Common Trust Federal Credit Union

Overview / Commentary
8 Cedar St
Woburn, MA 01801-7246

Common Trust Federal Credit Union is headquartered in Woburn and is the 72nd largest credit union in the state of Massachusetts. It is also the 2,444th largest credit union in the nation. It was established in 1966 and as of June of 2019, it had grown to 8 employees and 3,025 members at 1 location. Common Trust Federal Credit Union's CD rates are 2X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees of the municipality of Woburn and to employees of companies associated with the Woburn Business Association.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Common Trust Federal Credit Union has a low asset base.

Health Grade Components

NCUA #17847
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD0.09%
Return on Equity - YTD1.02%
Annual Interest Income$696.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$45.0MM$45.1MM
LoansQ2 2019vs Q2 2018$21.8MM$16.4MM
DepositsQ2 2019vs Q2 2018$37.7MM$39.7MM
Equity CapitalQ2 2019vs Q2 2018$3.9MM$3.8MM
Loan Loss AllowanceQ2 2019vs Q2 2018$80.00K$70.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$61.00K$310.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Common Trust Federal Credit Union Savings Account Rates

0.20%--IRA Accounts
0.05%--Regular Shares
0.05%--Vacation Clubs
0.05%--All-Purpose Clubs
0.05%$50-Holiday Share

Common Trust Federal Credit Union Money Market Rates

0.30%*$100k*-Share Money Market
OTHER TIERS: 0.05% $50 - $2.5k | 0.08% $2.5k - $10k | 0.10% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k

Common Trust Federal Credit Union CD Rates

1.87%$500-12 Month CD
1.66%$500-18 Month CD
1.61%$500-24 Month CD
1.56%$500-9 Month CD
1.56%$500-36 Month CD
1.51%$500-6 Month CD

Common Trust Federal Credit Union IRA Rates

1.87%$500-12 Month IRA
1.66%$500-18 Month IRA
1.61%$500-24 Month IRA
1.56%$500-36 Month IRA
1.56%$500-9 Month IRA
1.51%$500-6 Month IRA

Common Trust Federal Credit Union Locations
Branch Office8 Cedar StWoburn, MA 01801-7246

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