Featured Savings Rates
Featured Accounts

Workers' Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.75%Reward CheckingXtreme Checking
1.90%5-year CD60 Month Non-Relationship CD
1.05%1-year CD12 Month Online CD

Overview / Commentary
978-345-1021
815 Main St
Fitchburg, MA 01420

Workers' Credit Union is headquartered in Fitchburg and is the 4th largest credit union in the state of Massachusetts. It is also the 158th largest credit union in the nation. It was established in 1914 and as of December of 2016, it had grown to 235 employees and 91,197 members at 16 locations. Workers' Credit Union's savings rates are 44% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Workers' Credit Union is open to those who live or work in the state of Massachusetts.
See current membership details

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Reviews (3)

Look No Further For A Great Credit Union!

I've had a good experience with WCU for several years. Customer service representatives are knowledgeable and if they can't help you directly, they will see that direct you to someone who can help you. They offer competitive interest rates, and their online banking is pretty easy to use. Depositing checks via smartphone is a nice feature, though at times it can be difficult to picture the check just right, but this isn't enough for me to take off a star for web/mobile rating.

Help When You Need It

I've been a member of this credit union for a little over 10 years. I chose them when I decided to open my first bank account because they didn't have any minimum balance requirements or monthly maintenance charges. The one fee that I did come across was an ATM fee if you used your card at a different bank's ATM more than five times per month. Also, you had to have a savings account set up with a minimum balance for $25.
This bank has an overdraft policy that allows its members to overdraft their checking account for a fee of $30. When my husband lost his job, I found myself using this feature to cover necessary purchases between my bi-weekly paychecks. A short while later, I also lost my full-time position and ended up with only a part-time position. My bank account ended up being over-drafted for more than 30 days and the bank was just going to close my account. Instead, I went into my local branch and spoke to one of the tellers about my options. Even though I was extremely embarrassed about the situation, the woman I spoke with did not make me feel ashamed or stupid for letting this happen. She took the time to explain to me about their Fresh Start program that brings your bank balance back to zero, keeps your bank account open and functioning, and allows you to pay off the amount of money that was negative in small weekly installments. I decided that this program was my best option, and the woman helped me fill out all the paperwork. Before I left the bank that day I was all set up on the program, with one less thing to worry about. This bank cares about its members and will try to do its best to help you out if you need it.

Home Of The Takeaway Program

Worst credit union. Try dcu or athol savings or St marys. Just aask me why



Health

Health Grade Components

Overall
NCUA #66479
Year Chartered1914
Employees235
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD8.17%
Annual Interest Income$56.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$1.50B$1.31B
LoansQ4 2016vs Q4 2015$1.06B$941.1MM
DepositsQ4 2016vs Q4 2015$989.6MM$869.7MM
Equity CapitalQ4 2016vs Q4 2015$160.9MM$154.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$11.4MM$5.7MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$8.5MM$10.0MM
Real Estate OwnedQ4 2016vs Q4 2015$449.00K$489.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Workers' Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$50-cuSave - Online Savings
0.75%$25-Student Savings
0.60%*$50k*-Business Premium Savings
OTHER TIERS: 0.20% $50 - $1k | 0.40% $1k - $50k
0.40%*$50k*-Big Picture Super Savings
OTHER TIERS: 0.10% $50 - $1k | 0.30% $1k - $50k
0.10%$50-Share Savings (statement/passbook)
0.10%$50-IRA Savings Account
0.10%--Club Account
0.10%$50-Business Savings (statement/passbook)

Workers' Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-Personal Money Market Account (statement)
OTHER TIERS: 0.20% $25 - $10k | 0.25% $10k - $50k
0.30%*$50k*-Business Money Market Account (statement)
OTHER TIERS: 0.20% $25 - $10k | 0.25% $10k - $50k

Workers' Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*-$25kXtreme Checking
OTHER TIERS: 0.40% $25k+
0.10%$25-Big Picture Checking
0.10%$25-Interest Checking
0.10%$25-Business Checking

Workers' Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%*$25k*-72 Month Member Relationship CD
OTHER TIERS: 2.20% $500 - $25k
2.20%*$25k*-72 Month Non-Relationship CD
OTHER TIERS: 2.10% $500 - $25k
2.00%*$25k*-60 Month Member Relationship CD
OTHER TIERS: 1.90% $500 - $25k
1.90%*$25k*-60 Month Non-Relationship CD
OTHER TIERS: 1.80% $500 - $25k
1.85%*$25k*-48 Month Member Relationship CD
OTHER TIERS: 1.75% $500 - $25k
1.75%*$25k*-48 Month Non-Relationship CD
OTHER TIERS: 1.65% $500 - $25k
1.70%*$25k*-36 Month Member Relationship CD
OTHER TIERS: 1.60% $500 - $25k
1.60%*$25k*-36 Month Non-Relationship CD
OTHER TIERS: 1.50% $500 - $25k
1.40%*$25k*-24 Month Member Relationship CD
OTHER TIERS: 1.30% $500 - $25k
1.30%*$25k*-24 Month Non-Relationship CD
OTHER TIERS: 1.20% $500 - $25k
1.25%*$25k*-18 Month Member Relationship CD
OTHER TIERS: 1.15% $500 - $25k
1.15%*$25k*-12 Month Member Relationship CD
OTHER TIERS: 1.05% $500 - $25k
1.15%*$25k*-18 Month Non-Relationship CD
OTHER TIERS: 1.05% $500 - $25k
1.15%$500-24 Month Online CD
1.05%*$25k*-12 Month Non-Relationship CD
OTHER TIERS: 0.95% $500 - $25k
1.05%$500-12 Month Online CD
0.75%*$25k*-6 Month Member Relationship CD
OTHER TIERS: 0.65% $500 - $25k
0.75%$500-6 Month Online CD
0.70%$500-6 Month Business CD Special
0.65%*$25k*-6 Month Non-Relationship CD
OTHER TIERS: 0.55% $500 - $25k
0.60%*$25k*-3 Month Member Relationship CD
OTHER TIERS: 0.50% $500 - $25k
0.50%*$25k*-3 Month Non-Relationship CD
OTHER TIERS: 0.40% $500 - $25k

Workers' Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%*$25k*-72 Month Member Relationship IRA
OTHER TIERS: 2.20% $500 - $25k
2.20%*$25k*-72 Month Non-Relationship IRA
OTHER TIERS: 2.10% $500 - $25k
2.00%*$25k*-60 Month Member Relationship IRA
OTHER TIERS: 1.90% $500 - $25k
1.90%*$25k*-60 Month Non-Relationship IRA
OTHER TIERS: 1.80% $500 - $25k
1.85%*$25k*-48 Month Member Relationship IRA
OTHER TIERS: 1.75% $500 - $25k
1.75%*$25k*-48 Month Non-Relationship IRA
OTHER TIERS: 1.65% $500 - $25k
1.70%*$25k*-36 Month Member Relationship IRA
OTHER TIERS: 1.60% $500 - $25k
1.60%*$25k*-36 Month Non-Relationship IRA
OTHER TIERS: 1.50% $500 - $25k
1.40%*$25k*-24 Month Member Relationship IRA
OTHER TIERS: 1.30% $500 - $25k
1.30%*$25k*-24 Month Non-Relationship IRA
OTHER TIERS: 1.20% $500 - $25k
1.25%*$25k*-18 Month Member Relationship IRA
OTHER TIERS: 1.15% $500 - $25k
1.15%*$25k*-12 Month Member Relationship IRA
OTHER TIERS: 1.05% $500 - $25k
1.15%*$25k*-18 Month Non-Relationship IRA
OTHER TIERS: 1.05% $500 - $25k
1.05%*$25k*-12 Month Non-Relationship IRA
OTHER TIERS: 0.95% $500 - $25k
0.75%*$25k*-6 Month Member Relationship IRA
OTHER TIERS: 0.65% $500 - $25k
0.65%*$25k*-6 Month Non-Relationship IRA
OTHER TIERS: 0.55% $500 - $25k
Locations

Workers' Credit Union has 16 locations. Click to view all Workers' Credit Union locations.