Rates as

Personal Checking Accounts1,2,3

 

Rates subject to change without notice unless otherwise noted. Offers may be withdrawn at any time. Workers' Credit Union membership required.

1. Interest compounded daily and paid monthly. Fees could reduce the earnings on these accounts.

2. APY assumes interest remains on deposit and any withdrawal will reduce earnings. Fees may also reduce earnings.  Please see our “Fee Schedule” for specifics.

3. $25 minimum balance required to open.

4. To earn Xtreme Checking rates you must do these three things: 12 debit transactions, have an eStatement and one Direct Deposit or ACH per statement cycle.  The 1.75%  Annual Percentage Yield (APY) applies to the first $25,000. Balances over $25,000 earn an APY of 0.40% . When monthly requirements are not met each monthly statement cycle, the base rate of 0.10% APY will apply to the entire balance for the statement cycle.  Please review the complete Xtreme Checking Truth In Savings Disclosure.

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Disclosures
Fee Schedule

Personal Savings and Money Market Accounts

Rates as of

 

Rates subject to change without notice unless otherwise noted. Offers may be withdrawn at any time. A Workers' Credit Union membership is required.

1. Interest compounded daily and paid monthly. Fees could reduce the earnings on these accounts.

2. APY assumes interest remains on deposit and any withdrawal will reduce earnings. Fees may also reduce earnings. Please see our “Fee Schedule” for specifics.

3. $25 minimum balance required to open except: Clubs require $5; Money Markets require $1,000 to open.

4. Big Picture Checking Account required. Personal accounts only.

5. $500.00 minimum to open.

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Disclosures
Fee Schedule

Rates as of

Membership Relationship Certificate of Deposits** - Also Available for IRAs2

 
See table below for non-relationship CD Rates MA and IRA Rates.

Rates subject to change without notice unless otherwise noted. Offers may be withdrawn at any time. Workers' Credit Union membership required.

*Annual Percentage Yield (APY).

** To Qualify for Member Relationship CD rates, you must have a Workers' checking account with at least one monthly direct deposit of pay or Social Security.

1. Interest compounded daily and paid monthly. Fees could reduce the earnings on these accounts.

2. Penalty for early withdrawal may apply.

3. APY assumes interest remains on deposit and any withdrawal will reduce earnings. Fees may also reduce earnings. Please see our “Fee Schedule” for specifics.

4. Simple interest paid at maturity.

5. CDs require $500 minimum balance to open and IRA Certificates require $1,000 minimum balance to open.

6. Available only for CDs, not available for IRA Certificates.

Disclosures
Fee Schedule

 

Non-Relationship Certificate of Deposits - Also Available for IRA's2,3,5


Rates subject to change without notice unless otherwise noted. Offers may be withdrawn at any time. Workers' Credit Union membership required.

*Annual Percentage Yield (APY).

1. Interest compounded daily and paid monthly. Fees could reduce the earnings on these accounts.

2. Substantial penalty for early withdrawal.

3. APY assumes interest remains on deposit and any withdrawal will reduce earnings. Fees may also reduce earnings.  Please see our “Fee Schedule” for specifics. 


4. Simple interest paid at maturity.

5. CDs require $500 minimum balance to open and IRA Certificates require $1,000 minimum balance to open.

6. Available only for CDs, not available for IRA Certificates.

Disclosures
Fee Schedule

Rates as of

Personal Savings and Checking Accounts1,2

 

Rates subject to change without notice unless otherwise noted. Offers may be withdrawn at any time. A $25 Workers' Savings Account or cuSave Account is required for membership.

1. Interest compounded daily and paid monthly. Fees could reduce the earnings on these accounts.

2. Annual Percentage Yield assumes interest remains on deposit and any withdrawal will reduce earnings. Fees may also reduce earnings.  Please see our “Fee Schedule” for specifics.

3. $500.00 minimum to open. This will also be your membership account.

4. To earn Xtreme Checking rates you must do these three things: 12 debit transactions, have an eStatement and one Direct Deposit or ACH per statement cycle.  The 1.75%  Annual Percentage Yield (APY) applies to the first $25,000. Balances over $25,000 earn an APY of 0.40% . When monthly requirements are not met each monthly statement cycle, the base rate of 0.10% APY will apply to the entire balance for the statement cycle.  Please review the complete Xtreme Checking Truth In Savings Disclosure.

5. $25 minimum balance required to open.

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Disclosures
Fee Schedule

 

Certificate of Deposit1,2,3

Workers Online Certificates of Deposit are available for 6, 12, and 24 month terms. 
These CD Rates are only available online.

 

Rates subject to change without notice unless otherwise noted. Offers may be withdrawn at any time. A $25 Workers' Savings Account or cuSave Account is required for membership.

Online Certificates of Deposit are available to individuals only (no business or brokers); a maximum of $250,000 per member; CD rates subject to additional requirements when opened in a branch.

1. Substantial penalty for early withdrawal.

2. Annual Percentage Yield assumes interest remains on deposit and any withdrawal will reduce earnings. Fees may also reduce earnings.  Please see our “Fee Schedule” for specifics.

3. CDs require $500 minimum balance to open. Online CDs are not available for IRAs.

4. Simple interest paid at maturity.

5. Interest compounded daily and paid monthly. Fees could reduce the earnings on these accounts.

Open an account
Disclosures
Fee Schedule

Rates as of

Car Loan Rates

New Auto Loan1 (new - 2011: 100% financing available) over $5,000
Used Auto Loan1 (100% financing available) over $5,000 Max term is 72 Months
For vehicles older than 2006 please call 978-345-1021.

 


1 .All above rates represent the lowest possible rates currently offered.  Rates subject to change without notice. Offers may be withdrawn at any time. Workers' Credit Union membership required. Subject to our normal credit requirements.

 

Recreational Vehicle Loan¹ New & Used (100% Financing Available)

 


1. All above rates represent the lowest possible rates currently offered. Rates subject to change without notice. Offers may be withdrawn at any time. Workers' Credit Union membership required. Subject to our normal credit requirements.

 

Motorcycle Loan1 New & Used (100% Financing Available)

 

  

1. All above rates represent the lowest possible rates currently offered. Rates subject to change without notice. Offers may be withdrawn at any time. Workers' Credit Union membership required. Subject to our normal credit requirements.

 

 

Jet Ski & Snowmobile1 (Up to 100% Financing)

 


1. All above rates represent the lowest possible rates currently offered. Rates subject to change without notice. Offers may be withdrawn at any time. Workers' Credit Union membership required. Subject to our normal credit requirements.

 

Home Equity1 Loan Rates 80% Financing

 

 

1. Rates subject to change without notice. Offers may be withdrawn at any time. Workers' Credit Union membership required. Other restrictions may apply.

2. There is a 10-year draw period and a 10-year repayment period. Maximum combined loan to value is 80% for owner-occupied primary residence and 75% for owner occupied second homes. An annual fee of $30 will be waived if the borrower has the monthly payment paid automatically from a Workers' checking account. Offer applies to new Workers CU lines only. Homeowner’s insurance is required. $350 early termination fee will be charged if discharged within the first two years. Subject to normal underwriting requirements. Maximum interest rate is 18%. Current Wall Street Journal Prime is 3.50%.

3. An introductory Annual Percentage Rate (APR) of 1.99% is guaranteed for 6 months, with a periodic rate of 0.00545. Thereafter, our minimum APR will be set on the first business day of each month which will be either a floor rate of 2.99% APR with a periodic rate of 0.00819%, or .50% below the Prime Rate published in the Wall Street Journal on the last business day of each month, whichever is greater. Minimum rate is 2.99%. Maximum rate is 18%. Minimum line amount is $25,000.

4. Introductory Rate of 3.99% APR for 60 months with a periodic rate of .01093%. Thereafter the APR will be set on the first day of each month at .50% below the Prime Rate published in the Wall Street Journal on the last business day of the previous month. The current minimum rate would be 3.99% with a periodic rate of .0109%. Minimum line amount is $25,000.

5. Annual Percentage Rate (APR) includes a .50% discount for automatic electronic loan paymentsfrom any Workers' Checking Account. Other rates and terms are available. Rates subject to change without notice. Maximum 80% loan to value ratio. Offer applies to new loans only on owner-occupied primary residence. Homeowners insurance required. Subject to our normal credit requirements.

 

 Home Equity1 Loan Rates 100% Financing

 

 

1. Rates subject to change without notice. Offers may be withdrawn at any time. Workers' Credit Union membership required.


2. APR will be set on the first business day of each month at either a floor rate of 5.00% APR with a periodic rate of 0.01369%, or 1.50% above the Prime Rate published in the Wall Street Journal on the last business day of each month, whichever is greater. Current Wall Street Journal Prime is 3.50%. Minimum rate is 5%. Maximum rate is 18%. There is a 10-year draw period and a 10-year repayment period. Maximum loan to value is 100%. An annual fee of $30 will be waived if the borrower has the monthly payment paid automatically from a Workers checking account. $350 early termination fee will be charged if discharged within the first two years. Offer applies to new loans only on owner-occupied single family and condominiums only. Homeowners insurance required. Subject to specific credit requirements due to additional credit union insurance.


3. Annual Percentage Rate (APR) includes a .50% discount for automatic electronic loan payments from any Workers' Checking Account. Other rates and terms are available. Rates subject to change without notice. Maximum 100% loan to value ratio. Offer applies to new loans only on owner-occupied single family and condominiums only. Homeowners insurance required. Subject to specific credit requirements due to additional credit union insurance. Other restrictions may apply.

 

80% Home Equity Solar Loan Rates*(1)


* Annual Percentage Rate (APR) include a 0.50% discount for electronic payments from a Workers' Checking Account.  Offer applies to new loans only on owner-occupied primary residence to a maximum combined loan to value of 80% and on owner-occupied second homes to a maximum combined loan to value of 75%.  Homeowners insurance required.  Subject to our normal credit requirements.  Rates subject to change without notice.  Offers may be withdrawn at any time.

 

100% Home Equity Solar Loan Rates*(1)

 

* Annual Percentage Rate (APR) include a 0.50% discount for electronic payments from a Workers' Checking Account.  Offer applies to new loans only on owner-occupied primary residence.  Homeowners insurance required.  Subject to our normal credit requirements.  Rates subject to change without notice.  Offers may be withdrawn at any time.

(1) Maximum 100% loan-to-value ratio.  Maximum loan amount $175,000.

 

Solar Home Improvement Loans* (as low as)


* Annual Percentage Rates (APR) are subject to change at any time.  Offers may be withdrawn at any time.  Workers' Credit Union membership required.  Subject to normal credit requirements.

 

Rates as of

Personal Loan1 Rates

 
 

1. All above rates represent the lowest possible rates currently offered. These rates include ½% discount applicable when a member has electronic loan payments. Rates subject to change without notice. Offers may be withdrawn at any time. Workers' Credit Union membership required. Subject to our normal credit requirements.

 

Checking Account Line of Credit ($25 annual fee)

 
 

 

Passbook & Certificate Loans¹

Passbook and Certificate Loan rates are set at 2.50% over the interest paid on the deposits that are used as collateral.

1. All above rates represent the lowest possible rates currently offered. These rates include ½% discount applicable when a member has electronic loan payments. Rates subject to change without notice. Offers may be withdrawn at any time. Workers' Credit Union membership required. Subject to our normal credit requirements.

Mortgages Rates

Rates as of

 
 
 

 

*All Annual Percentage Rates (APRs) are based on $100,000 loan to purchase a single family primary residence at a 60% Loan-Io-Value (LTV) and a FICO Score of 740 or greater unless otherwise noted. Conforming Fixed Rate Loan Limits: 1 family $417,000; 2 family $533,850; 3 family $645,300; 4 family $801,950. Reduced Closing Cost Option-Ask us about how we can greatly reduce your closing costs with alternative pricing options.

**Adjustable Rate Mortgage (ARM) rates for purchase and refinance of 1-4 family owner-occupied properties only. 5/1 ARM available for construction of single family owner-occupied property. Rates on ARMs may increase after closing at applicable adjustment term. Maximum loan amount of $2,000,000 at an 80% Loan-To-Value (LTV). All APRs are based on $100,000 loan to purchase a single family primary residence at a 60% LTV. ARMS 10/1, 5/1, 7/1: Caps 2% per adjustment and 6% over the lifetime of the loan. Index is 1 year treasury bill. Margin is 2.75%.

***All Annual Percentage Rates (APRs) are based on $480,000 loan to purchase a single family primary residence at an 75% Loan-To-Value (LTV) and a FICO Score of 740 or greater unless otherwise noted. Jumbo Rate Loan limits: 1 family $2,000,000 at 80% LTV. Lesser loan limits apply on LTVs greater than 80%.

 

Workers Finish Line Refi*

Pay off your mortgage before you retire. The Finish Line Refi has a 7-year term at 3.50% APR and a 12-year term at 3.99% APR with no closing costs and only a $399 non-refundable application fee! Now you CAN finish that mortgage before you retire! Apply Now!

 

 

 

 

*A 5-year term with an interest rate of 2.99% is repayable in 60 payments of $17.96 per Effective August 18, 2015 $1,000 borrowed. Annual Percentage Rate (APR) includes a .50% discount for automatic electronic loan payments from any Workers' Checking Account. Other rates and terms are available. Rates subject to change without notice. Maximum 80% loan to value ratio. Offer applies to new loans only on owner-occupied primary residence. Homeowners insurance required. Subject to our normal credit requirements. Offer may be withdrawn without notice. Workers Credit Union membership required. Subject to our normal credit requirements. Rates subject to change without notice. Offers may be withdrawn at any time. Workers' Credit Union membership required

1. Rates subject to change without notice. Offers may be withdrawn at any time. Workers' Credit Union membership required. Subject to our normal credit requirements.

2. $399 non-refundable application fee. Minimum loan amount $50,000. Terms are a minimum of 5 years and a maximum of 12 years. Borrower is responsible for property insurance and any cost or fees required by their current lender to have the loan refinanced with Workers' Credit Union. Maximum loan amount not to exceed 80% of property value. The program is available only for refinances of single-family, owner occupied primary residences and is not available to refinance current Finish Line Refi loans. Requires automatic payment from a Workers checking account, and active direct deposit into checking account within 60 days of Finish Line closing.