As a Massachusetts-based financial institution, we take pride in our deep roots in the communities we serve. Our local team understands your unique financial needs and is committed to helping you achieve your goals with our tailored products and services. We're committed to staying in and serving Massachusetts for the long haul. 
 
Joining is easy—all you need to do is open an account with us! You can become a Central One member if you live, work, worship, volunteer, own a business, or attend school in Worcester County or parts of Middlesex and Norfolk counties. Family members of existing members are also eligible. As a not-for-profit financial institution, we reinvest our profits to offer better savings rates, lower loan rates, and more resources to help you achieve your goals.




Discover why our members rave about us

Our members consistently rate their experience with us as exceptional, giving us an Average Customer Rating of 4.9 out of 5*. Our commitment to unparalleled customer service isn't just a promise—it's our passion. Don't take it from us - hear what our members have to say!
 
 

 Read our reviews 



 
  
  
 


Local bank feel with big bank capabilities

Our dependable and user-friendly mobile banking app is rated 4.8 stars on the Apple App store based on 1.8K reviews. Plus, we offer all the features and benefits you've come to expect, including:

  • Card Control App
  • Contactless ATMs 
  • Mobile Wallets, Mobile Deposit, Online Bill Pay, Online Loan Payments
  • Top-rated, free online and mobile financial literacy programs

Join Central One and bring your banking with you wherever you go!
 






Here for you locally, with easy access to your cash from anywhere

With our full-service branches and our Member Support Center located locally in Massachusetts, you have the comfort of knowing we're nearby if you need us. The best part? You have easy access to your cash regardless of where you are in the U.S. through over 5,000 branch locations of the Shared Branch Network. Plus, members have access to over 55,000 ATMs nationwide through the SUM and AllPoint ATM networks.