Credit union · NCUA insured
Central One Federal Credit Union CD Rates
Central One Federal Credit Union’s best CD rate is 4.45% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 5, 2026.
How Central One Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Central One Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
Premium Certificates
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
3rd-highest rate
GFA FCU
4.45%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,902
Central One Federal Credit Union CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.45%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Central One Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premium Certificates
Up to 4.45%APY · 9 terms
Must open and maintain a Premium Checking account (requires member to be at least 18 years of age and have minimum monthly direct deposit of $1,500 into Premium Checking). Minimum balance of $10,000 to open account and earn APY. Fixed dividend rates for term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 9 months | 3.50% | $261 |
| 12 months | 3.50% | $350 |
| 15 monthsLimited time promotion | 4.45% | $559 |
| 18 months | 3.55% | $537 |
| 24 months | 3.60% | $733 |
| 30 months | 3.60% | $924 |
| 36 months | 3.60% | $1,119 |
| 60 months | 3.75% | $2,021 |
Sources (2)
All captured Oct 5, 2026
Regular Certificates
Up to 4.45%APY · 9 terms
Minimum balance of $500 to open account and earn APY. Fixed dividend rates for term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 9 months | 3.50% | $261 |
| 12 months | 3.25% | $325 |
| 15 monthsLimited time promotion | 4.45% | $559 |
| 18 months | 3.30% | $499 |
| 24 months | 3.35% | $681 |
| 30 months | 3.35% | $859 |
| 36 months | 3.35% | $1,039 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
Boost Certificate
Up to 3.60%APY · 2 terms
Minimum opening balance of $100 to open and earn APY. Principal balance limit of $10,000 max per certificate. Only one Boost Certificate allowed per member. Additional deposits can be made in increments of $100 or more up to $10,000 total. If member is 17 years of age or younger, a parent or guardian (credit union member) must be a joint account owner.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdditional deposits allowed in increments of $100 or more up to $10,000 maximum principal balance | 3.50% | $350 |
| 24 monthsAdditional deposits allowed in increments of $100 or more up to $10,000 maximum principal balance | 3.60% | $733 |
Special-purpose accounts
IRA Certificates
Up to 4.05%APY · 9 terms
Minimum balance of $500 to open account and earn APY. Dividends compound monthly. Fixed dividend rates for term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 9 months | 3.50% | $261 |
| 12 months | 3.25% | $325 |
| 15 months | 4.05% | $509 |
| 18 months | 3.20% | $484 |
| 24 months | 3.10% | $630 |
| 30 months | 3.10% | $793 |
| 36 months | 3.20% | $991 |
| 60 months | 3.50% | $1,877 |
Sources (1)
- centralfcu.com/accounts/iras · captured Sep 18, 2026
Premium IRA Certificates
Up to 4.05%APY · 9 terms
Available for Traditional and Roth IRAs. Requires minimum deposit of $5 in Owner Voting Share account, open and maintain a Premium Checking account (member must be at least 18 years of age with minimum monthly direct deposit of $1,500). Minimum balance of $10,000 to open and earn APY. Dividends compound monthly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 9 months | 3.50% | $261 |
| 12 months | 3.50% | $350 |
| 15 months | 4.05% | $509 |
| 18 months | 3.45% | $522 |
| 24 months | 3.35% | $681 |
| 30 months | 3.35% | $859 |
| 36 months | 3.45% | $1,071 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- centralfcu.com/accounts/iras · captured Sep 18, 2026
Who can join Central One Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Worcester County or parts of Middlesex and Norfolk counties are eligible for membership.
Employers and groups
- Businesses and organizations located within Worcester County or eligible parts of Middlesex and Norfolk counties are eligible for membership.
Family and household
- Family or household members of existing members are eligible to join.
Membership information collected October 5, 2026.