Credit union · NCUA insured
All One Credit Union
Top CarrotA $864.4M credit union headquartered in Leominster, MA, with 36,606 members and 11 branches in Massachusetts. Best rates: CDs 4.25% and savings 2.50% APY.
All One Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#4 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About All One Credit Union
All One Credit Union is a member-owned cooperative financial institution headquartered in Leominster, Massachusetts, operating seven branches across Leominster, Worcester, Clinton, Holden, Sterling, and North Leominster.
Founded in 1954 as Leominster Credit Union, the institution changed its name to All One Credit Union in 2024.
- Headquarters
- 20 Adams St, Leominster, MA 01453
- NCUA charter
- 66699
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or have business in Worcester, Middlesex, Norfolk, Hampden, Franklin, or Hampshire Counties in Massachusetts are eligible for membership.
Employers and groups
- Individuals who are members of religious, civic, or charitable organizations with their principal place of business in Worcester, Middlesex, Norfolk, Hampden, Franklin, or Hampshire Counties in Massachusetts are eligible for membership.
Family and household
- Family members of current All One Credit Union members—specifically spouse, mother, father, son, daughter, grandparent, grandchild, brother, sister, stepchild, or stepparent guardian—are eligible for membership regardless of where they live.
Cost to join
- Members must maintain a minimum of a $5.00 savings account.
Branches
11 branches in Massachusetts
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Massachusetts
11 branches
- LeominsterMain office20 Adams St, Leominster, MA 01453Directions
- Clinton159 Mechanic St, Clinton, MA 01510Directions
- Clinton High School200 W Boylston St, Clinton, MA 01510Directions
- Fitchburg High School140 Arnhow Farm Rd, Fitchburg, MA 01420Directions
- Holden715 Main St, Holden, MA 01520Directions
- Wachusett Regional High School1401 Main St, Holden, MA 01520Directions
- North Leominster1316 Main St, Leominster, MA 01453Directions
- Sterling7 Main St, Sterling, MA 01564Directions
- Worcester910 W Boylston St, Worcester, MA 01606Directions
- Worcester - Shrewsbury Street137 Shrewsbury St, Worcester, MA 01604Directions
- Worcester Technical High School1 Officer Manny Familia Way, Worcester, MA 01605Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.67% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.27% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.33% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio8.67%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.27%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.33%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of All One Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.