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    Credit union mortgage rates
    Home state: Massachusetts
    Lends in 1 state

    CENTRAL ONE mortgage rates

    CENTRAL ONE's lowest publicly advertised 30-year fixed rate today is 6.988% APR — the national average is 7.147%. That's about $15,419 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read CENTRAL ONE's rates every weekday, starting around 11 a.m. Central.

    We last read CENTRAL ONE's rates page on Nov 2, 2026.

    Today's rates from CENTRAL ONE

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.988%2Nov 2, 2026Visit
    20 Year Fixed6.25%6.555%2Nov 2, 2026Visit
    15 Year Fixed6%6.379%2Nov 2, 2026Visit
    10 Year Fixed5.625%6.156%2Nov 2, 2026Visit
    7 Year Fixed5.875%6.299%1Nov 2, 2026Visit
    3 Year ARM5.99%6.836%—Nov 2, 2026Visit
    5 Year ARM6%6.476%—Nov 2, 2026Visit
    10 Year ARM6.49%6.803%—Nov 2, 2026Visit
    15 Year ARM7%7.167%—Nov 2, 2026Visit
    VA 30 Year Fixed7.75%8.068%—Nov 2, 2026Visit
    1 Year ARM5.74%6.642%—Nov 2, 2026Visit
    7 Year Fixed Refinance—Lender publishes APR only6.5%—Nov 2, 2026Visit
    Visit CENTRAL ONE's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join CENTRAL ONE

    Membership at Central One Federal Credit Union is open to anyone who lives, works, worships, volunteers, or attends school in Worcester County or parts of Middlesex and Norfolk counties in Massachusetts. Businesses and organizations within these counties are also eligible. Immediate family or household members of existing members may also join.

    County
    Worcester County, MA, Middlesex County, MA, Norfolk County, MA

    Where CENTRAL ONE writes mortgages

    CENTRAL ONE publishes mortgage lending in 1 state.

    Massachusetts

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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