Credit union · NCUA insured
Workers Credit Union
Top CarrotA $2.5B credit union, the 214th largest of 4,329, headquartered in Littleton, MA, with 119,644 members and 12 branches in Massachusetts. Best rates: CDs 3.80% and savings 2.10% APY.
Workers Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#8 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Workers Credit Union
Chartered in 1914, Workers Credit Union was founded by John Suominen to support the economic welfare of fellow Finnish immigrants in Fitchburg.
Based in Littleton, Massachusetts, the credit union serves more than 120,000 personal and business members across the region.
- Headquarters
- 119 Russell St, Littleton, MA 01460
- NCUA charter
- 24923
Branches
12 branches in Massachusetts
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Massachusetts
12 branches
Worcester area · 6
- Athol Office107 Tower Rd, Athol, MA 01331Directions
- Fitchburg Office815 Main St, Fitchburg, MA 01420Directions
- Gardner171 Main St, Gardner, MA 01440Directions
- Lancaster Office145 Main St, Lancaster, MA 01523Directions
- Lunenburg Office603 Massachusetts Ave, Lunenburg, MA 01462Directions
- Worcester - Trolley Yard301 Grove St Ste 1, Worcester, MA 01605Directions
Boston area · 5
- Chelmsford Office6 Turnpike Rd, Chelmsford, MA 01824Directions
- Groton Office308 Main St, Groton, MA 01450Directions
- Lowell1201 Bridge St, Lowell, MA 01850Directions
- Townsend Office221 Main St, Townsend, MA 01469Directions
- Westford Office294 Littleton Road #296, Rt 110, Westford, MA 01886Directions
Greenfield area · 1
- Orange Office32 New Athol Rd, Orange, MA 01364Directions
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 | 10.05% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.81% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | -0.21% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $104 | $88 | — |
- CapitalNet worth ratio10.05%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.81%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets-0.21%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$104Peers’ 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 Workers Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.