Community Heroes and Community Experts Programs
Community Heroes Program Serves
• Law Enforcement
• Firefighters
• Educators
• Medical
Community Experts Program Serves
• CPAs
• Architects
• Ph.Ds
• Actuaries
Interested in an FHA loan?
Call us to see if you qualify and for more information
Contact Us or call a Lending Specialist
Terms and conditions apply. Ask for details.
Other Military Offers
Veterans and active military members financing with a non-VA loan through Central One can receive $500 credit** on closing costs for new and refinanced home loans.
Contact Us or call a Lending Specialist
**$500 savings for using one of the local realtors may not be combined with our no-closing-cost program or other Central One Federal Credit Union programs. Terms and conditions apply. Ask for details.
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Latest Rates
All Rates24 Month
as low as 5.12 % APR36 Month
as low as 5.62 % APR48 Month
as low as 5.74 % APRRates as low as 5.12% APR**
Monthly Payment
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Community Heroes Program Serves
Benefits:
- As little as 1% down payment, gifts and grants allowed
- Lower PMI fees
- Community heroes that are first time home buyers, may be eligible for additional discounts
In order to qualify you must meet the following qualifications:
- 740+ FICO Score
- Purchase a home with one of our Adjustable Rate Mortgages
- Detached or attached-single family home or condominium
- Primary residence, owner-occupied property
Community Experts Program Serves
Benefits:
- 0% down payment, gifts and grants allowed
- Lower PMI fees
In order to qualify, you must meet the following qualifications:
- 740+ FICO Score
- Purchase a home with one of our Adjustable Rate Mortgages
- Detached or attached-single family home or condominium
- Primary residence, owner-occupied propert
Law Enforcement
Law Enforcement (Police Officer, Corrections Officer, State Trooper, County Sheriff, Border Patrol)
Firefighters
Firefighters (Paid and Volunteer)
Educators
Educators (Private and Public)
Medical
Medical (Nurses, Home Health Providers and Agencies, Assisted Living Facilities, Skilled Nursing Facilities, Inpatient/Outpatient Clinics and Centers, CNA’s, EMT, Paramedics)
Veteran and Active Military Programs
Features and benefits:
- 0% down payment
- No PMI required
- No prepayment penalty
- Valid for refinancing
- If veteran benefits have been previously used, remaining benefits can be applied
You may be eligible for a 15 or 30 year Fixed Rate VA* Home Loan if:
- You have served 90 consecutive days of active service during wartime, OR
- You have served 181 days of active service during peacetime, OR
- You have more than 6 years of service in the National Guard or Reserves, OR
- You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability
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Rates effective as of: April 4, 2025
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Ice Cream Day Dates
All Ice Cream Day events are from 4:00 – 6:00 pm.
June 12th- Auburn Branch, 63 Southbridge Street
July 24th- Westborough Branch, 40 South Street
July 31st- Milford Branch, 82 Prospect Street
August 7th- Northborough Branch, 148 Main Street
August 28th- Shrewsbury Branch, 714 Main Street
August 15th- Worcester (Saint Vincent Hospital) Branch – We’ll be serving Goody’s Kettle Corn at the branch all day!
Food Truck Dates
All Food Truck Events are from 11:00 am – 1:00 pm.
July 12th- Westborough Branch, 40 South Street: Tacoborough Food Truck
August 9th- Shrewsbury Branch, 714 Main Street: Savage Wraps Food Truck
August 14th- Worcester (Saint Vincent Hospital) Branch – Garden Fresh sandwiches in-branch
August 23rd- Auburn Branch, 63 Southbridge Street: Bird’s Nest Panini Food Truck
September 6th- Northborough Branch, 148 Main Street: Tacoborough Food Truck
Milford – Off the Hook
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