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CENTRAL ONE Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: March 25, 2026

You can compare CENTRAL ONE rates to other rates in our database, including 12-month share certificate rates currently at 3.64%, 6-month share certificate rates at 2.00% and 3-month share certificate rates at 3.75%. Savings rates are at 0.05% and money market rates are at 0.45%. Mortgage rates on 30-year fixed loans are around 6.50%. All these rates can be compared to CENTRAL ONE rates. MonitorBankRates evaluates the financial stability of CENTRAL ONE with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.47%. Rates were last updated on 03/25/2026.

CENTRAL ONE money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CENTRAL ONE? Share your experience about CENTRAL ONE by leaving a review below, or read customer reviews before you decide to use CENTRAL ONE.

Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.47%
Excellent Higher than avg
FSB of Swanville
Central One Federal Credit Union
714 Main St
Shrewsbury, MA 01545
http://www.centralfcu.com
Member NCUA

Current Rate Availability

We do not have CENTRAL ONE rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for CENTRAL ONE is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather CENTRAL ONE rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CENTRAL ONE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CENTRAL ONE
Website http://www.centralfcu.com
Address 714 Main St, Shrewsbury, MA 01545
Phone 508-842-7400
Fax 508-841-0591
President Anthony Pini
CEO Devon Lyon
Full-Time Employees 119
Part-Time Employees 11
Branch Locations 9
ATM Locations 6
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.47%
Return on Assets (ROA)
0.5322%
Return on Equity (ROE)
5.4440%
Non-Performing Loans Ratio (NPL)
0.79%
Total Assets
835,942,465
Total Amount of Shares and Deposits
692,959,135
Total Shares and Deposits < 1 Year
647,433,659
Total Shares and Deposits 1 3 Years
37,636,530
Total Shares and Deposits > 3 Years
7,888,946
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
51,309,983
Total Uninsured Shares and Deposits > $250K (F+J)
51,309,983
Total Insured Shares and Deposits > $250K (item 17 less item K)
641,649,152
Total Interest Expense (Sum of items 6 8)
12,034,221
Share Certificates
6,035
Number of Accounts for Share Drafts
21,418
IRA KEOGH Accounts
1,789
Number of Accounts for Regular Shares
60,992
Non Member Deposits
17
Money Market Shares
7,835
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
25,582,886
Total Liabilities
755,310,662
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for CENTRAL ONE yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for CENTRAL ONE
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Frequently Asked Questions About CENTRAL ONE

Is CENTRAL ONE a safe place to deposit money?

Yes, CENTRAL ONE is considered a safe financial institution. With a Texas Ratio of 6.4725603073744%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does CENTRAL ONE operate?

CENTRAL ONE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join CENTRAL ONE?

Yes, to access services at CENTRAL ONE, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, CENTRAL ONE does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CENTRAL ONE provides members with tools to manage their accounts and build a solid financial history.

Does CENTRAL ONE offer online and mobile banking?

Most modern institutions like CENTRAL ONE provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.centralfcu.com.

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