Workers Credit Union

Business and Lending Services

Workers' Credit Union is here to help make your small business a big success! We pride ourselves on having a good working relationship with our business members. Workers' is more than just a lender; we are your financial partner. We know time is money, so we have a guaranteed 72-hour response time on all of our business loan applications.

It's easy to get the application process started. Simply speak to one of our business lending representatives. Along with the completed application we need:

• The most current Federal Business Tax return
• The business owners Tax Return(s)
• Tax Assessment for Real Estate collateral

For more information on our Business Lending services click here.

Workers' Credit Union is here for your business! We have a suite of business services that will help you save time and money when running your business. All of these services are available at any of our local branches. Stop by one of our branches and see what Workers' can do for your business!!

Business Online Banking

Business Online Banking is a powerful tool to help you run and manage the daily operation of your business. Workers' offers three
different plans.

This online tool allows you to:

• Download your banking history using Quickbooks
• Pay your Federal quarterly taxes
• Manage your payroll or monthly debits electronically

These are just a few of the options within Business Online Banking. Call or stop by one of our branches and speak to a Financial Services Representative about this great program!

Merchant Card Services

Credit Card Processing

Workers' Credit Union has partnered with Cocard to fulfill the credit card processing needs of all merchants and businesses by reducing the cost of doing business with customized low-cost rates.  Not all businesses are the same and we listen to your goals and needs to create a winning solution while eliminating all risks for your business.

Cocard is Different

We pride ourselves at being a “No Surprises” company and will always put your needs ahead of our own.  Our open ended agreements have No Cancellation Fees and No Hidden Charges allowing us to earn your business day after day, with the utmost highest levels of member service.  

Cocard provides a unique combination of services.

• Live Customer Service
• Non-Binding Customized Rates
• No Long Term Contracts
• No Account Set Up Fees, No Hidden Fees, and No Cancellations Fees
• 24x7 Online Merchant Account Summary
• Next or Second Business Day Bank Deposits
• Virtual Terminal for PC based Processing
• Full Integration for New and Existing Website Shopping Carts
• Wireless Processing Options
• Low Cost New  Equipment Pricing
• Free Short Term Event Equipment Loaners

Cocard provides you with a single resource for all of your businesses payment solution needs. We will always provide you with the highest level of honesty and integrity when discussing your payment options and we want to be your long term trusted business partner.

For additional information please contact us at 978-353-7178.

Business Visa® Credit Cards

Workers' offers a variety of credit card options for business use. Our program is tailored to fit many different business situations. We have card options available for business travel, rewards cards and more.

Click here to learn more about our credit card options.
Apply Now!

Business Visa® Business Debit Card

The Workers' Business Debit Card allows the business owner to:

• Decide which employees get a card
• Which features the employee can access 
• Daily dollar limit of the ATM withdrawals and purchases for each employee

In addition each card has these features:

• Each card is embossed with a business name
• Every employee has there own PIN identifier
• The card can be used to get cash, make payments, obtain balances and transfer funds*
• No annual fee for the card or any additional cards on the account

Stop by a branch to get your application!

*Fees may be charged for using your Visa® Debit Card at ATMs not owned by Workers' Credit Union. In addition, other institutions may impose a surcharge for using their ATMs. You can avoid those surcharges because Workers Credit Union is a member of the SUM® ATM Network - a group of ATM owners that have agreed not to charge each others' customers a surcharge for using their ATMs.

Business Investments and Insurance

Planning for Retirement - An ever-expanding segment of the population is extremely concerned about preparing properly for financial comfort in their retirement years. In pre-retirement planning, our representatives will review with you your goals before preparing a recommendation especially designed for you. We will determine an asset allocation plan that is appropriate and explain the different retirement account options. Once a course of action is agreed upon, we will prepare the proper investment plan and monitor it on a regular basis to make sure it stays on track.

Our Investment & Insurance Center^* works with members to help protect them from devastating events that can have an adverse impact on their financial lives. There is no better time to review your life, long term care and disability insurance needs. Our financial representatives will explain all of your options and recommend a plan which is appropriate for your situation. The Investment & Insurance Center works with many different insurance carriers. This allows us to shop for the most affordable premium costs. Let's take the time to review your situation.

*Investments offered through CUSO Financial Services, L.P. (CFS) are not NCUA/NCUSIF insured, not credit union guaranteed, and may lose value. Registered Representatives are employed by Workers’ Credit Union and registered through CFS. (Member FINRA/SIPC).