, MA 01545
Branch Office63 Southbridge StAuburn, MA 01501
Branch Office40 South StWestborough, MA 01581
Branch Office90 W Main StWestborough, MA 01581-2535
Branch Office123 Summer St Ste 510Worcester, MA 01608-1216

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