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Workers Credit Union


Overview / Commentary
www.wcu.com
978-345-1021
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 163rd largest credit union in the nation. It was established in 1914 and as of September of 2022, it had grown to 367 employees and 122,928 members at 18 locations. Workers Credit Union's savings rates are 7X the national average, and it has a B 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 Adds Nationally Available 16-Month No Penalty CD - 12/19/2022

Workers Credit Union (easy membership) has a very competitive, nationally available 16-month No-Penalty CD that allows one fee-free withdrawal. $500 min opening deposit.

3.05% 13-Month No-Penalty CD - 10/5/2022

“Jump CD 13 Month Special” https://www.wcu.com/your-life/certificates-of-deposit Must schedule an appointment in-branch to open, but in-branch appointments can be conducted via telephone

View all posts from:


Reviews (9)

Workers CU Is Awesome Professional & Attentive!

Posted by: |

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

5

Look No Further For A Great Credit Union!

Posted by: |

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.

5

Rates Have Been Lowered.

Posted by: |

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

6

Beware Of Flex, Especially From Workers

Posted by: |

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

4
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Health
B

Data as of Q3 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #24923
Year Chartered1914
Employees367
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD11.55%
Annual Interest Income$59.8MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$2.55B$2.24B
LoansQ3 2022vs Q3 2021$1.59B$1.34B
DepositsQ3 2022vs Q3 2021$1.62B$1.63B
Equity CapitalQ3 2022vs Q3 2021$113.4MM$215.7MM
Loan Loss AllowanceQ3 2022vs Q3 2021$6.9MM$5.9MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$10.0MM$6.4MM
Real Estate OwnedQ3 2022vs Q3 2021$0$8.1MM
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
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+
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-Business Money Market Account (statement)
OTHER TIERS: 0.40% → $50 - $10k | 0.50% → $10k - $50k
0.40%*$100k*-Workers Money Market Checking
OTHER TIERS: 0.25% → $50 - $25k | 0.30% → $25k - $100k

Workers Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*-$15kHigh Interest Checking
OTHER TIERS: 0.40% → $15k+

Workers Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.13%$500-36 Months Flex CD
4.86%$500-24 Months Flex CD
4.34%$500-12 Months Flex CD
2.94%*$25k*-60 Month CD
OTHER TIERS: 2.74% → $500 - $25k
2.84%*$25k*-48 Month CD
OTHER TIERS: 2.63% → $500 - $25k
2.78%*$25k*-36 Month CD
OTHER TIERS: 2.53% → $500 - $25k
2.53%*$25k*-24 Month CD
OTHER TIERS: 2.27% → $500 - $25k
2.27%*$25k*-18 Month CD
OTHER TIERS: 2.02% → $500 - $25k
2.02%*$25k*-12 Month CD
OTHER TIERS: 1.76% → $500 - $25k
1.25%*$25k*-6 Month CD
OTHER TIERS: 1.00% → $500 - $25k
1.10%*$25k*-3 Month CD
OTHER TIERS: 0.90% → $500 - $25k

Workers Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.94%*$25k*-60 Month IRA
OTHER TIERS: 2.74% → $1k - $25k
2.84%*$25k*-48 Month IRA
OTHER TIERS: 2.63% → $1k - $25k
2.78%*$25k*-36 Month IRA
OTHER TIERS: 2.53% → $1k - $25k
2.53%*$25k*-24 Month IRA
OTHER TIERS: 2.27% → $1k - $25k
2.27%*$25k*-18 Month IRA
OTHER TIERS: 2.02% → $1k - $25k
2.02%*$25k*-12 Month IRA
OTHER TIERS: 1.76% → $1k - $25k
1.25%*$25k*-6 Month IRA
OTHER TIERS: 1.00% → $1k - $25k
1.10%*$25k*-3 Month IRA
OTHER TIERS: 0.90% → $1k - $25k
Locations

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