What are the current interest rates at Worcester Credit Union?

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

☰

Home›
Credit Unions›
Worcester Credit Union

iAdvertiser Disclosure

Worcester Credit Union Rates & Review May 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: May 10, 2026

Worcester Credit Union's 24-Month Save for Success Hybrid CD rates are at 3.75%. Worcester Credit Union's 30 Year Fixed rates are at 5.89%. 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 4.20%. Rates were last updated on 05/10/2026.

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 Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.20%

Excellent Lower than avg

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
Min Deposit $25 Min Balance $0 Details Transfer In Up To $1,000 Each Month; Build Your Savings At Your Own Pace Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

Worcester Credit Union Mortgage Rates

Product	Rate	Points	APR
30 Year Fixed	5.89%	-	6.00%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
15 Year Fixed	5.88%	-	6.03%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
20 Year Fixed	6.00%	-	6.13%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%
FHA 30 Year Fixed	5.88%	-	6.66%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.20%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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 15

Part-Time Employees 0

Branch Locations 1

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.20%

Return on Assets (ROA)

0.8431%

Return on Equity (ROE)

7.1528%

Non-Performing Loans Ratio (NPL)

0.76%

Total Assets

101,802,778

Total Amount of Shares and Deposits

91,018,378

Total Shares and Deposits < 1 Year

90,198,651

Total Shares and Deposits 1 3 Years

819,727

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

3,277,446

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

3,277,446

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

87,740,932

Total Interest Expense (Sum of items 6 8)

506,755

Share Certificates

489

Number of Accounts for Share Drafts

3,305

IRA KEOGH Accounts

148

Number of Accounts for Regular Shares

6,596

All other shares

Money Market Shares

108

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

6,625,823

Total Liabilities

91,456,783

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Worcester Credit Union earned the Verified Strong 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/worcester-credit-union-rates-review-64144">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-b-2026.svg"
       alt="MonitorBankRates Verified Strong Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Worcester 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Worcester Credit Union

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.