Get More From Your Daily Checking

  • Earn 1.26% APY on balances of $0-$15,000, if requirements are met1
  • Earn a range of 1.26%-0.66% APY on balances of $15,000.01 or more, if requirements are met1
  • Earn the base rate of 0.05% APY on total balance, if requirements are not met1
  • No minimum balance required to earn interest
  • Up to $10 reimbursement each month for other banks’ ATM fees if requirements are met1
  • Manage your money and pay bills anytime through Online Banking and Mobile Banking2
  • Includes a Master Card Debit Card  for easy, surcharge-free access to cash at Workers Credit Union and thousands of ATMs nationwide

More Interest – Fewer Fees and Hassle

Take this checking account at its word. Members love it because of the rates it pays on the daily balance and all the convenient access it provides. You can say there’s…high interest in opening this account. But trust us, it’s much better than our punny jokes.

Open a New Account

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.

Open your High Interest Checking account online or contact us with any questions.


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.

Auto Loans

Get in gear with a Auto Loan as low as 3.49% APR*

SaveUp Savings

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


Please note that the following disclaimer language applies to just High-Interest Checking, no other products.

1Annual Percentage Yield (APY) and rates are effective as of July 1, 2021. Fees may reduce earnings. See our fee schedule for specifics. There is a $5 minimum to open the account. There is no account minimum balance required to earn dividends. The APY rate of 1.26% only applies to the first $0-$15,000. Balances of  $15,000.01 or more earn an interest rate of 0.40%, with an APY range for the entire balance of 1.26%-0.66%. This APY range assumes a deposit of $50,000 for illustration purposes only. In order to earn the higher first and second tier APY rates, per each statement cycle the following must occur:

  1. 12 POS debit card purchase transactions must post to your account
  2. Enroll and receive an eStatement
  3. Have one Direct Deposit or ACH auto debit

In addition to meeting the requirements listed above to earn the higher first and second tier APY rates and to receive up to $10 in ATM fee reimbursements the account must be open for the entire statement period otherwise, the base rate will be applied to the entire balance for the number of days in which the account was opened during the month, and you will not receive the ATM fee reimbursement. Must be a Workers Credit Union member.

  • Rates subject to change at any time without notice unless otherwise noted.
  • Offers may be withdrawn at any time.
  • Subject to membership eligibility.
  • Workers Credit Union membership required; minimum balance to open is $5, unless otherwise noted.
  • Any student or person under the age of 18 are eligible for any of our accounts as long as they have an adult joint owner who is 18 or older.

2 Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.

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.