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Digital Banking Maintenance:

Online and mobile banking will be temporarily unavailable for maintenance Sunday, December 14, from 12:30AM until 8:00AM EST. We apologize for any inconvenience. 

New Leominster ATM:

Our drive-up ATM is now open at 866 Merriam Ave. Stay tuned - big updates on the branch opening are coming soon!

Fraud Alert:

Beware of spoofed text messages pretending to be Workers Credit Union. If you have any concerns, please call our Contact Center at 800-221-4020. Read more about potential Holiday Scams in our latest blog.
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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!
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Loans
  • Mortgages
  • Home Loans
  • Personal Loans
  • Vehicle Loans
  • Student Loans and Refi

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
  • Home Insurance
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  • Pay Your Bills
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Auto Insurance

One-on-one guidance from a local agent and the right coverage at the best price.
Learn more about our auto insurance options
Business
  • Business Lending Solutions
  • Business Accounts
  • Meet the Business Team
  • Business Credit Cards
  • Business Insurance
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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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Savings Secured Loans

  1. Home
  2. Personal Loans
  3. Savings Secured Loans

Establish or Rebuild Your Credit

Borrow against your Workers savings account or Certificate of Deposit (CD) for a low-rate loan1 that will help establish or build your credit while still growing your savings.

 

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Affordable Loans, Flexible Terms

  • Use your savings account or CD as collateral
  • Get a low loan rate and still earn interest
  • Repayment terms up to 60 months (5 years)

Savings Secured Loans

APR*
3.00% over Savings/CD dividend rate
Apply Now

Convenient Online Payments

Pay your loan anytime from your online banking account or through the mobile app.2
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1Subject to credit underwriting and approval. Loan amount may vary based upon credit approval. Visit our rates page for all available rates and terms. Rates effective as of 6/26/2025 and subject to change at any time. Offers may be withdrawn at any time. Workers Federal Credit Union membership required. APR=Annual Percentage Rate. The APR of a Savings Secured Loan is 3.00% higher than the account used as collateral.
 
²Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.
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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