Credit union · NCUA insured
Worcester Credit Union Savings Rates
Worcester Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Worcester Credit Union’s savings rates compare
Compared with banks and credit unions near Worcester, MA, where Worcester Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Worcester Credit Union
0.50%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $50
Kasasa Saver
Top rate
Clinton Savings Bank
3.85%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $385
2nd-highest rate
Country Bank for Savings
3.60%APY
- Requires
- Another account
- Minimum
- $10
- Earns on $10,000 a year
- $360
Worcester Credit Union savings score
66
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Worcester Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
VIP Money Market
0.05%APY
Must have a Worcester Credit Union checking account and receive at least one direct deposit of $500 or greater monthly. If not met for two consecutive dividend periods, account converts to regular Money Market.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $15,000 | 0.05% | $5 |
| $15,000 – $50,000 | 1.25% | — |
| $50,000 – $100,000 | 1.75% | — |
| $100,000 – $250,000 | 2.25% | — |
| $250,000 – $500,000 | 3.00% | — |
| $500,000 and up | 0.05% | — |
Sources (1)
- worcestercu.com/services-tools/tools/rates.html · captured Sep 18, 2026
Kasasa Saver
0.50%APY
Linked Kasasa Cash or Kasasa Cash Back checking account required. Account is free with no monthly maintenance fees. Limit 1 checking and 1 savings per SSN.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $55,000Qualifying rate when linked Kasasa Cash or Kasasa Cash Back qualifications are met (at least 12 debit card purchases of $3+ each, at least 1 ACH deposit, and enrolled in eStatements during monthly qualification cycle).Up to $55,000 | 0.50% | $50 | Qualifying rate when linked Kasasa Cash or Kasasa Cash Back qualifications are met (at least 12 debit card purchases of $3+ each, at least 1 ACH deposit, and enrolled in eStatements during monthly qualification cycle). |
Sources (3)
- worcestercu.com/bank/personal-…s/free-kasasa-saver.html
- worcestercu.com/services-tools/tools/rates.html
- worcestercu.com/bank/personal-savings
All captured Sep 18, 2026
Money Market Account
0.05%APY
Maintain a $2,000 minimum balance to waive the $5 monthly service charge. $1.00 minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Maintain a $2,000 minimum balance to waive the $5 monthly service charge. | 0.05% | $5 | Maintain a $2,000 minimum balance to waive the $5 monthly service charge. |
| $20,000 – $50,000Maintain a $2,000 minimum balance to waive the $5 monthly service charge. | 0.05% | — | Maintain a $2,000 minimum balance to waive the $5 monthly service charge. |
| $50,000 – $100,000Maintain a $2,000 minimum balance to waive the $5 monthly service charge. | 0.10% | — | Maintain a $2,000 minimum balance to waive the $5 monthly service charge. |
| $100,000 and upMaintain a $2,000 minimum balance to waive the $5 monthly service charge. | 0.10% | — | Maintain a $2,000 minimum balance to waive the $5 monthly service charge. |
Sources (2)
- worcestercu.com/bank/personal-…oney-market-account.html
- worcestercu.com/services-tools/tools/rates.html
All captured Sep 18, 2026
Primary Savings Account
0.05%APY
Establishes membership with Worcester Credit Union with a $5 share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarns competitive dividends on entire balance; minimum balance of $5 membership share.$5 and up | 0.05% | $5 | Earns competitive dividends on entire balance; minimum balance of $5 membership share. |
Sources (3)
- worcestercu.com/bank/personal-…ary-savings-account.html
- worcestercu.com/services-tools/tools/rates.html
- worcestercu.com/bank/personal-savings
All captured Sep 18, 2026
Special-purpose accounts
Holiday Club Account
0.10%APY
Funds are automatically deposited to a Worcester CU account on October 1st of each calendar year. Early withdrawal will result in a penalty. Automatically renews.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly on entire balance. No monthly service charge or minimum balance requirement.Any balance | 0.10% | $10 | Dividends are paid quarterly on entire balance. No monthly service charge or minimum balance requirement. |
Sources (3)
- worcestercu.com/bank/personal-savings/club-accounts.html
- worcestercu.com/services-tools/tools/rates.html
- worcestercu.com/bank/personal-savings
All captured Sep 18, 2026
Vacation Club Account
0.10%APY
Funds are automatically deposited to a Worcester CU account on April 1st of each calendar year. Early withdrawal will result in a penalty. Automatically renews.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid quarterly on entire balance. No monthly service charge or minimum balance requirement.Any balance | 0.10% | $10 | Dividends are paid quarterly on entire balance. No monthly service charge or minimum balance requirement. |
Sources (3)
- worcestercu.com/bank/personal-savings/club-accounts.html
- worcestercu.com/services-tools/tools/rates.html
- worcestercu.com/bank/personal-savings
All captured Sep 18, 2026
IRA Savings
0.05%APY
Traditional and Roth IRA options available. No setup or maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo setup fees, no monthly or annual maintenance fees. No minimum deposit to open.Any balance | 0.05% | $5 | No setup fees, no monthly or annual maintenance fees. No minimum deposit to open. |
Sources (3)
- worcestercu.com/bank/personal-…ement-accounts-iras.html
- worcestercu.com/services-tools/tools/rates.html
- worcestercu.com/bank/personal-savings
All captured Sep 18, 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.