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Overview / Commentary
520 W Boylston St
Worcester, MA 01606

Worcester Credit Union is headquartered in Worcester and is the 61st largest credit union in the state of Massachusetts. It is also the 1,806th largest credit union in the nation. It was established in 1976 and as of December of 2017, it had grown to 21 employees and 7,346 members at 2 locations. Worcester Credit Union's CD rates are 39% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, attend school or work in the city of Worcester or the towns of Boylston, Auburn, Holden, Grafton, Leicester, Paxton, Millbury, Shrewsbury, or West Boylston. Membership is also open to federal, state and municipal employees, employees of private or regional school systems, and elected or appointed officials in a government organization, all in Worcester County.
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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. Worcester Credit Union has a relatively low asset base.

Health Grade Components

NCUA #64144
Year Chartered1976
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3.05%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$80.8MM$78.4MM
LoansQ4 2017vs Q4 2016$55.2MM$50.8MM
DepositsQ4 2017vs Q4 2016$70.0MM$70.7MM
Equity CapitalQ4 2017vs Q4 2016$7.6MM$7.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$221.00K$177.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$451.00K$261.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$107.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Worcester Credit Union Savings Account Rates

0.10%--Savings Account
0.10%--Club Account
0.10%--IRA Savings Account
0.10%--Business Savings

Worcester Credit Union Money Market Rates

0.50%*$50k*-Money Market Account
OTHER TIERS: 0.25% Up to $20k | 0.35% $20k - $50k
0.50%*$50k*-Business Money Market
OTHER TIERS: 0.25% Up to $20k | 0.35% $20k - $50k

Worcester Credit Union Checking Account Rates

0.10%$500-Preferred Checking
0.10%$5k-Business Premier Checking

Worcester Credit Union CD Rates

2.00%$500-36 Month CD Special
1.35%$500-24 Month CD
1.25%$500-12 Month CD
1.25%$1k-Business 12 Month CD
1.00%$500-6 Month CD

Worcester Credit Union IRA Rates

2.00%$500-36 Month IRA
1.35%$500-24 Month IRA
1.25%$500-12 Month IRA

Worcester Credit Union Locations
Branch Office1 Skyline DrWorcester, MA 01605
Branch Office520 W Boylston StWorcester, MA 01606-2026