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Worcester Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.worcestercu.com
508-853-9966
520 W Boylston St
Worcester, MA 01606

Worcester Credit Union is headquartered in Worcester and is the 59th largest credit union in the state of Massachusetts. It is also the 1,810th largest credit union in the nation. It was established in 1976 and as of March of 2025, it had grown to 14 employees and 7,645 members at 1 location. Worcester Credit Union's money market rates are 7X the national average, and it has an A 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.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #64144
Year Chartered1976
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD1.34%
Return on Equity - YTD14.2%
Annual Interest Income$1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$102.7MM$99.5MM
LoansQ1 2025vs Q1 2024$62.3MM$58.7MM
DepositsQ1 2025vs Q1 2024$92.1MM$90.6MM
Equity CapitalQ1 2025vs Q1 2024$9.5MM$8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$348K$297K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$391K$648K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$0$50kKasasa Saver
OTHER TIERS: 0.25% → $50k+
0.10%$0-Holiday Club
0.10%$0-Vacation Club
0.05%$0-Savings Account

Worcester Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$250k*$500kVIP Money Market
OTHER TIERS: 0.05% → $0+ | 1.25% → $15k - $50k | 1.75% → $50k - $100k | 2.25% → $100k - $250k
0.10%*$50k*-Money Market Account
OTHER TIERS: 0.05% → $0 - $50k
0.10%*$50k*-Business Money Market
OTHER TIERS: 0.05% → $0 - $50k

Worcester Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$0$25kKasasa Cash
0.05%$5k-Business Premier Checking

Worcester Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k$250k7 Month CD Special
3.80%$500-9 Month CD Special
3.75%$25-24 Month Hybrid CD w/ Checking
3.30%$500-24 Month CD
3.00%$500-36 Month CD
3.00%$500-60 Month CD
0.20%$500-12 Month CD
0.20%$1k-Business 12 Month CD
0.10%$500-6 Month CD

Worcester Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k$250k7 Month IRA Special
3.80%$500-9 Month IRA Special
3.30%$500-24 Month IRA
3.00%$500-36 Month IRA
3.00%$500-60 Month IRA
0.20%$500-12 Month IRA
0.05%$0-IRA Savings Account
Locations


Worcester Credit Union Locations
Branch Office520 W Boylston StWorcester, MA 01606-2026

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