Central One Credit Union Northborough MA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Central One, your trusted financial partner located at 148 Main St, Northborough, MA 01532. Since our establishment in 1952, we have proudly served our community, growing to a strong membership of 39,431 members. At Central One, we believe in putting our members first, providing not just banking services but also a commitment to enhancing the financial well-being of everyone we serve. With total assets of $802,270,966 and deposits amounting to $20,363,356, we are dedicated to ensuring that your money is safe and well-managed. Our diverse range of services includes personal banking options such as checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and even business banking solutions. We understand that every member has unique needs; that's why we offer tailored financial products designed to help you achieve your goals. Led by CEO Devon Lyon and Board President Anthony Pini, our team is passionate about supporting you on your financial journey. With a committed staff of 151 employees, we're here to provide personalized service and expert advice. Whether you're visiting us in person or connecting through our online platforms at Central One, you can trust that we're working hard for you. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 148 Main St, Northborough, MA 1532. Explore how we can assist you today! Call us at 508-393-8112 or stop by during our lobby hours: Monday through Wednesday and Friday from 8:00 AM to 4:30 PM, Thursday until 6:00 PM, and Saturday from 8:30 AM to 12:00 PM. Let's work together towards a brighter financial future!

Branch History & Mission

Community Commitment

At Central One, we understand that our success is tied closely to the well-being of the community we serve. That's why we actively participate in local events and initiatives designed to uplift Northborough residents. Whether it's sponsoring youth sports teams or hosting financial literacy workshops, we're dedicated to making a positive impact.

Join Us

We invite you to experience all that Central One has to offer. With operating hours tailored to fit your schedule Monday through Wednesday and Friday from 8 AM to 4:30 PM, Thursday until 6 PM, and Saturday from 8:30 AM to noon we are here when you need us most. If you're looking for a trusted partner in your financial journey, look no further than Central One. Visit our website at centralfcu.com or give us a call at (508) 393-8112 today! Together, let's build a brighter financial future for you and our community.

Our Evolution

Central One started as a small credit union focused on helping local members achieve their financial goals. Over the years, we have evolved significantly. As our community grew, so did our services. We now offer a wide range of personal banking options, including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our dedication to innovation has led us to embrace digital advancements like online banking and mobile applications to provide convenient access to financial services.

Our Mission

Our mission is simple yet powerful: to enhance the financial well-being of our members while fostering a sense of community. We believe in providing not just financial products but also valuable support that empowers individuals and families. This mission drives us every day as we engage in partnerships with local organizations and participate in community outreach efforts. While members can visit us at 148 Main St., official correspondence should be sent to the same address. Our branch is easily accessible and includes drive-thru banking options for your convenience. We're proud to offer an ATM on-site for quick transactions.

Branch Location & Accessibility

Convenient Access

Our branch features ample parking spaces, making it simple for you to stop by for all your banking tasks. With ADA-compliant access and ramps available, we ensure that everyone can visit us comfortably. If you prefer not to enter the building, take advantage of our drive-thru service for quick deposits and withdrawals all designed to save you time!

Join Us Today!

We invite you to come by and experience the welcoming atmosphere of Central One. Whether you're a long-time member or looking to join our family, we're here to help with all your financial needs. Stop in today or give us a call!

Operating Hours

At Central One, we know your time is valuable. That's why we're open during convenient hours: Monday, Tuesday, Wednesday, and Friday from 8:00 AM to 4:30 PM, Thursday until 6:00 PM, and Saturday from 8:30 AM to 12:00 PM. Whether you're stopping by during your lunch break or on the weekend, we're here for you.

Services Offered

We offer a variety of services tailored to fit your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Our ATM is available for quick cash withdrawals and balance checks anytime you need it. Plus, our credit cards come with rewarding benefits! While members can visit us at 148 Main St., official correspondence should be sent to the same address as there's no separate mailing address. For any questions or assistance, don't hesitate to call us at 508-393-8112.

Member Eligibility

Joining the Central One family means stepping into a community where your financial well-being is our top priority. At Central One, located at 148 Main St, Northborough, MA 01532, we welcome anyone who lives, works, or worships in the area to become a member. It's as simple as that! Whether you're looking for personal banking services, auto loans, or credit cards with rewards, you'll find a wealth of options tailored just for you. To learn more about the specific eligibility criteria, feel free to check out this resource. When you're ready to open an account and start enjoying the benefits of membership, visit us online at this link or give us a call at 508-393-8112. We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer robust merchant services that make everyday transactions easier. Imagine being able to accept payments seamlessly whether in-store or online allowing you to focus on what you do best: running your business. Our services include everything from point-of-sale systems to payment processing solutions tailored for your specific needs. Located at 148 Main St Northborough Ma 01532 in Northborough, MA, we are here to partner with you every step of the way. Let's build a brighter future together! For more information, give us a call at (508) 393-8112 or visit our website at Central One.

Tailored Loan Options

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.

Comprehensive List Of Services

Convenient Banking Options

We know that convenience is key in today's fast-paced world. That's why we provide robust Online & Mobile Banking features. From paying bills electronically to making person-to-person payments, managing your finances has never been easier. If you prefer traditional banking methods, our branch offers ATM & Cash Withdrawal Services, along with basic drive-thru banking for quick deposits and withdrawals. We strive to keep things simple and efficient so you can focus on what truly matters.

Financial Solutions for Every Need

In addition to these services, we also offer Personal Loans & Debt Consolidation solutions for members looking to manage their debts more effectively. Our credit cards come with rewards that benefit your everyday purchases, helping you save while you spend. For business owners, our Business Banking services include merchant services and business loans tailored to help your enterprise thrive. We recognize the challenges of running a business, and we're committed to being a supportive partner.

Personal Banking Made Easy

Our personal banking services are designed with you in mind. If you're looking to manage your day-to-day finances, our Checking & Savings Accounts offer flexible options that fit various lifestyles. You can easily access your accounts online or through our mobile banking app, making it simple to check balances and transfer funds at your convenience. When it comes to purchasing a new car, our Auto Loans & Vehicle Financing options ensure you get the best rates possible. Imagine driving off in your dream vehicle without the stress of complicated financing our team is here to help make that happen. For those considering homeownership or refinancing, our Mortgage Loans & Refinancing services provide competitive rates and personalized guidance throughout the process. We understand that buying a home is a significant step, and we want to support you every step of the way.

Visit Us Today!

At Central One, we're not just about transactions; we're about building lasting relationships with our members. With our comprehensive list of services designed for both individuals and businesses, we invite you to explore how we can assist you in reaching your financial goals. Feel free to call us at (508) 393-8112 or visit us at Northborough-148 Main St. for more information about any service that piques your interest. We look forward to serving you!

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. Whether you're using a computer or our mobile application, you'll find it easy to stay connected to your accounts. Plus, with electronic signature authorization, signing documents has never been simpler and faster no need for paper! For those who prefer going green, we offer e-statements that let you view your account statements digitally. Not only does this save trees, but it also makes keeping track of your finances more straightforward. If you ever need to send money to friends or family quickly, our person-to-person transfer feature allows you to do just that with just a few taps on your phone or clicks on your screen. Although we currently do not support mobile payments, our dedicated mobile app ensures that all other banking needs are just a click away.

Security and Accessibility

Your safety is our top priority. We employ robust security measures to protect your information while making sure that accessing your accounts remains hassle-free. Our online banking platform is designed with ease-of-use in mind, so whether you're tech-savvy or just starting out with online banking, you'll feel right at home. Experience the freedom of managing your finances on your terms with Central One's digital and online banking services! For more information or to get started today, visit us at https://www.centralfcu.com/ .

Financial Strength

Committed Team

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 and committed team. Total Share Accounts stand at 97,422, showing 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 148 Main St Northborough MA 01532 or call 508-393-8112 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Operational Efficiency

Our net income of $0 reflects our operational efficiency; this means we can continue offering competitive loan rates and solid financial products for our members without compromising quality or service.

Reinvestment for Better Services

With $76,089,468 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We support your financial goals with $3,290 in used auto loans and a total of $639,327,996 in loans and leases across various sectors.

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 9.69% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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, we provide flexible options to suit your needs.

Business Financing

For business owners looking to expand their operations, we have outstanding commercial loans totaling $60,382,511. These loans can provide the capital necessary for growth and development in your business ventures. At Central One Credit Union, we're committed to providing personalized service tailored to your unique financial situation. Our team is ready to assist you with understanding eligibility requirements and exploring refinancing options if needed. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today or call us at 508-393-8112 to learn more about how we can assist you in reaching your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $160,007,645, we're here to guide you through every step of the process. We also offer refinancing options to help you lower your monthly payments or access cash for other expenses.

Unsecured Credit Card Loans

For those needing extra flexibility in managing finances, we provide unsecured credit card loans with a total of $16,114,275 available. These cards come with competitive terms and can help you handle unexpected expenses or even consolidate existing debt.

Loan Aggregator

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CENTRAL ONE FEDERAL CREDIT UNION - Northborough, MA