Credit union · NCUA insured
Worcester Credit Union Credit Card Rates
Worcester Credit Union credit cards start at 12.25% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Worcester Credit Union’s credit card rates compare
Compared with banks and credit unions near Worcester, MA, where Worcester Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Worcester Credit Union
12.25%APR
- Up to
- —
MasterCard
Lowest rate
Worcester Fire Dept Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
Dean Bank
9.99%APR
- Up to
- 17.99% APR
Worcester Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Worcester Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
MasterCard
All loans are subject to credit approval. Credit limits as high as $15,000. Actual rate based on creditworthiness criteria. Foreign transaction fee 2% (converted to US currency) or 0.80% (transactions in US dollars completed outside the US).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Low introductory 0% APR for first 6 months on balance transfers for new cardholders only. Current Worcester CU MasterCards not eligible. FREE balance transfers. WCU reserves the right to discontinue this promotion at any time without notice. |
| Ongoing | 12.25% | None | Variable APR as low as WSJ Prime + 5.25% or higher (currently 12.25% variable APR based on WSJ Prime of 7.00% as of September 16, 2026). Same rate applies to purchases, cash advances & balance transfers (after intro). No cash advance fees. Rates can change monthly. |
Sources (2)
All captured Oct 5, 2026
Who can join Worcester Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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, or attend any school in Worcester County are eligible for membership.
Military, government and schools
- Federal, State, or Municipal employees who work anywhere in Worcester County are eligible for membership.
- Elected or appointed officials of a Federal, State, or Municipal government organization or agency, club, or non-profit in Worcester County are eligible for membership.
- Individuals retired from qualifying government, school, elected, or appointed positions in Worcester County are eligible for membership.
- Employees of a private or regional school system anywhere in Worcester County are eligible for membership.
Family and household
- Family members of a Worcester Credit Union member, including parents, spouse, siblings, and children, are eligible for membership.
1 more way to join
Other ways
- Organizations in Worcester County, including businesses and government organizations or agencies, are eligible for membership.
Membership information collected October 5, 2026.