Credit union · NCUA insured
Common Trust FCU
A $98.1M credit union headquartered in Woburn, MA, with 5,788 members and 4 branches in Massachusetts. Best rates: CDs 3.30% and savings 0.25% APY.
Common Trust FCU Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#71 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Common Trust FCU
- Headquarters
- 8 Cedar St, Woburn, MA 01801-7246
- NCUA charter
- 17847
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, worships, regularly conducts business in, or attends school in, as well as businesses and other legal entities located in, a contiguous portion of Middlesex County consisting of Arlington, Bedford, Belmont, Burlington, Concord, Lexington, Lincoln, Medford, Melrose, Natick, Needham, Newton, North Reading, Reading, Somerville, Stoneham, Tewksbury, Wakefield, Waltham, Watertown, Wellesley, Weston, Wilmington, Winchester, and Woburn, Massachusetts.
Cost to join
- A $15 share deposit in a Share Account is required to establish membership.
Branches
4 branches in Massachusetts
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Massachusetts
4 branches
- Common Trust FCUMain office8 Cedar St, Woburn, MA 01801Directions
- Bedford VA Branch200 Springs Rd, Bedford, MA 01730Directions
- Lexington Branch3 Fletcher Ave, Lexington, MA 02420Directions
- Wellesley Branch1 Hollis St Ste 105, Wellesley, MA 02482Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.47% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.05% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $45 | $76 | — |
- CapitalNet worth ratio9.47%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.05%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$45Peers’ 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 Common Trust FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.