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Central One

714 Main St, Shrewsbury, MA 01545
NCUA Insured4.1 (52 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

714 Main St

Shrewsbury, MA 01545

Service Area

This credit union is located in Shrewsbury and serves members in the MA area. Currently serving 38,833 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.77%

Used Auto Loan

5.73%

Personal Loan

9.89%

Credit Card APR

13.97%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MA

Lowest rates currently reported by credit unions in MA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(9 total)

Member Reviews

4.1

52 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Jennifer Benger

Jennifer Benger

3 months ago

I recently changed from Bank of America after multiple fraud issues there. My experience with Central One has been excellent. Their loan rates were the best around and the customer service has consistently exceptional every time I’ve come in. Terry Bradt is amazing and Will was also so helpful. I only wish i made the switch years ago!

Kelly Connerton

Kelly Connerton

2 months ago

We could not be happier with Central One! We are thrilled to have joined the Central One family. Outstanding customer service! Unmatched services for members! My only complaint is how late in the day my direct deposit credits. Otherwise, our whole family LOVES OUR BANK!

Lan Nguyen Kim

Lan Nguyen Kim

3 months ago

I finally closed my accounts with them. After almost two years of trying to get my name updated, they haven't been able to resolve this issue. They do not want to help even though I escalated the issue to their supervisor and manager. Noone has yet called me back to resolve this issue. They are great when you don't have complicated issues. When the issue becomes difficult or when they no longer want to deal with you, they just ignore you until you are fed up and frustrated enough to close the account.

Jayme Valdez

Jayme Valdez

a year ago

I am deeply grateful to Michael Murphy, VP, and the entire Central One Federal Credit Union team for believing in my business and making it possible for us to expand our services to the community. At a time when larger banks treated me like just another number, Mike and his team led with humanity, hope, and compassion — bringing warmth and generosity to a process that is often cold and transactional. Mike even attended my closing on his day off, a gesture that moved me to tears and speaks volumes about the kind of person he is. Central One is the real deal: a bank that truly cares about people and invests in their dreams.

NinjaHiro Dude

NinjaHiro Dude

a year ago

Use to be a really nice place where branch managers remembered who you were. Now I can't even see someone for questions about a mortgage without an appointment. Then when you do get to see someone they just don't return any calls or answer emails. *9/21/2021 - Your call center reps need better training and phone etiquette; I was told by one of the agents that she was ready to go home, and could not generate a payoff letter at the moment. This is very poor member service especially when the agent wasn't off the clock yet. 4/01/2022 - I get fully approved for a auto refinance and all documents submitted. Only to get ghosted with no follow up. A week later I have to follow up only to be told ''oh I thought the loan agreement was sent''...... guess that was April fools on me huh. Come see me when Central One is ready for Workforce Management; this CU can use a 1000% turn around and QA. 11/2024 - This place lies so much now. Showing false interest rates on vehicle loans; you just cant seem to meet the criteria even though you already exceeded them. Its time to move on.....

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).