--- title: "Central One Credit Union Rates - Massachusetts" description: "Current personal loan rates from Central One Credit Union in Massachusetts. Updated daily with source verification. See who can join Central One Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/central-one" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Central One Credit Union Rates - Massachusetts ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Secured Personal Loan** personal_secured | — APR | 3.000% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 9.130% | — | Standard | | **Personal Access Line of Credit (PAL)** ploc_variable | — APR | 9.990% | — | Standard | Central One Credit Union personal loan rates as of November 12, 2026 Central One Credit Union is a credit union in Massachusetts. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/central-one) , verified from [Central One Credit Union's official website](https://www.centralfcu.com/) Loading branch locator… ## About Central One Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 39.1K Assets $882.7M Founded 1952 Locations reported 9 NCUA charter 8218 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Shrewsbury** SHREWSBURY FEDERAL CREDIT UNION · SHREWSBURY · MA · 01545 About 0.9 miles away](https://rateapi.dev/credit-unions/massachusetts/shrewsbury) [**Umassfive College** Worcester Branch · Worcester · MA · 01605-2319 About 2.4 miles away](https://rateapi.dev/credit-unions/massachusetts/umassfive-college) [**First Technology** Worcester Shrewsbury Street · Worcester · MA · 01604-4648 About 3.7 miles away](https://rateapi.dev/credit-unions/california/first-technology) [**All One** Worcester Technical High School · Worcester · MA · 01605 About 3.8 miles away](https://rateapi.dev/credit-unions/massachusetts/all-one) [**Brightbridge** Worcester · Worcester · MA · 01604-4747 About 4.0 miles away](https://rateapi.dev/credit-unions/massachusetts/brightbridge) [**St. Mary's** St. Mary's Credit Union · Northborough · MA · 01532-1824 About 4.1 miles away](https://rateapi.dev/credit-unions/massachusetts/st-marys) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Central One Credit Union Membership eligibility from Central One Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Central One Credit Union's website. Check the membership page below to confirm whether you qualify. - Location worcester, middlesex, norfolk — MA Verified from [Central One Credit Union's membership page](https://www.centralfcu.com/about/) . Final membership determination is always made by the credit union. ## Membership rules for Central One Credit Union Geography 3 counties · Family 2 20 published paths to membership, last verified August 27, 2026, quoted from Central One Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Middlesex County, MA - Norfolk County, MA - Worcester County, MA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Worcester County, MA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member family member, household member “Family or household members of existing members can also join.” > [source ↗](https://www.centralfcu.com/about/) - Family member (family member, household member) of a member - Family of a member family, household member “Family or household members of existing members can also join.” > [source ↗](https://www.centralfcu.com/about/) - Family member (family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Central One Credit Union? Yes No ## Work at Central One Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Central One Credit Union ranks against Massachusetts peers. - See which AI assistants fetched Central One Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=central-one&state=massachusetts&code=MA&name=Central%20One%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Central One Credit Union offer? Central One Credit Union currently offers personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Central One Credit Union rates updated? RateAPI verifies Central One Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Central One Credit Union's rate data? Rate data is collected directly from Central One Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Central One Credit Union? Central One Credit Union publishes its membership criteria on its own website. RateAPI tracks 20 published membership paths covering 3 counties for Central One Credit Union, each quoted from Central One Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Central One Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts personal loan leaders](https://rateapi.dev/personal-loan-rates/massachusetts) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.centralfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Central One Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Central One Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /central-one " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Central One Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/central-one Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp