Take control of your finances by joining Workers Credit Union

  • Residency requirement. Workers is a state-chartered community credit union. Membership is open to all Massachusetts residents and employees of Massachusetts companies.
  • Open for business. Massachusetts business entities can become members as well, including sole proprietors, partnership, limited liability companies and corporations.
  • Minimum investment. Individuals can join by opening a Statement Savings Account with as little as $5 or a high-rate cuSave Account with as little as $500.
  • It takes less than 4 minutes to complete an account application online. Or you can visit one of our convenient branches and speak to a Financial Services Representative.

Financial Tools That Our Members Are Putting To Good Use

Our members are busy. Everyone is. That’s why we have tailored our services to help our members manage their finances, as well as their time. With a wide array of tools and resources our members are able to stay on track with their finances and still enjoy their daily lives. See how you can get the most out of a Workers membership.


Member Value

Member Value calculations are used to score a credit union’s productivity, pricing, and the effectiveness of their loan loss management. The score can be used to weigh the credit union’s member value versus its peers. Peers are defined as a group of credit unions that make a similar investment in operations (i.e. expense peer).

A positive member value score indicates the credit union is deploying a similar amount of resources more effectively than its peers, while a negative member value score indicates there is opportunity for improvement.

Pie Chart showing -8% Fees, 26% Loans, 17% Losses, 49% Savings & Dividends. $127=Annual Benefit Per Member, $12.8 million total member value provided annually.


Open a New Account

Convenient Locations

Workers Credit Union provides banking services to greater Athol, Chelmsford, Fitchburg, Gardner, Groton, Hudson, Lancaster, Leominster, Lunenburg, Orange, Townsend, Westford, and Worcester, MA.

Become a Workers Credit Union member online or visit a branch for more information.

New Account Openings PAIRS WELL WITH...

Not ready to make the jump? Take a look at some of the other options, we’re sure you’ll find what you were looking for.

High Interest Checking

Earn up to 1.26% APY*

Auto Loans

Get in gear with a Auto Loan as low as 3.99% APR*


*A service charge is applied when the combined daily balance falls below the minimum during the monthly statement cycle. ***Additional fees may apply and other institutions may impose a surcharge for use of their ATM’s. Please refer to our fee schedule.

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.