Credit union · NCUA insured
Webster First Federal Credit Union
A $1.5B credit union, the 327th largest of 4,329, headquartered in Worcester, MA, with 84,905 members and 14 branches in Massachusetts. Best rates: CDs 4.30% and savings 0.15% APY.
Webster First Federal Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#20 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Webster First Federal Credit Union
Webster First Federal Credit Union is a member-owned credit union headquartered in Worcester, Massachusetts, originally founded in 1928 as Webster Credit Union.
After changing its charter to a federal credit union in 1995 and completing multiple mergers, its field of membership expanded across Essex, Middlesex, Suffolk, and Worcester Counties.
- Headquarters
- 271 Greenwood St, Worcester, MA 01607
- NCUA charter
- 24557
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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester Counties of Massachusetts are eligible to join.
Employers and groups
- Current Webster First employees, community volunteers, and surviving spouses of individuals who died while within the field of membership are eligible to join.
- Businesses and other legal entities located in Worcester, Essex, Middlesex, or Suffolk Counties, Massachusetts are eligible to join.
Family and household
- Members of the immediate family or household, and organizations of anyone meeting eligibility qualifications, are eligible to join.
Branches
14 branches in Massachusetts
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Massachusetts
14 branches
Worcester area · 10
- Auburn547 Southbridge St, Auburn, MA 01501Directions
- Charlton20 Trolley Crossing Rd, Charlton, MA 01507Directions
- Douglas282 Main St, Douglas, MA 01516Directions
- Dudley16 Airport Rd, Dudley, MA 01571Directions
- Fitchburg65 North St, Fitchburg, MA 01420Directions
- Spencer118 W Main St, Spencer, MA 01562Directions
- Webster41 E Main St, Webster, MA 01570Directions
- West Boylston149 W Boylston St, West Boylston, MA 01583Directions
- Whitinsville1298 Providence Rd, Whitinsville, MA 01588Directions
- Worcester275 Greenwood St, Worcester, MA 01607Directions
Boston area · 4
- Cambridge Teachers20 Felton Street, Cambridge, MA 02138Directions
- Hopkinton22 South St Ste 106, Hopkinton, MA 01748Directions
- Saugus Main509 Main St, Saugus, MA 01906Directions
- Winthrop15 Woodside Ave, Winthrop, MA 02152Directions
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 | 19.66% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.41% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.79% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $125 | $88 | — |
- CapitalNet worth ratio19.66%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.41%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.79%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$125Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Webster First 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.