Workers Credit Union

Overview / Commentary
119 Russell St
Littleton, MA 01460

Workers Credit Union is headquartered in Littleton and is the 4th largest credit union in the state of Massachusetts. It is also the 168th largest credit union in the nation. It was established in 1914 and as of June of 2023, it had grown to 366 employees and 125,391 members at 18 locations. Workers Credit Union's savings rates are 7X the national average, but it has a C- health rating.

Field of Membership Restrictions

Membership in Workers Credit Union is open to anyone by joining the Financial Fitness Association or through a $5 contribution to United Way of North Central MA (membership fee and $5 contribution will be paid for by Workers Credit Union). Individuals who live, work, worship, or attend school in Lowell or Worcester (Massachusetts) are also eligible to join. Employees/retirees of 12 participating employers also qualify, as do their immediate family and household members.
See current membership details

Related Posts

Workers Credit Union Significantly Ups 36-Month and 60-Month CD Rates - 11/9/2023

Workers Credit Union (easy membership) has significantly increased the APYs on its 36-month and 60-month CDs to rate-leading levels. $500 minimum opening deposit.

Various CDs From 9-60 Months Maxing Out At 5.5% APY For 36 Months - 11/8/2023

Received an email stating that the following CDs are available starting today November 8th, 2023 Rate APY 9-month - Open Now 5.23% 5.25% 18-Month - Open Now 5.17% 5.30% 36-Month - Open Now 5.36% 5.50% 60-Month - Open Now 5.12% 5.25%

Home Run 10 Month CD Special Earning 5.00% APY - 5/13/2023

Workers Credit Union has added a new "Home Run 10 Month CD Special" earning 5.00% APY. From the promo webpage: "For A Limited Time Only" and "Minimum balance to open and earn on a CD is $500." Here's the direct link to the CD's promo page:

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Workers CU Is Awesome Professional & Attentive!

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Workers CU in MA is simply GREAT! They are knowledgeable they value there Customers, they are attentive friendly respectful and over all refreshing in Customer Service every time, they listen and follow up, if they do not know something they will research and get back to you.They offer competitive interest rates also! In particular Mr. James Daisy VP, Relationship Manager & Gicelle Brito is awesome also! I also had the pleasure of speaking with the President of Mr.Petersen and I found him to be TOP NOTCH! Thank you Workers CU! Joel Barry

Rates Have Been Lowered.

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.85% comes up on the business MM search over $100k. Rate now .60%

Beware Of Flex, Especially From Workers

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Workers CU performance has steadily declined over the passed several years.
Beware of Flex account--They can change without notice.

Loan Services

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Consistently pay ahead, this bank will not credit forward will take all payment paid and post for that day. Even if you send 2 payments and note you are paying the next. They will tell you that you can pay 90 days ahead, NOT SO!! Go somewhere else!



Health Grade Components

NCUA #24923
Year Chartered1914
Primary Regulator
Profit Margin
Return on Assets - YTD-0.16%
Return on Equity - YTD-3.82%
Annual Interest Income$53.1MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$2.65B$2.46B
LoansQ2 2023vs Q2 2022$1.69B$1.44B
DepositsQ2 2023vs Q2 2022$1.79B$1.69B
Equity CapitalQ2 2023vs Q2 2022$109.9MM$145.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$6.4MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$29.4MM$7.2MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Workers Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

3.56%*-$1kSaveUp Savings
OTHER TIERS: 0.55% $1k - $2k | 0.60% $2k - $3k | 0.65% $3k - $5k | 0.70% $5k - $7k | 0.75% $7k - $10k | 0.80% $10k - $13k | 0.85% $13k - $17k | 0.90% $17k - $21k | 0.95% $21k - $25k | 1.00% $25k - $30k | 1.05% $30k - $40k | 1.10% $40k - $50k | 1.15% $50k - $75k | 1.20% $75k - $100k | 1.25% $100k+
3.56%*-$1kBusiness SaveUp Savings
OTHER TIERS: 0.55% $1k - $2k | 0.60% $2k - $3k | 0.65% $3k - $5k | 0.70% $5k - $7k | 0.75% $7k - $10k | 0.80% $10k - $13k | 0.85% $13k - $17k | 0.90% $17k - $21k | 0.95% $21k - $25k | 1.00% $25k - $30k | 1.05% $30k - $40k | 1.10% $40k - $50k | 1.15% $50k - $75k | 1.20% $75k - $100k | 1.25% $100k+
2.50%$5-Accelerate Savings
0.50%$50-cuSave - Online Savings
0.10%$5-Holiday Club
0.10%$5-Vacation Club
0.05%$50-Share Savings
0.05%$50-IRA Savings Account
0.05%$50-Business Share Savings
0.05%$50-Business Savings

Workers Credit Union Money Market Rates

3.00%*$100k*-Personal Money Market Checking
OTHER TIERS: 1.25% $50 - $10k | 1.50% $10k - $25k | 2.00% $25k - $100k
0.60%*$50k*-Business Money Market Checking
OTHER TIERS: 0.40% $50 - $10k | 0.50% $10k - $50k

Workers Credit Union Checking Account Rates

2.25%*-$15kHigh Interest Checking
OTHER TIERS: 0.40% $15k+

Workers Credit Union CD Rates

5.50%$500-36 Month CD
5.30%$500-18 Month Holiday Magic CD Special
5.25%$500-60 Month CD
5.25%$500-9 Month Harvest CD Special
4.25%$500-12 Month CD
4.25%$500-24 Month CD
3.75%$500-6 Month CD

Workers Credit Union IRA Rates

5.50%$1k-36 Month IRA
5.25%$1k-60 Month IRA
4.25%$1k-12 Month IRA
4.25%$1k-24 Month IRA
3.75%$1k-6 Month IRA


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