Workers Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Hannaford (Chelmsford)	66 Drum Hill Rd, Chelmsford, MA 1824	View Lobby Hours
Chelmsford Office	6 Turnpike Rd, Chelmsford, MA 1824	View Lobby Hours
Groton Office	308 Main St, Groton, MA 1450	View Lobby Hours
WalMart (Leom) Office	11 Jungle Rd, Leominster, MA 1453	View Lobby Hours
Acton-Boxborough RHS	36 Charter Rd, Acton, MA 1720	View Lobby Hours
Watertower Plaza Office	319 N Main St, Leominster, MA 1453	View Lobby Hours
Chelmsford High School	200 Richardson Rd, N Chelmsford, MA 1863	View Lobby Hours
Acton Office	452 Great Rd, Acton, MA 1720	View Lobby Hours
Twin City Office	881 Merriam Ave, Leominster, MA 1453	View Lobby Hours
Townsend Office	221 Main St, Townsend, MA 1469	View Lobby Hours
Lancaster Office	145 Main St, Lancaster, MA 1523	View Lobby Hours
Orange Office	32 New Athol Rd, Orange, MA 1364	View Lobby Hours
Main Office	815 Main St, Fitchburg, MA 1420	View Lobby Hours
Gardner	171 Main St, Gardner, MA 1440	View Lobby Hours
Lunenburg Office	603 Massachusetts Ave, Lunenburg, MA 1462	View Lobby Hours
Westford Office	294 Littleton Road #296, Westford, MA 1886	View Lobby Hours
Fitchburg HS	1050 Westminster St, Fitchburg, MA 1420	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1025894	6.464%	6.375%	0.75	$2,975	$1,997	Learn More
NMLS ID: 401822	6.529%	6.375%	1.00	$5,195	$1,997	Learn More
NMLS ID: 6606	6.581%	6.490%	1.00	$3,037	$2,021	Learn More
NMLS ID: 491986						Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 6.800 % After Intro: 6.800 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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