Credit union · NCUA insured
Central One Federal Credit Union Credit Card Rates
Central One Federal Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 5, 2026.
How Central One Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Worcester, MA, where Central One Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Central One Federal Credit Union
11.74%APR
- Up to
- —
First-Time Visa Diamond
Lowest rate
Worcester Fire Dept Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
Dean Bank
9.99%APR
- Up to
- 17.99% APR
Central One Federal Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central One Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
First Time Visa Diamond Rewards
Designed for members new to credit, with 1% cash back. APRs are variable, adjust with Prime, and are capped at 17.5%. No annual fee, no balance transfer fee, no cash advance fee, no international transaction fees. Cash advance APR is the same as APR for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99% | None | Credit Type: New to Credit. First-time borrower variable APR as low as 13.99%. Cash advance APR is same as APR for purchases. Rate capped at 17.5%. Earns 1% cash back on purchases. |
First-Time Visa Diamond
Ideal for members new to credit, with a 1% APR reduction. APRs are variable, adjust with Prime, and are capped at 17.5%. No annual fee, no balance transfer fee, no cash advance fee, no international transaction fees. Cash advance APR is the same as APR for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74% | None | Credit Type: New to Credit. First-time borrower variable APR as low as 11.74%. Cash advance APR is same as APR for purchases. Rate capped at 17.5%. |
Visa Diamond
APRs are variable, adjust with Prime, and are capped at 17.5%. No annual fee, no balance transfer fee, no cash advance fee, no international transaction fees. Cash advance APR is the same as APR for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74% | None | Credit Type: Good - Excellent. Variable APR as low as 12.74%. Cash advance APR is same as APR for purchases. Rate capped at 17.5%. |
| Ongoing | 17.50% | None | Credit Type: Average. Variable APR as low as 17.50%. Cash advance APR is same as APR for purchases. Rate capped at 17.5%. |
Visa Diamond Rewards
Earn 1% unlimited cash back on new net purchases. APRs are variable, adjust with Prime, and are capped at 17.5%. No annual fee, no balance transfer fee, no cash advance fee, no international transaction fees. Cash advance APR is the same as APR for purchases. Formerly Diamond Plus Cash.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99% | None | Credit Type: Good - Excellent. Variable APR as low as 14.99%. Cash advance APR is same as APR for purchases. Rate capped at 17.5%. Earns 1% cash back on purchases. |
| Ongoing | 17.50% | None | Credit Type: Average. Variable APR as low as 17.50%. Cash advance APR is same as APR for purchases. Rate capped at 17.5%. Earns 1% cash back on purchases. |
Visa Signature
Offers unlimited 1.5% cash back on all purchases. APRs are variable, adjust with Prime, and are capped at 17.5%. No annual fees, balance transfer fees, cash advance fees, or international transaction fees. Cash advance APR is the same as APR for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99% | None | Credit Type: Excellent. Variable APR as low as 13.99%. Cash advance APR is same as APR for purchases. Rate capped at 17.5%. Earns 1.5% unlimited cash back. |
| Ongoing | 14.99% | None | Credit Type: Very Good. Variable APR as low as 14.99%. Cash advance APR is same as APR for purchases. Rate capped at 17.5%. Earns 1.5% unlimited cash back. |
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.