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US Savings Bonds:

As of January 31, 2026, we will no longer accept US Savings Bonds for redemption at any of our locations. Redeem them directly through the US Treasury. 

Lunenburg Branch:

The drive-up teller window is temporarily out of order. The ATM is still accessible. We apologize for any inconvenience. 
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Routing Number: #211382931
Routing Number: #211382931
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Checking & Savings
  • Checking
  • Savings
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Advantage Checking

Free checking that earns high interest or cash back while you spend. Get the Workers Advantage today!
Advantage Checking Accounts at your fingertips!
Loans
  • Mortgages
  • Home Loans
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Find Your Perfect Home

Your mortgage should be the easy part. We have the right products and experienced team to get you home.
Learn more about our mortgage loans
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Credit Cards

Meet your new favorite credit card for your personal or business use with rewards options to fit your budget.
Learn more about our credit card options
Investments
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Investments & Planning Solutions

Plan, protect, and grow your financial future with a trusted financial advisor who will work with you to develop strategies tailored to your needs.
Learn more about our Investments & Planning Solutions
Insurance
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Auto Insurance

One-on-one guidance from a local agent and the right coverage at the best price.
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Business
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Business Lending Solutions

Grow your business with a partner that has the loan options and expertise that will help get you to the next level.
Learn more about our Business lending Solutions
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Joining Is Easy!

As a member you'll get access to competitive rates, stellar products, and a top-rated banking app to help you achieve your dreams at any stage of life.

  1. Home
  2. Become a Member

Many Ways to Qualify

  • Family or Roommate. If an immediate family member1 or person living with you is a member, you can be too.
  • Community. You live, work, worship, or attend school in Lowell or Worcester, Massachusetts.
  • Employment. You or an immediate family member* currently work for or are retired from a participating employer.2
  • Charity. Let us make a donation on your behalf to the United Way of North Central Massachusetts.3
  • Financial Fitness Association Membership. Let us pay your first year's membership.4
  • Download our Field of Membership document or Workers Federal Credit Union Bylaws to learn more

Member Benefits

  • Competitive rates on products that help you achieve financial wellness
  • Top-rated mobile app
  • Access to thousands of shared branches and surcharge-free ATMs nationwide
  • Deposits are 100% Insured with combined coverage by the NCUA and MSIC

Become a Business Member

If you have a personal WCU membership and one of the following, you qualify!

  • Business Location. Your business address is in Worcester, MA.
  • Other members. You know another member.

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.

1Immediate family includes spouses, domestic partners, children, grandchildren, parents, grandparents, and siblings (including adopted, in-law, and step relationships).

2Continued employment with a participating employer is not required to maintain your Workers membership.

3Workers will make a one-time $5 donation on your behalf. Continuous donations are not required to maintain your Workers membership.

4By 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.
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119 Russell Street, Littleton, MA 01460
Contact Us | 1-800-221-4020
Contact Center Hours
M-F | 8am - 6pm
Sat | 9am - 12pm
Sun | Closed
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NMLS #472618
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Routing #211382931