Workers Credit Union

Real Estate Loans

Workers' offers mortgage loans with fixed and variable rates and an assortment of terms. Also, with a Home Equity Line of Credit or Loan, the equity value in the home is put to work. We also promise to make the application process as easy and stress free as possible.

Mortgages                                                                

Looking for a mortgage?  Get your mortgage from a lender you can trust.
Wise mortgage shoppers throughout Central Massachusetts choose Workers'. We offer:

• 95 years Lending Experience
• Competitive Rates including our "Rate Tracker" program
• First-time Homebuyer Programs including MHFA Loans with as Little as 3% Down
• Local Lending Decisions
• Apply Online or in a Branch
• Online Preapproval or Prequalification
• Fixed and Adjustable Rate with a variety of terms, as well as Jumbos and Construction Loans
• And much, much more!

We've partnered with myCUmortgage, a long-time provider of the most up-to-date online mortgage information software, currently used by more than 50 credit unions in the U.S. We invite you to visit the site and use the Loan Consultant program to help determine which mortgage is right for you; interactive calculators to see if you can afford the home you want; and get pre-approved before you go house shopping.

Rate Tracker - receive emails about rate changes based on your own preferences.

CU Realty Rebate Program

Save MONEY.  Save Time.  Save the Hassle.

Shop for your next home; learn the value of your current home and save hundreds if not thousands on every real estate transaction when you use our free, comprehensive real estate and rebate program, CU Realty.

With Workers' Credit Union and CU Realty Services, you'll get unrestricted access to all the tips, tools and data you need to make informed decisions plus you'll get a rebate* -  20% of your agent's commission - when you buy or sell using a CU Realty Approved Agent.

Take a look at these average savings:

Enrolling in the CU Realty Home Rebate program is fast, simple & free:

• Connect directly to the CU Realty registration, Realtors® and home search database.
• Or contact our Mortgage Department at 1-800-221-4020 or by secure email and select loan/mortgage from the drop down menu, and a representative will help you register, provide you a list of approved local agents and answer your questions about the
  rebate program.

For more information click here.

Buy Greater Gardner Now is a purchase campaign for the communities of Ashburnham, Gardner, Hubbardston, Westminster, Winchendon, Templeton.  Follow the link to learn more.

Home Equity Lines of Credit                                    

• Workers' Home Equity line of credit rates are variable and adjusts monthly
• The credit line is accessed by check or cash withdrawal for ten years
• Payments is a minimum of interest only for the first ten years
• Principal payments may be made at the borrower's discretion
• After the first ten years, the re-payment is interest plus principal
• Payment of more than the minimum can be made without penalty
• The borrowers home acts as collateral for the line of credit
• The home must be a one to four family owner-occupied dwelling
• There is no check charges and no transaction fees
• Workers' offers the option to convert all or part of your line of credit to a fixed-rate equity loan at any time

Please check our rate page for line of credit specials and terms and conditions.

Home Equity Lines of Credit rates and Terms and Conditions
Apply for a Home Equity Line of Credit now

Home Equity Loans

• A fixed rate of interest for the entire term of the loan
• Up to 20 years to re-pay the loan
• The borrowers home acts as collateral
• Payment of more than the minimum at any time without penalty
• The home must be a one to four family owner-occupied dwelling

Please check our rate page for loan specials and terms and conditions.

Home Equity Loan rates and Terms and Conditions
Apply for a Home Equity Loan now

Homeowners Insurance

Workers' is partnered with Heritage Insurance. Members get homeowners insurance at a discount! Click here to find out more.