Credit union · NCUA insured
Central One Federal Credit Union Savings Rates
Central One Federal Credit Union’s best savings rate is 1.10% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Central One Federal Credit Union’s savings 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
1.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $110
Money Market
Top rate
Clinton Savings Bank
3.85%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $385
2nd-highest rate
Country Bank for Savings
3.60%APY
- Requires
- Another account
- Minimum
- $10
- Earns on $10,000 a year
- $360
Central One Federal Credit Union savings score
87
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0001.10%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0001.60%
- QualifiedQualified1.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Tiered Money Market
1.10%APY
Tiered rate account. If balance is within a particular tier, the rate specified for that tier applies to the full balance in the account. No monthly service charge. One free withdrawal/transfer per month ($10.00 fee per excess withdrawal/transfer).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier rate applies to the full balance. Dividends compounded and credited quarterly. | 1.05% | — | Tier rate applies to the full balance. Dividends compounded and credited quarterly. |
| $10,000 – $50,000Tier rate applies to the full balance. Dividends compounded and credited quarterly. | 1.10% | $110 | Tier rate applies to the full balance. Dividends compounded and credited quarterly. |
| $50,000 – $100,000Tier rate applies to the full balance. Dividends compounded and credited quarterly. | 1.20% | — | Tier rate applies to the full balance. Dividends compounded and credited quarterly. |
| $100,000 and upTier rate applies to the full balance. Dividends compounded and credited quarterly. | 1.60% | — | Tier rate applies to the full balance. Dividends compounded and credited quarterly. |
Sources (2)
All captured Oct 15, 2026
Money Market
1.10%APY
No minimum balance, no monthly fees. Unlimited deposits. Up to 3 free covered withdrawals or transfers per month ($10.00 fee per excess withdrawal/transfer). Variable rate account, rates subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. Up to 3 covered transactions/transfers per month ($10.00 fee per excess withdrawal/transfer).Any balance | 1.10% | $110 | Dividends compounded and credited quarterly. Up to 3 covered transactions/transfers per month ($10.00 fee per excess withdrawal/transfer). |
Sources (2)
All captured Oct 15, 2026
Regular Savings Account
0.05%APY
Regular Savings account. Dividends compound quarterly. Minimum opening deposit starts with a $5 membership share. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound quarterly. Variable rate account.Any balance | 0.05% | $5 | Dividends compound quarterly. Variable rate account. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Coverdell Education Savings Account (CESA)
0.05%APY
Coverdell Education Savings account. Dividends compounded and credited quarterly. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. Variable rate account.Any balance | 0.05% | $5 | Dividends compounded and credited quarterly. Variable rate account. |
Sources (2)
All captured Oct 15, 2026
Stash Savings
0.05%APY
Youth savings account. Dividends compounded and credited quarterly. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. Variable rate account.Any balance | 0.05% | $5 | Dividends compounded and credited quarterly. Variable rate account. |
Sources (2)
All captured Oct 15, 2026
Traditional Roth IRA Share
0.05%APY
Choose from Traditional and Roth IRAs. Dividends compounded and credited quarterly. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. Variable rate account.Any balance | 0.05% | $5 | Dividends compounded and credited quarterly. Variable rate account. |
Sources (2)
All captured Oct 15, 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.