Here’s how Workers’ GiveBack Program works:

  • Award formula. Payments are based on the average balance in accounts, including: personal and business checking, savings, IRAs, CDs, money markets, most mortgages, consumer loans, lines of credit, home equity lines and commercial term loans.
  • Decision makers. Our Board of Directors determines whether to make payouts, based on how well Workers performs financially and our future capital needs.
  • Trend line. 2020 marks our seventh consecutive year with a payout.
  • Maximize returns. The sooner you get money into Workers’ accounts, the bigger your payback.
  • Learn more. To figure out how much you might get, and to get answers to other questions about the program, use our GiveBack Calculator.

Putting Money in Our Members’ Pockets

Finance 101. A credit union is not a bank. A credit union is owned by its members – people who deposit money there – and not by shareholders. Workers is a credit union. Ergo, you’re a part owner. That means you share in our success – big time. We tally up the money in your checking and savings accounts, add in loan balances, and then figure out how much cash we’re going to give you each year. The 2019 GiveBack (paid out in 2020) totaled $3.3 million. This year, we’ll try to do better. Bank on it.

Join Us

Convenient Locations

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

Become a Workers Credit Union member to benefit from our GiveBack Program.


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*

cuSave Online Savings

Yes, we’re paying 0.50% APY. No, we’re not trolling you

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.