Central One Credit Union Milford MA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Central One, your trusted financial partner since 1952, located conveniently at 82 Prospect St, Milford, MA 01757. As a proud member of the community, we are dedicated to providing our members with exceptional service and support. Whether you're looking for personal banking solutions or business loans, we have a variety of options tailored just for you. At Central One, we believe in building strong relationships with our members. With over 39,431 members and total assets exceeding $802 million, we are committed to fostering financial growth and stability within our community. Our dedicated team, led by CEO Devon Lyon and Board President Anthony Pini, works tirelessly to ensure you receive personalized attention and support. Our branch is not just a place to manage your finances; it's a hub for community engagement. We understand that every member has unique needs, and we offer services like auto loans, mortgages, and credit cards with rewards to meet those needs effectively. With total deposits of $20,363,356 and a net worth of $77,830,372, our financial strength speaks for itself. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: 82 Prospect St, Milford, MA 1757. If you have any questions or need assistance, feel free to reach out at 508-841-0801 or send us a fax at 508-841-0591. Join us at Central One today and experience the difference that comes with being part of a credit union that truly cares about its members and the community! Visit our website at Central One or come by during our operating hours: Monday through Wednesday and Friday from 8 AM to 4:30 PM; Thursday from 8 AM to 6 PM; Saturday from 8:30 AM to 12 PM. We look forward to welcoming you!

Branch History & Mission

Community Focus

Our commitment extends beyond banking; we actively engage in partnerships with local organizations to support various outreach programs. Whether it's sponsoring educational events or contributing to local charities, Central One is dedicated to making a positive impact in Milford and beyond. We invite you to join us at Central One. Experience firsthand how we prioritize your financial health while fostering a sense of belonging within the community. Visit us today or give us a call at 508-841-0801 to learn more about how we can help you achieve your financial goals!

Our Journey

Our branch has seen many changes since its inception. Starting as a small credit union focused on personal banking, we have expanded our offerings to include auto loans, mortgage financing, and business banking services. Each step of this journey has been guided by our mission: to enhance the financial well-being of our members while supporting the communities we serve. Located at 82 Prospect St, Milford, MA 01757, we are easily accessible for those seeking reliable banking solutions. Not far from local landmarks and surrounded by friendly neighborhoods, our branch is more than just a place for transactions; it's a hub for community engagement. For official correspondence, members can also use our mailing address at 82 Prospect St, Milford, MA 1757.

Our Mission

Central One is committed to empowering our members through personalized financial solutions. Our mission is to provide top-notch banking services while actively participating in community initiatives that uplift and support local residents. We believe that when our members succeed financially, so does the entire community. In today's digital world, we prioritize accessibility and convenience. We offer online and mobile banking options for easy account management and ensure that our facilities are ADA compliant so everyone can access our services without barriers. With an ATM available and drive-thru banking for quick transactions, we strive to make banking simple and efficient for all.

Branch Location & Accessibility

Accessibility Features

At Central One, we prioritize making banking accessible for everyone. Our branch is fully ADA compliant, with ramps and designated parking spaces available. If you have any special needs, don't hesitate to let us know; we're here to help!

Contact Us

Need assistance? Feel free to call us at 508-841-0801 for any questions or concerns. While members can visit us at our branch address, official correspondence should be sent to the same location: 82 Prospect St, Milford, MA. We invite you to stop by Central One today and discover how we can assist you with your financial needs!

Convenient Operating Hours

We understand that life can get busy. That's why our operating hours are designed to fit your schedule. Visit us Monday through Wednesday and Friday from 8:00 AM to 4:30 PM, Thursday until 6:00 PM, or on Saturday from 8:30 AM to 12:00 PM.

Services Offered

Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Our drive-thru service makes quick transactions even easier perfect for those on the go! Plus, enjoy the convenience of ATM access right outside our door.

Member Eligibility

At Central One, we believe that everyone deserves the chance to be part of a caring and supportive community. If you're looking to join us, becoming a member is straightforward and welcoming! Generally, membership is open to individuals who live, work, worship, or attend school in the areas we serve. We warmly invite you to visit our website for the most current details on eligibility criteria. Once you've confirmed your eligibility, opening an account is a breeze! You can start the process online by visiting https://www.centralfcu.org/dbank/live/app/register or simply give us a call at (508) 841-0801 if you have any questions. Our friendly team is here to help guide you every step of the way. By joining Central One, you'll gain access to an array of financial services designed with your needs in mind, all while being part of a community that prioritizes your well-being. We can't wait to welcome you!

Business Banking & Commercial Services

Loan Options That Fuel 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 Simplify Transactions

In today's fast-paced world, having reliable payment options is crucial. Our merchant services offer seamless payment processing that helps your business thrive. Picture a busy retail shop efficiently managing transactions while keeping customers happy. With our services, you can focus on what you do best serving your clients while we handle the rest. Whether you're in Milford or beyond, let Central One be your partner in success. Reach out today at (508) 841-0801 or visit us at 82 Prospect St Milford Ma 01757 to explore how our business banking solutions can help turn your vision into reality.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our branch features an ATM for easy withdrawals and balance checks. Additionally, our drive-thru service allows for quick deposits and withdrawals without leaving your car perfect for those busy days when time is of the essence. At Central One, we're committed to meeting all your financial needs under one roof while providing exceptional customer service every step of the way. Feel free to reach out at (508) 841-0801 if you have questions or want more information about any of our services! We invite you to visit us at Milford, where we make banking personal and convenient!

Business Banking Services

For small business owners, we offer comprehensive business banking solutions, including merchant services and business loans. Starting or expanding a business can be challenging; let us support your vision with financial tools designed specifically for entrepreneurs.

Convenient Digital Banking

In today's fast-paced world, having access to banking services at your fingertips is essential. That's why we provide robust online and mobile banking platforms. With just a few clicks, you can check balances, transfer funds, pay bills, and even make person-to-person payments all from the comfort of your home or on-the-go.

Credit Card Rewards

Looking for a way to make your spending work for you? Our credit cards with rewards allow you to earn points on every purchase, giving you something back while managing everyday expenses. Whether it's cash back or travel rewards, we have options that suit your lifestyle.

Personal Banking Solutions

Whether you're just starting out or looking to manage your finances better, our personal banking options are tailored for you. We offer various checking and savings accounts that cater to different lifestyles and saving habits. Imagine easily accessing your funds whenever needed, whether it's for an unexpected expense or a planned purchase. When it comes to financing your next vehicle, our auto loans and vehicle financing options are designed to help you hit the road without breaking the bank. Picture yourself driving away in a new car, confident that you got the best deal possible. For those considering homeownership, we provide mortgage loans and refinancing solutions. Our team is here to guide you through every step of the process, making it easier than ever to secure the home of your dreams. If you're facing debt challenges, our personal loans and debt consolidation services can help simplify your payments and get back on track financially. We understand life can be unpredictable; having a reliable partner makes all the difference.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer money whenever you need. Need to send money to a friend? Use our convenient person-to-person transfer feature to quickly and easily send funds. Plus, with electronic signature authorization, signing documents is as simple as a click, saving you time and hassle. If you're looking for paperless options, we offer e-statements that are not only eco-friendly but also make it easy to keep track of your finances. You can access your statements securely online, ensuring you have everything at your fingertips without clutter. For those who prefer managing their accounts on the go, our mobile application provides all the features of online banking in the palm of your hand. Whether you're making payments or checking transactions, our app is designed for ease of use.

Security and Support

Your security is our top priority. We implement robust measures to protect your information while providing a smooth banking experience. Our dedicated support team is also here to help if you have questions or need assistance with any feature. Experience the freedom and flexibility that comes with digital banking at Central One. Join us today and discover how easy it is to manage your finances from anywhere!

Financial Strength

At Central One, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that you want to feel confident in your financial institution, and we are proud to share our strong financial position with you. 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. 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. With $76,089,468 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $3,290 in used auto loans and $639,327,996 in total loans and leases. While our current net income is $0, this reflects our commitment to prioritizing member benefits over profits. We also take pride in having 124 full-time employees and 27 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team. Our total share accounts stand at 97,422, showcasing a strong and growing member base that trusts us with their finances. 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 82 Prospect St Milford Ma 01757 or call 508-841-0801 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Options

For business owners looking to expand or invest in their ventures, our outstanding commercial loans totaling $60,382,511 provide the capital needed to grow and thrive. No matter your situation whether personal or business-related our team at Central One is committed to finding the right solution for you. Our branch is conveniently located at 82 Prospect St, Milford MA 01757. Feel free to reach out at 508-841-0801 for more information about our loan products or to schedule an appointment with one of our financial experts. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Central One, we're here to support your journey towards achieving your financial dreams!

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 a brand-new model or a reliable used vehicle, our competitive rates make it easier for you to drive away satisfied.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $160,007,645, make buying or refinancing simple. We aim to provide flexible terms that fit your budget and lifestyle. If you're considering refinancing your current mortgage, we can help you explore eligibility options that may save you money.

Unsecured Credit Card Loans

Managing daily expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $16,114,275 in loans helping members manage their finances effectively. These cards come with competitive rates and no collateral requirements ideal for covering unexpected costs or making purchases when cash flow is tight.

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CENTRAL ONE FEDERAL CREDIT UNION - Milford, MA

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