Workers Credit Union

Consumer Loans

Everyone has different reasons to borrow money. Workers' offers very competitive rates and easy methods to apply for and re-pay the loan. All of our consumer loan products below have a link attached to apply for the loan electronically. To speak with a loan representative call or stop by any of our convenient branches.

Below are our seven main consumer loan categories:

Vehicle Loans

Workers' offers both new and used vehicle loans and will finance up to 100% of the selling price or the retail value of a new vehicle, whichever is less.

• Flexible terms: up to 84 months for new vehicles and up to 72 months for used vehicles
• Vehicle loans have a $100,000 maximum
• Save 1/2 percent off of the loan rate when opting for electronic loan payments
• Loan pre-approval is available
• Life, Disability and GAP insurance is available
• Workers' is partnered with Heritage Insurance. Members get auto insurance at a discount! Click here to find out more.

Vehicle Rates
Apply now!

Motorcycle Loans

Workers' will finance 100% of a new or used motorcycle loan with a maximum loan amount of $60,000. The loan amount is based on the retail value or purchase price, whichever is less.

• New & used motorcycle loans can be re-paid in up to 5 years
• Save 1/2 percent off of the loan rate when opting for electronic loan payments
• Loan pre-approval is available
• Life, Disability and GAP insurance is available
• Workers' is partnered with Heritage Insurance. Members get insurance at a discount! Click here to find out more.

Motorcycle loan rates
Apply Now!

RV/Trailer/Boat/Snowmobile/Jet Ski Loans

Workers' will finance up to 95% of a new or used RV/trailer/ boat/snowmobile/jet ski purchase. The maximum loan amount is $100,000. The loan amount is based on the retail value or purchase price, whichever is less.

• RV/trailer/boat/snowmobile/jet ski loans can be re-paid in up to 15 years
• Save 1/2 percent off of the loan rate when opting for electronic loan payments
• Loan pre-approval is available
• Life, Disability and GAP insurance is available
• Workers' is partnered with Heritage Insurance. Members get insurance at a discount! Click here to find out more.

RV/trailer/boat/snowmobile/jet ski loan rates
Apply now!

Personal Loans

A personal loan is used for any number of reasons, from affording that vacation in paradise to having enough cash for holiday shopping.

• The maximum loan amount is $50,000
• The minimum loan amount is $500
• The maximum term is 72 months
• Save 1/2 percent off of the loan rate when opting for electronic loan payments
• Life and Disability insurance is available

Personal loan rates
Apply now!

Savings Secured Loan

Use a Certificate of Deposit or Share Account as collateral when in need of a loan. A savings secured loan has a low rate while still keeping the money in the credit union and receiving a high yield on the deposit.

• Rates depend on the type of collateral used, i.e. Certificate of Deposit or Share Account
• Maximum term is 60 months
• Life and Disability insurance is available

Savings secured rates
Call the credit union to apply!

Manufactured / Mobile Homes Loans

Escalating housing prices make manufactured and mobile homes offers an attractive alternative. Workers' recognizes this alternative and has developed a program to fit this need.

• The maximum loan amount is $125,000
• The loan amount can go up to 80 percent of the lesser of the book value or the purchase price
• Maximum term is 240 months
• Save 1/2 percent off of the loan rate when opting for electronic loan payments

Manufactured/ Mobile Home rates
Apply now!

Additional fees may apply. Consult a loan representative for full details.

Credit Card Programs

At Workers' Credit Union, our industry leading credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs.

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

Checking Account Line of Credit

A checking account line of credit covers purchases made after writing a check or using a VISA® Check Card.

• Attaches to a Workers' checking account
• Credit lines available up to $50,000
• Cover debits that may be greater than the balance in the associated checking account
• Advances the amount necessary to bring the account balance to $25 (not exceeding available credit line)
• Finance charges begin accruing immediately after an advance is made
• Monthly statements show any balance due
• There is an annual $25 service fee

Checking account line of credit rates
Apply now!

Home Improvement Loans

Workers' offers a flexible home improvement loan that is used to make those quick fixes around the house.

• Maximum loan is $50,000
• Maximum term is 240 months
• No lien placed on the property
• This loan is for primary residence only
• Workers' requires work estimates if loan amount exceeds $5,000
• Save 1/2 percent off of the loan rate when opting for electronic loan payments
• Life and Disability insurance is available

Home improvement rates
Apply now!

Heat Loans

We’d like to help you update your home’s heating and energy efficiency. And, we offer a special program in
partnership with MassSAVE, just for this purpose. The HEAT Loan Program offers qualified customers no-interest
and low-interest loans for installing energy-efficient heating measures.

To get started, just follow these simple steps:

• Visit MassSAVE.com or call 1.866.527.7283 to learn more about the program.
• Request a Home Energy Assessment from a Home Assessment Vendor to determine your home’s needs.
• Eligible customers obtain cost estimates from licensed contractors and submit them to the Home Assessment Vendor for approval.
• Click on "Apply now" listed below to begin the loan approval process.
• Complete the work and have it inspected by the Home Assessment Vendor.
• Submit for eligible energy rebates.

Please let us know if you would like more information or contact MassSAVE for full program details.

Apply now! - Once the new browser window opens, click "Apply for a Loan" and then choose "Heat Loan" as the product type. Next follow the onscreen instructions to complete the application and a loan representative will contact you back.