Credit union · NCUA insured
HTM Credit Union
Top CarrotA $29.5M credit union headquartered in Haverhill, MA, with 1,792 members and 1 branch in Massachusetts. Best rates: CDs 3.82% and savings 0.05% APY.
HTM Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#33 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About HTM Credit Union
Formed in 1937 as Haverhill Teachers Credit Union in Haverhill, Massachusetts, HTM Credit Union is a member-owned, state-chartered financial institution.
Headquartered in Haverhill, Massachusetts, the credit union serves municipal workers, healthcare employees, library members, and local community members across the Greater Haverhill region.
- Headquarters
- 4 Summer St Ste 3, Haverhill, MA 01830-5843
- NCUA charter
- 67749
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of HTM Credit Union are eligible for membership.
- Employees or former employees of any healthcare facility in the Greater Haverhill area are eligible for membership.
- Persons working in any building owned or at least 50% leased by healthcare facilities are eligible for membership.
- Members of any public library in the Greater Haverhill area are eligible for membership.
Military, government and schools
- Employees or former employees of the Central Northern Essex Division of the Trial Court of the Commonwealth are eligible for membership.
- Employees or former employees of any city or town in the Greater Haverhill area, including the school department, are eligible for membership.
1 more way to join
Family and household
- Immediate family members of an HTM Credit Union member are eligible for membership.
Cost to join
- Membership requires opening a share savings account with a deposit of $25 or more.
Branches
1 branch in Massachusetts
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Massachusetts
1 branch
- HTM Credit UnionMain office4 Summer St Ste 3, Haverhill, MA 01830Directions
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 | 13.79% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.11% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.69% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $63 | $59 | — |
- CapitalNet worth ratio13.79%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.11%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.69%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$63Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 HTM Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.