Putting Money in Our Members’ Pockets

Finance 101: a credit union is not a bank. A credit union is owned by its members and not by shareholders. That means members share in our success. Our Board of Directors determines whether to make an annual GiveBack payout based on how well Workers performs financially and our future capital needs.
Members with balances on the following loans and accounts qualify for the GiveBack Program payout*:

  • Checking & Savings
  • Money Market
  • Mortgage & Finish Line Refis
  • Home Equities
  • Regular & IRA CDs
  • Auto & Personal Loans
  • Checking Lines of Credit
  • Commercial Term Loans & Mortgages

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.


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*

SaveUp Savings

Start saving big with just $5. The more you save, the more you earn!


The following accounts do not qualify for GiveBack: heat loans, credit cards, student loans, IOLTAs, USDA, VA and FHA mortgages, conveyance accounts and CashPlease loans.

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.