Workers Credit Union High-Yield Savings & Money Market Rates

How Workers Credit Union’s savings rates compare

Compared with banks and credit unions near Worcester, MA, where Workers Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Workers Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
$5
Earns on $10,000 a year
$300
Advantage Savings
Top rate
Clinton Savings Bank
3.85%APY
Requires
None
Minimum
$100
Earns on $10,000 a year
$385
Clinton Savings Bank rates
2nd-highest rate
Country Bank for Savings
3.60%APY
Requires
Another account
Minimum
$10
Earns on $10,000 a year
$360
Country Bank for Savings rates

Compare savings rates near you →

Savings score

Higher than 96% of U.S. banks and credit unions

By balance

$1,000 balance$1,0002.10%
$10,000 balance$10,0002.10%
$100,000 balance$100,0003.85%
QualifiedQualified3.00%

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.

How the score works →

Where Workers 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.

Signature Money Market

0.05%APY$1,000 to open

Subject to membership eligibility. Workers Federal Credit Union membership required ($5 minimum balance to open membership account). Minimum $1,000 deposit to open. No monthly maintenance fees. Up to six convenient debit transactions/withdrawals/transfers per month. Variable-rate tiered account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $15,000Tier 1 rate applies to average daily balance from $0.00 through $14,999.99.	0.05%	$5	Tier 1 rate applies to average daily balance from $0.00 through $14,999.99.
$15,000 and upApplies when average daily balance is $15,000.00 or greater (entire balance earns at variable rate based on U.S. Prime Rate less 3.22%).	3.85%	—	Applies when average daily balance is $15,000.00 or greater (entire balance earns at variable rate based on U.S. Prime Rate less 3.22%).

Sources (3)

All captured Oct 15, 2026

PlanIt+ Savings Account

2.10%APYRequirements apply

For members with a minimum of $100,000 aggregate in qualifying deposit accounts. Must have an active PlanIt+ Checking account as tax reported owner. Workers Federal Credit Union membership required ($5 minimum balance). Higher APYs are earned monthly based on the balance in the account disclosed for each dividend tier.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Must have a PlanIt+ Checking account. Tier 1 rate applies to daily balances $0.00-$49,999.99.	2.10%	$210	Must have a PlanIt+ Checking account. Tier 1 rate applies to daily balances $0.00-$49,999.99.
$50,000 – $100,000Must have a PlanIt+ Checking account. Tier 2 rate applies to daily balances $50,000.00-$99,999.99.	2.10%	—	Must have a PlanIt+ Checking account. Tier 2 rate applies to daily balances $50,000.00-$99,999.99.
$100,000 – $250,000Must have a PlanIt+ Checking account. Tier 3 rate applies to daily balances $100,000.00-$249,999.99.	3.15%	—	Must have a PlanIt+ Checking account. Tier 3 rate applies to daily balances $100,000.00-$249,999.99.
$250,000 and upMust have a PlanIt+ Checking account. Tier 4 rate applies to daily balances $250,000.00 or More.	3.50%	—	Must have a PlanIt+ Checking account. Tier 4 rate applies to daily balances $250,000.00 or More.

Sources (2)

All captured Oct 15, 2026

Advantage Savings

Up to 3.00%APYRequirements apply$5 to open

Must be paired/opened with an Advantage High Interest or Advantage Cash Back checking account. Workers Federal Credit Union membership required ($5 minimum balance). No recurring monthly maintenance charges or fees to open or close account. Limit of one Advantage checking account per social security number.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100,000Qualifying rate earned when linked Advantage Checking qualifications are met during Monthly Qualification Cycle (at least 1 Direct Deposit/ACH credit or debit, at least 15 debit card purchases, and eStatements enrollment). Applies to daily balances up to $100,000.	3.00%	$300	Qualifying rate earned when linked Advantage Checking qualifications are met during Monthly Qualification Cycle (at least 1 Direct Deposit/ACH credit or debit, at least 15 debit card purchases, and eStatements enrollment). Applies to daily balances up to $100,000.
Any balanceBase rate earned on entire daily balance when linked Advantage Checking qualifications are not met during Monthly Qualification Cycle.	0.05%	$5	Base rate earned on entire daily balance when linked Advantage Checking qualifications are not met during Monthly Qualification Cycle.

Sources (5)

All captured Oct 15, 2026

Accelerate Savings

2.10%APY$5 to open

Workers Federal Credit Union membership required; minimum balance to open membership account is $5. No monthly service charge.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMust maintain a minimum daily balance of $5 each day to obtain the disclosed APY.$5 and up	2.10%	$210	Must maintain a minimum daily balance of $5 each day to obtain the disclosed APY.

Sources (3)

All captured Oct 15, 2026

Statement Share Savings

0.05%APY$5 to open

Workers Federal Credit Union membership required; minimum balance to open membership account is $5, which will be held until account termination. Open as basic membership account or secondary account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upMinimum $50 balance to earn APY.$50 and up	0.05%	$5	Minimum $50 balance to earn APY.

Sources (3)

All captured Oct 15, 2026

Special-purpose accounts

Club Savings

0.10%APYClub$5 to open

Workers Federal Credit Union membership required; minimum balance to open membership account is $5 ($5 held until termination). Includes Vacation Club (disbursement May 1) and Holiday Club (disbursement October 1). Withdrawing funds prior to disbursement date forfeits dividends earned.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum $5 daily balance to earn APY. Payouts disbursed on May 1 (Vacation Club) or October 1 (Holiday Club) into linked Workers savings or checking account.$5 and up	0.10%	$10	Minimum $5 daily balance to earn APY. Payouts disbursed on May 1 (Vacation Club) or October 1 (Holiday Club) into linked Workers savings or checking account.

Sources (2)

All captured Oct 15, 2026

IRA Savings

0.05%APYIRA$5 to open

Traditional IRA savings account. Workers Federal Credit Union membership required ($5 minimum balance). Annual contribution limits apply. Penalties and taxes may apply for early withdrawals. Rollover fees apply.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upMinimum $50 balance to earn interest.$50 and up	0.05%	$5	Minimum $50 balance to earn interest.

Sources (2)

All captured Oct 15, 2026

Who can join Workers Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

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How Workers Credit Union’s savings rates compare

Workers Credit Union savings score

Current savings rates

Signature Money Market

PlanIt+ Savings Account

Advantage Savings

Accelerate Savings

Statement Share Savings

Special-purpose accounts

Club Savings

IRA Savings

Who can join Workers Credit Union