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 Workers Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Workers Federal Credit Union's 12- Month Investment CD rates are at 4.02%, 5-Month CD Special rates are at 3.80%, 24-Month CDs of Deposit (CDs) rates are at 3.67%, 12-Month CDs of Deposit (CDs) rates are at 3.25%, 18-Month CDs of Deposit (CDs) rates are at 3.25%. Workers Federal Credit Union's savings rates are at 0.05%. Workers Federal Credit Union's money market rates are at 1.35%. Workers Federal Credit Union's Personal Loan Rates are at 9.49%. MonitorBankRates evaluates the financial stability of Workers Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.04%. Rates were last updated on 04/18/2026. Workers Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Workers Federal Credit Union? Share your experience about Workers Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Workers Federal Credit Union. 
Workers Federal Credit Union CD Rates
Workers Federal Credit Union Savings Rates
Workers Federal Credit Union Money Market Rates
Workers Federal Credit Union Checking Rates
Workers Federal Credit Union Auto Loan Rates
Workers Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Workers Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Workers Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Workers Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Workers Federal Credit Union
Website
https://www.wcu.com
Address
119 Russell St,
Littleton, MA 01460
Phone
978-345-1021
Fax
President
Nilesh Gunda
CEO
James Champion
Full-Time Employees
339
Part-Time Employees
8
Branch Locations
13
ATM Locations
18
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.04%
Return on Assets (ROA)
-0.1454%
Return on Equity (ROE)
-1.3504%
Non-Performing Loans Ratio (NPL)
1.27%
Total Assets
2,460,739,081
Total Amount of Shares and Deposits
1,845,605,895
Total Shares and Deposits < 1 Year
1,461,894,175
Total Shares and Deposits 1 3 Years
250,514,696
Total Shares and Deposits > 3 Years
133,197,027
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
198,327,138
Total Uninsured Shares and Deposits > $250K (F+J)
198,327,138
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,647,278,757
Total Interest Expense (Sum of items 6 8)
51,556,174
Share Certificates
9,686
Number of Accounts for Share Drafts
51,319
IRA KEOGH Accounts
2,532
Number of Accounts for Regular Shares
120,156
Non Member Deposits
25
Money Market Shares
192
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
153,069,709
Total Liabilities
2,373,965,139
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Workers Federal Credit UnionIs Workers Federal Credit Union a safe place to deposit money?Yes, Workers Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 9.0364631068199%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Workers Federal Credit Union operate?Workers Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Workers Federal Credit Union?Yes, to access services at Workers Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Workers Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Workers Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Workers Federal Credit Union offer online and mobile banking?Most modern institutions like Workers Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wcu.com. Current Workers Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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