Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Workers Federal Credit Union Rates & Review September 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 and Verified: September 21, 2026
Workers Federal Credit Union's 5 Month CD rates are at 3.80%, 24-Month CD rates are at 3.67%, 12-Month CD rates are at 3.25%, 18-Month CD rates are at 3.25%, 36-Month CD 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 0.05%. Workers Federal Credit Union's Personal Loan Rates are as low as 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 7.66%. Rates last updated and verified on 09/21/2026. 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 Home Equity & HELOC
Workers Federal Credit Union Auto Loan Rates
Workers Federal Credit Union RV, Boat and Powersport Loan Rates
Workers Federal Credit Union Personal Loan Rates
Workers Federal Credit Union Other Rates
Financial Health HistoryWorkers Federal Credit Union’s Texas Ratio stayed near 7.54% in Q2 2023 to 7.66% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
815 Main St,
Fitchburg, MA 01420
Phone
978-345-1021
Fax
President
Nilesh Gunda
CEO
James Champion
Full-Time Employees
341
Part-Time Employees
7
Branch Locations
12
ATM Locations
11
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.66%
Return on Assets (ROA)
-0.0423%
Return on Equity (ROE)
-0.4209%
Non-Performing Loans Ratio (NPL)
1.04%
Total Assets
2,507,988,682
Total Amount of Shares and Deposits
1,865,528,566
Total Shares and Deposits < 1 Year
1,485,438,459
Total Shares and Deposits 1 3 Years
337,349,445
Total Shares and Deposits > 3 Years
42,740,662
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
171,958,764
Total Uninsured Shares and Deposits > $250K (F+J)
171,958,764
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,693,569,802
Total Interest Expense (Sum of items 6 8)
16,713,223
Share Certificates
9,000
Number of Accounts for Share Drafts
51,326
IRA KEOGH Accounts
2,446
Number of Accounts for Regular Shares
116,703
Non Member Deposits
27
Money Market Shares
253
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
125,918,923
Total Liabilities
2,425,531,172
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Workers Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Workers Federal Credit Union
Frequently Asked Questions About Workers Federal Credit UnionHow 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.
Compare to Other Credit Unions
Mahoning Valley Federal Credit Union
Marshall County Federal Credit Union
Service Plus Credit Union
Consumers Federal Credit Union
Geauga Credit Union
Concordia Parish School Employees Federal Credit Union
American United Federal Credit Union
Midwest Members Credit Union
Criers Federal Credit Union
Libertyone Credit Union
Maryville Municipal Credit Union
Salina Municipal Credit Union
Rio Grande Credit Union
Integris Federal Credit Union
Bronco Federal Credit Union
Panhandle Federal Credit Union
Self-Help Federal Credit Union
Universal Federal Credit Union
Pipefitters Steamfitters Credit Union
Olive View Employees Federal Credit Union
Access Of Louisiana Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking