What are the current interest rates at Worcester Credit Union?

Current rates for Worcester Credit Union include: 24-Month CD: 3.75%

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Worcester Credit Union

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Worcester Credit Union Rates & Review September 2026

Q: How many branches does Worcester Credit Union operate?

Worcester 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.

Q: Is a member application needed to join Worcester Credit Union?

Yes, to access services at Worcester 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.

Q: Is there a first-time homebuyer program?

Currently, Worcester 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Worcester Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Worcester Credit Union's 24-Month Save for Success Hybrid CD rates are at 3.75%. Worcester Credit Union's 10/5 Adjustable Rate Mortgage rates are at 6.19%, 15 Year Fixed Mortgage rates are at 6.75%, 20 Year Fixed Mortgage rates are at 6.88%, Fannie 30 Year Fixed Mortgage rates are at 7.12%, MassHousing 30 Year Mortgage rates are at 7.12%. Worcester Credit Union's Auto Loan Rates are as low as 4.24%. MonitorBankRates evaluates the financial stability of Worcester Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.93%. Rates last updated and verified on 09/22/2026.

Worcester 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 Worcester Credit Union? Share your experience about Worcester Credit Union by leaving a review below, or read customer reviews before you decide to use Worcester Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.93%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Worcester Credit Union
Corporate

520 W Boylston St
Worcester, MA 01606-2026

https://www.worcestercu.com

Worcester Credit Union CD Rates

Product	Rate	APY	Term	View More
24-Month Save for Success Hybrid Share Certificate	-	3.75%	24-Month
Min Deposit $25 Min Balance $0 Details High Yield; Maximum opening deposit $1,000. Membership & Worcester Credit Union checking account required to open & for transfers. Automatic transfers set up at account opening & can be adjusted during the Term. Early withdrawal penalty applies. Fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Worcester Credit Union Mortgage Rates

Product	Rate	Points	APR
10/5 Adjustable Rate Mortgage	6.19%	-	6.79%
Details Important Assumptions Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
15 Year Fixed Mortgage	6.75%	-	6.91%
Details Important Assumptions Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
20 Year Fixed Mortgage	6.88%	-	7.01%
Details Important Assumptions Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Fannie 30 Year Fixed Mortgage	7.13%	-	7.23%
Details Important Assumptions Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
MassHousing 30 Year Mortgage	7.13%	-	7.28%
Details Important Assumptions Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
FHA 30 Year Fixed Mortgage	6.75%	-	7.55%
Details Important Assumptions Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Worcester Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loans	-	-	4.24%	up to 4 yr
Details New/Used, Buy/Refi* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Worcester Credit Union Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	1.49%	-	1.50%
Min Deposit $1 Min Balance $25,000 Details Qualifications Required: twelve (12) PIN-based, signature based debit card purchases [each $3.00 or more]; receive 1 or more ACH deposits during the statement cycle; enroll and agree to receive e-statements rather than paper statements; Daily balances over $25,000 earn a dividend rate of 0.05% on the portion of the daily balance over $25,000, resulting in a range from 1.50% to .34% APY depending on the account's daily balance. Reimbursements up to an aggregate total of $20.00 nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. APYs accurate as of 05/11/2021. APY calculations are based on an assumed balance of $125,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $1 Details When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.93%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Worcester Credit Union’s Texas Ratio fell from 7.16% in Q2 2023 to 2.93% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$107M	2.93%	5.0	A+
December 31, 2025	$105M	3.73%	5.0	A+
September 30, 2025	$102M	4.09%	5.0	A+
June 30, 2025	$102M	4.80%	5.0	A+
March 31, 2025	$103M	3.30%	5.0	A+
December 31, 2024	$97M	6.37%	5.0	A
September 30, 2024	$100M	4.81%	5.0	A+
June 30, 2024	$97M	4.19%	5.0	A+
March 31, 2024	$100M	5.91%	5.0	A+
December 31, 2023	$99M	3.80%	5.0	A+
September 30, 2023	$102M	2.93%	5.0	A+
June 30, 2023	$102M	7.16%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Worcester 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 Worcester 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 Worcester Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Worcester Credit Union

Website https://www.worcestercu.com

Address 520 W Boylston St, Worcester, MA 01606-2026

Phone 508-853-9966

Fax 508-853-7524

President Robert Hennigan

CEO Lucas Miller

Full-Time Employees 11

Part-Time Employees 3

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.93%

Return on Assets (ROA)

0.1716%

Return on Equity (ROE)

1.4919%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

107,088,586

Total Amount of Shares and Deposits

95,589,959

Total Shares and Deposits < 1 Year

94,283,690

Total Shares and Deposits 1 3 Years

1,277,822

Total Shares and Deposits > 3 Years

28,446

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

4,008,229

Total Uninsured Shares and Deposits > $250K (F+J)

4,008,229

Total Insured Shares and Deposits > $250K (item 17 less item K)

91,581,730

Total Interest Expense (Sum of items 6 8)

170,888

Share Certificates

507

Number of Accounts for Share Drafts

3,205

IRA KEOGH Accounts

145

Number of Accounts for Regular Shares

6,657

All other shares

Money Market Shares

107

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)

9,873,758

Total Liabilities

96,249,918

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Worcester Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Worcester Credit Union

How many branches does Worcester Credit Union operate?

Worcester 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 Worcester Credit Union?

Yes, to access services at Worcester 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, Worcester 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, Worcester Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Worcester Credit Union offer online and mobile banking?

Most modern institutions like Worcester 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.worcestercu.com.