Central One Credit Union Auburn MA | Best Auto Loans & Business Banking

Introduction

Welcome to Central One, your trusted credit union located at 63 Southbridge St, Auburn, MA 01501. Since our establishment in 1952, we have been dedicated to serving our community, providing reliable financial services tailored to meet the needs of our members. With a strong membership base of 39,431 individuals and total assets exceeding $802 million, we are committed to making a positive impact in the lives of those we serve. At Central One, we pride ourselves on fostering a sense of belonging and support among our members. Our team, led by CEO Devon Lyon and Board President Anthony Pini, works diligently to ensure that every member experiences exceptional service and personalized attention. Whether you're looking for checking and savings accounts, auto loans, or business banking solutions, we offer a comprehensive range of products designed with your financial goals in mind. While you can visit us at our branch in Auburn, please note that all official correspondence should be directed to the same address: 63 Southbridge St, Auburn, MA 1501. We invite you to explore our website at Central One for more information about our services or simply give us a call at 508-832-2100. With total loans amounting to 18,373 and deposits totaling $20,363,356, Central One stands as a pillar of financial strength in the community. Our commitment to transparency is reflected in our impressive net worth of $77,830,372 and cash reserves of $1,937,744, ensuring we are well-equipped to serve our members now and into the future. Join us at Central One Credit Union where your financial success is our priority! Stop by today or reach out with any questions; we're here to help you thrive financially!

Branch History & Mission

Join Us

As we continue on this journey of growth and service excellence, we invite you to join Central One. Experience firsthand the benefits of being a member of a credit union that truly values its community's well-being. Whether you're opening an account or seeking assistance with loans or credit options, we are here for you every step of the way. For any inquiries or assistance, please reach out to us at 508-832-2100 or visit our website at centralfcu.com. Let's build a brighter financial future together!

Our Mission

At Central One, our mission is simple yet powerful: to empower individuals and businesses by providing reliable financial solutions while supporting the community we serve. We believe that every member deserves access to quality financial products such as checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. Our commitment extends beyond just financial services; we strive to enhance the lives of our members through community outreach programs and partnerships aimed at promoting financial literacy and economic well-being. We understand that a strong community leads to stronger families and better futures. We also embrace modern technology to ensure that our services meet the needs of today's world. With online banking options available alongside mobile applications for easy account access, we prioritize both convenience and security for our members.

Branch Location & Accessibility

Nearby Landmarks and Accessibility Features

Located near the bustling heart of Auburn, our branch is easily accessible. Just a short drive from the local shopping centers and near popular spots like the Auburn Mall, we are situated in a prime area that's easy to reach. With ample parking available, including spaces designed for those with disabilities, we strive to ensure everyone can visit us comfortably. Our branch is fully compliant with ADA standards, featuring ramps and accessible entrances. If you prefer not to come inside, we also offer a drive-thru service for your convenience, allowing you to handle basic transactions without leaving your vehicle.

Operating Hours and Services

We know that life can get busy, which is why we've set our operating hours to accommodate your schedule. Our lobby is open Monday through Wednesday and Friday from 8:00 AM to 4:30 PM, Thursday until 6:00 PM, and Saturday mornings from 8:30 AM to 12:00 PM. You can reach us at (508) 832-2100 during these hours for any inquiries or assistance. At Central One, we provide various services designed with you in mind. From checking and savings accounts to auto loans and mortgage refinancing, our team is here to help you navigate your financial journey. Plus, with ATM access available on-site, you can quickly withdraw cash or check your balance anytime.

Visit Us Today!

We invite you to stop by Central One at 63 Southbridge St in Auburn today! Our friendly staff is eager to assist you with all your banking needs. Remember, while members can visit us at this address for all transactions and inquiries, any official correspondence should be sent to the same location as well. We look forward to welcoming you soon!

Member Eligibility

At Central One, we believe that everyone deserves a chance to be part of a welcoming and supportive financial community. If you live, work, or attend school in the area around 63 Southbridge St Auburn Ma 01501, you're already on your way to becoming a member! We strive to make banking accessible and beneficial for all, which is why our membership is open to individuals who meet these simple criteria. Joining us means gaining access to a variety of financial services tailored just for you, including competitive loan rates, personalized support, and convenient online banking options. Starting your journey with Central One is easy! You can find all the details about eligibility and how to become a member by visiting our website at . When you're ready to open an account, simply head over to https://www.centralfcu.org/dbank/live/app/register where you'll find everything you need to get started. If you have any questions or need assistance along the way, don't hesitate to give us a call at (508) 832-2100. We're excited to welcome you into our community!

Business Banking & Commercial Services

Financing Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $233 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $60,382,511, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

Imagine being able to accept payments easily from your customers, whether they're shopping online or in-store. Our merchant services provide the tools you need to facilitate transactions smoothly and efficiently. This means faster payments for your business and happier customers who enjoy a seamless shopping experience. Located at 63 Southbridge St Auburn Ma 01501 in Auburn, MA, we invite you to explore how our tailored solutions can make a difference for your business. Reach out to us at (508) 832-2100 to learn more!

Comprehensive List Of Services

Business Banking Services

For our business members, business banking services including merchant services and business loans are available. We understand how crucial it is for businesses to have reliable financial support. Our solutions are designed to foster growth and stability for small business owners.

Credit Solutions

In addition to these offerings, we also provide personal loans and debt consolidation options. Life can throw unexpected challenges your way, and having access to funds when needed can relieve some stress. Our loans can help you manage those expenses effectively. Our credit cards with rewards offer an excellent way to earn while you spend. Whether it's cash back on groceries or points for travel, you'll appreciate the benefits that come along with responsible credit use.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your finances from anywhere. You can check balances, transfer funds, and pay bills all at your fingertips! Additionally, our ATM services ensure that you have easy access to cash whenever you need it. With basic drive-thru banking for deposits and withdrawals, as well as ATM access for balance checks, banking has never been easier.

Get Started Today!

At Central One, we're committed to providing comprehensive financial services that fit your lifestyle. If you're ready to explore all that we have to offer or if you have questions about specific services, don't hesitate to reach out! Give us a call at (508) 832-2100, visit us in person at our Auburn branch, or check out our website at Auburn. We look forward to helping you achieve your financial goals!

Personal Banking Solutions

When it comes to personal banking, we understand that everyone's financial situation is unique. That's why we offer checking and savings accounts designed for flexibility and convenience. Whether you're saving for a vacation or managing daily expenses, our accounts are built to help you reach your goals. For those looking to finance their next vehicle, our auto loans and vehicle financing options make it simple and straightforward. Imagine driving off in your dream car without the stress of complicated paperwork our team will guide you every step of the way. If you're considering purchasing a home or refinancing your existing mortgage, our mortgage loans and refinancing services can help you find the best rates available. We'll assist you in navigating through the process so that you can focus on making new memories in your new space.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking services are accessible 24/7, allowing you to check your account balances, pay bills, and transfer funds from the comfort of your home or on the go. Simply visit us at Central One to get started. Whether you need to send money to a friend using our person-to-person transfer feature or access your statements electronically, we've got you covered. You can also enjoy the convenience of e-statements, which means no more paper clutter! With electronic signatures available, signing documents is quick and hassle-free. Plus, our mobile application makes it easy for you to manage your accounts right from your smartphone perfect for busy days when you're always on the move.

Security and Accessibility

At Central One, security is our top priority. Our online banking platform employs advanced encryption technology to keep your information safe. You can feel confident knowing that your financial data is protected while you handle transactions online. Whether you're transferring money between accounts or setting up automatic payments, our intuitive interface ensures that everything is straightforward. No complicated processes here just simple and effective solutions for your banking needs. With all these features at your fingertips, managing your finances has never been more accessible or efficient. Join us at Central One today and experience the ease of digital banking designed with you in mind!

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $76,089,468 in undivided earnings. These funds allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We have extended our lending capacity with $3,290 in used auto loans and a total of $639,327,996 across various loans and leases, supporting your financial goals.

Operational Efficiency

Our operational efficiency shines through with a reported $0. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 124 full-time employees and 27 part-time employees who ensure that our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $241,163,332 in share certificates and $123,252,775 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,216,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $77,830,372, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $969 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built Over Time

With 97,422 total share accounts, we have built a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, reflecting our ability to support your needs effectively. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Central One is your trusted partner. Visit us at 63 Southbridge St Auburn Ma 01501 or call (508) 832-2100 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $49,745,796 in used vehicle loans and $16,449,453 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Business Financing

For business owners looking to expand or improve cash flow, our outstanding commercial loans totaling $60,382,511 provide the capital needed for growth and innovation. We understand the demands of running a business and are committed to supporting our local entrepreneurs. At Central One located at 63 Southbridge St Auburn Ma 01501, we're dedicated to providing personalized service that puts your needs first. If you're interested in learning more about our loan products or would like assistance with your application process, don't hesitate to reach out at 508-832-2100. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $160,007,645, making it easier for you to invest in your dream home. Plus, if you're considering refinancing your current mortgage, we can help you explore eligibility options that might save you money.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $16,114,275 in unsecured credit card loans helping members manage their finances effectively, you can enjoy peace of mind knowing that you have support when you need it most.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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CENTRAL ONE FEDERAL CREDIT UNION - Auburn, MA