Business Details
About
BankCredit UnionCredit CardsBusiness Banking ServiceBoat LoansCar Finance and Loan CompanyOnline Banking
Central One Federal Credit Union is a not-for-profit financial institution that provides members with excellent, personalized service. Central One offers a wide range of savings, deposit, and loan products designed for the local community and has branches in Shrewsbury, Auburn, Milford, Northborough, Westborough, and Worcester, as well as school branches in both Shrewsbury and Westborough High Schools.
Products include: Checking Accounts, Tiered Money Market Accounts, CDs, IRA's, FREE Checking, Student Loans, No annual fee Credit Cards, Auto Loans, Mortgages, First Time Home Buyer Program, Home Equity Loans and Line of Credit, Personal Loans, Business Savings and Checking Accounts, Commercial Loans, IOLTA, RV Loans. Motorcycle Loans, Boat Loans.
Services: Extended hours, Notary, Financial Literacy, Mobile and Online Banking, Complimentary Seminars, Credit Building. Local Decisions Learn more about Central One and why we are one of the top credit unions in Central Mass.
Drive-up hours: Monday, Tuesday, Wednesday, and Friday 8 am - 5 pm, Thursday 8 am - 6 pm, Saturday 8:30 - 12 pm
Member Support Call Center: Monday - Friday 8 am - 6 pm, Saturday 8:30-1 pm.
Serving residents and businesses in Worcester County and parts of Middlesex and Norfolk counties. Shrewsbury, Northborough, Westborough, Southborough, Marlborough, Upton, Hopkinton, Milford, West Boylston, Boylston, Paxton, Sterling, Harvard, Grafton, North Grafton, Millbury, Lancaster, Bolton, Berlin, Clinton, Auburn. Worcester, Framingham, Fitchburg, Franklin, Natick, Hudson, Ashland, Northbridge, Southbridge, Millis, Hopedale, Waltham, Holliston, Sudbury, Waltham, and more.
Details
- Drive-throughAvailable
- Wheelchair accessible entranceAvailable
Location
Central One Federal Credit Union
148 Main Street, Northborough, MA
01532, United States
Hours
Reviews
4.7
18 reviews
5 stars
16
4 stars
1
3 stars0
2 stars0
1 star
1
- XXXyMay 29, 20255.0These people literally spent 3 hours helping me work through a difficult wire to close on my home and I wasn't even a member. I was using shared branching. I will be a member soon though! đź‘Ś
- VHVinest hhOct 5, 20241.0The welcome/Information desk female staff that we dealt with today (Saturday, October 5, 2024 around 11:35 AM) was not a kind/welcoming person/receptionist. I believe that she did not like me challenging her when she gave two wrong pieces of information to a lady who wanted to do shared banking. This lady did say that she was in trouble if she could not do the shared banking today. The receptionist told the lady that shared banking closed down at 11:00 AM today, Saturday. I interjected saying to the lady that she could go to this other credit union that did shared banking. This receptionist proceeded to state that all banks close at noon today and that shared banking closed down at 11:00 for all credit unions. “All of them” she reiterated. At that point, because I knew that our credit union closed later, I decided to Google it right in front of her. It happens that our credit union closes at 3:00 PM on Saturdays. I informed the lady about it and let her know about how close the branch was. Lo and behold, another customer from afar in the branch, interjected to let the lady know that there was such credit union branch nearby, "down the road" she yells (loved it!). Of course, by the time we, my husband and I, got to the receptionist, we were doomed. We could feel the awkwardness. She was rude, very definitive, and was not willing to work with us just like she did the lady before us. She asked my husband, who presented his driver’s license and military ID, if he knew his social security number to which he replied yes but he felt insulted. She should have asked if he had his social security number with him versus if he knew it, making us feel as though he was stupid. Social security numbers are a way of life. You have to know your numbers in order to navigate your adult life. She also said that, because the branch was closing soon and our request was time-consuming, all she could do was open the business account then we would have to come back another time for the rest. I said we could not come back because my husband cannot make it after work and that today was a better day, for which she did not budge. I don't understand why she would not keep working with us to complete the task. We have had situations in other credit unions/banks where the branches are closed but because we were already in, the staff still worked with us until the end. In any case, it was obvious to us that she was not going to extend herself based on her being challenged by me. I had that feeling anyway, the moment I tried to be helpful to the lady. What happened to the old days when, if you made it before closing time, it meant that you made it in and you were going to be serviced? She left a bad taste in our mouth. PS. By the way, when I left that Central One branch, I went straight to my credit union to fact check the Central One receptionist who stated with such confidence that shared banking was not available at all for anyone anywhere after 11:00 AM today. When I inquired about it at my CU, the teller did say that shared banking was available. I also asked if there was a cut-off time, which there was none. Go figure!
- PBPatrick BunnellAug 29, 20245.0I love this bank and the people who work here. Outstanding top notch service. Lori Gaskins, Judy Misener, Jordan LaPlante...could not be more impressed with how my wife and I were treated by these wonderful people. Could not recommend it more.
Frequently Asked Questions About Central One Federal Credit Union
How is Central One Federal Credit Union different from a bank?
We are member-owned, whereas banks have shareholders/stockholders. The profits we make are reinvested into providing members with better rates on loan and savings products.
Is Central One Federal Credit Union FDIC insured?
Only banks are covered by the FDIC. Credit unions are insured by the government-funded NCUA. Individual accounts are protected up to $250,000.
How do I become a member of Central One?
To become a member, visit our website at www.centralfcu.com and apply online or stop by any of our local branches.
Where are your branches located?
We have locations in Auburn, Northborough, Shrewsbury, and Westborough.
Do you offer free checking?
All personal checking products offered at Central One are free with no monthly fees or minimum balance requirements.
What are the current rates for auto loans?
Central One offers the same low rate for new, used or refinancing auto loans. Visit our website for current rates at www.centralfcu.com/resources/rates
Can I open an account online?
Yes, you can open an account online by visiting our website at www.centralfcu.com
Do you offer accounts for small businesses?
Yes, our Business Solutions checking account has no monthly fees and no monthly balance requirements.
Do you have small business loans?
Yes, we offer commercial real estate and construction loans, vehicle and equipment loans or working capital lines of credit and business credit cards.
Do you have credit cards?
Central One credit cards have no annual fee, as well as low rates. We service our cards locally and provide a same-day replacement.
Do you have RV or Motorcycle loans?
Yes, we will finance motor homes, boats, and trailers, new and used, at competitive rates. Pre-approval is available with terms up to 180 months.
Does Central One offer fraud protection on their credit card?
Yes, you can monitor and manage your card anytime, anywhere, from your phone with our Card Control app.
Does Central One offer secured loans?
Yes, we offer credit building programs to help you establish or repair your credit with a secure credit card, savings secured or certificate secured loans.
What products does Central One offer?
We offer checking and savings accounts, IRA's, CD's, auto loans, adjustable and fixed mortgages, first-time homebuyer program, credit cards, home equity lines of credit, business savings and checking accounts, student loans, personal and commercial loans and reverse mortgages.
Am I eligible to join Central One Federal Credit Union?
Membership is now open to anyone who lives, works, worships, volunteers attends school, or own a business 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 our field of membership.