As a member you’ll get access to competitive rates, a top-rated banking app, and a Workers WayTM Financial Coach, ready to help you achieve your dreams at any stage of life.

Joining is easy!

Here are five different ways you can qualify for membership:

  • Family or Roommate. An immediate family member* or person living with you is a member.
  • Community. You live, work, worship, or attend school in Lowell or Worcester, MA.
  • Employment. You or an immediate family member* currently work for or are retired from a participating employer.1
  • Charity. We make a donation on your behalf to the United Way of North Central MA.2
  • Financial Fitness Association Membership. We pay your initial membership fee.3


Membership Accounts

Open a qualifying personal savings account online in four minutes or less with as little as $5. We welcome business members to contact us to open a qualifying savings account.

Exclusive Membership Perks


Convenient Locations

Workers Credit Union provides in-person banking services and financial coaching at locations in Worcester, Lowell, Fitchburg, Gardner, Chelmsford, Westford, Groton, Townsend, Lunenburg, Lancaster, Leominster, Athol, Hudson, and Orange, MA.

With many ways to qualify and even more perks, what’s stopping you? Take control of your future today, the Workers Way!


*Immediate family includes spouses, domestic partners, children, grandchildren, parents, grandparents, and siblings (including adopted, in-law, and step relationships).

1 Continued employment with a participating employer is not required to maintain your Workers membership.

2 Workers will make a one-time $5 donation on your behalf. Continuous donations are not required to maintain your Workers membership.

3 By choosing this option you authorize Workers to send your name, address, and email to the Financial Fitness Association. Workers will pay for your initial membership fee. Payment and renewal of the annual FFA membership will be your responsibility if you wish to continue to access their online library and resources. Continued membership is not required to maintain your Workers membership.

A Safe Place for Your Money

As a member of Workers, take comfort in knowing that every dollar you deposit is safe, secure, and 100% insured. All deposits are fully insured by a combined insurance coverage of the NCUA, up to $250,000, and the MSIC covers the rest. Now that’s safe keeping.