Credit union · NCUA insured
Millbury Federal Credit Union
A $478.3M credit union headquartered in Millbury, MA, with 30,003 members and 5 branches in Massachusetts. Best rates: CDs 4.00% and savings 0.05% APY.
Millbury Federal Credit Union Carrot Score
66
Carrot Score
Higher than 15% of U.S. banks and credit unions
#34 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Millbury Federal Credit Union
- Headquarters
- 50 Main St, Millbury, MA 01527
- NCUA charter
- 24543
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This may be incomplete or out of date, so check with the credit union before you apply.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 or work in Worcester County are eligible to join Millbury Credit Union.
Family and household
- Immediate family members of individuals who live or work in Worcester County are eligible to join Millbury Credit Union.
Cost to join
- Membership requires opening an account with an initial deposit of $5 or more.
Branches
5 branches in Massachusetts
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Massachusetts
5 branches
- MillburyMain office50 Main St, Millbury, MA 01527Directions
- Auburn56 Auburn St, Auburn, MA 01501Directions
- So. Grafton377 Providence Rd, South Grafton, MA 01560Directions
- Greendale460 W Boylston St, Worcester, MA 01606Directions
- Webster Square117 Stafford St Ste B, Worcester, MA 01603Directions
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 | 9.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.29% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.29% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio9.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.29%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.29%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ 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 Millbury Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.