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 162nd largest credit union in the nation. It was established in 1914 and as of March of 2017, it had grown to 235 employees and 92,676 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

Related Posts

Two Nice Non-Relationship CDs At Workers CU (MA) - 5/26/2017

Workers Credit Union has a 9-month CD earning 1.20% APY and 47-month CD earning 2.07% APY. Both have a $500 minimum opening deposit and don't require a Workers CU checking account. Anyone who lives or works in Massachusetts is eligible.

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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 - YTD0.85%
Return on Equity - YTD7.86%
Annual Interest Income$14.2MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$1.54B$1.35B
LoansQ1 2017vs Q1 2016$1.08B$960.9MM
DepositsQ1 2017vs Q1 2016$1.03B$910.2MM
Equity CapitalQ1 2017vs Q1 2016$164.4MM$158.8MM
Loan Loss AllowanceQ1 2017vs Q1 2016$7.4MM$7.1MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$6.3MM$9.0MM
Real Estate OwnedQ1 2017vs Q1 2016$1.1MM$264.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Two Nice Non-Relationship CDs At Workers CU (MA)

Carpline   |  
Workers Credit Union has a 9-month CD earning 1.20% APY and 47-month CD earning 2.07% APY. Both have a $500 minimum opening deposit and don't require a Workers CU checking account.

Anyone who lives or works in Massachusetts is eligible.

Rates
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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

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% $50 - $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
2.07%$500-47 Month Non-Relationship CD
2.07%$500-47 Month Member Relationship CD
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
1.87%$500-35 Month Non-Relationship CD
1.87%$500-35 Month Member Relationship CD
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
1.66%$500-23 Month Non-Relationship CD
1.66%$500-23 Month Member Relationship CD
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
1.20%$500-9 Month Member Relationship CD
1.20%$500-9 Month Non-Relationship CD
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
0.65%*$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
2.07%$500-47 Month Non-Relationship IRA
2.07%$500-47 Month Member Relationship IRA
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
1.87%$500-35 Month Non-Relationship IRA
1.87%$500-35 Month Member Relationship IRA
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
1.66%$500-23 Month Non-Relationship IRA
1.66%$500-23 Month Member Relationship IRA
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
1.20%$500-9 Month Member Relationship IRA
1.20%$500-9 Month Non-Relationship IRA
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
0.60%*$25k*-3 Month Member Relationship IRA
OTHER TIERS: 0.50% $500 - $25k
0.50%*$25k*-3 Month Non-Relationship IRA
OTHER TIERS: 0.40% $500 - $25k
Locations

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