Credit union · NCUA insured
Homefield Credit Union
A $170.6M credit union headquartered in North Grafton, MA, with 6,883 members and 2 branches in Massachusetts. Best rates: savings 0.10% APY.
Homefield Credit Union Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#32 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Homefield Credit Union
Homefield Credit Union was founded in 1966 and originally chartered as Grafton Suburban Credit Union.
The credit union serves a field of membership encompassing all of Worcester and Middlesex counties in Massachusetts.
- Headquarters
- 86 Worcester St, North Grafton, MA 01536-1020
- NCUA charter
- 68057
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live in Worcester County or Middlesex County in Massachusetts.
- Membership is open to individuals who work in Worcester County or Middlesex County in Massachusetts.
Military, government and schools
- Membership is open to individuals who attend any elementary school, secondary school, or school of higher education in Worcester County or Middlesex County in Massachusetts.
Family and household
- Membership is open to family members of individuals who live, work, or attend school in Worcester County or Middlesex County in Massachusetts.
Branches
2 branches in Massachusetts
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Massachusetts
2 branches
- Homefield Credit UnionMain office86 Worcester St, North Grafton, MA 01536Directions
- Milford Branch138 S Main St, Milford, MA 01757Directions
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 | 10.12% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.69% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.23% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $92 | $76 | — |
- CapitalNet worth ratio10.12%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.69%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.23%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$92Peers’ 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 Homefield Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.