Fitchburg, MA 01420
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.55% 1.05% →
2-Year CD 0.75% 1.11% →
5-Year CD 1.06% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Workers is an NCUA insured institution located in Fitchburg, MA. It was founded in 1914 and has approximately $1879.36 millions in assets.

Who can join?

People who either reside in Massachusetts or New Hampshire or work for a company that is based in Massachusetts are eligible to join.

NCUA Insured Yes
Charter Number # # 66479
Date Established 1914
Assets $1,879.36 million
Loans $1,315.76 million
Deposits $1,217.96 million
Capital $203.50 million

Field of Membership Restrictions

Membership in Workers' Credit Union is open to those who live or work in the state of Massachusetts.

Deposit Rates - August 9, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.40% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.55% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.90% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.01% $10,000 $14,999 Learn More
60 Mo CD
1.06% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.05% $1 $499 Learn MoreShow Less
Checking Rates APY MIN FEE
High Interest Checking 1.26% $0 $0.00 Learn MoreShow Less

Loan Rates - August 9, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for WORKERS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.758% 2.690% 0.88 $2,244 $1,013 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Workers branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Workers Locations

Financial Details

Workers Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Workers. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Workers U.S. Average
7.71% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Workers had $15,799,566 in non-current loans and $185,000 in owned assets. To cover these potential losses it had $203,496,392 in net worth and $3,778,714 in loans loss reserves. That gives it a Texas Ratio of 7.71%.

Net Worth
Workers U.S. Average
10.82% 13.61%

Workers FCU has a net worth of 10.82% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Workers

Branches and Savings

What is Workers?

A federal credit union, registered with the NCUA under certificate #66479.
Learn more about credit unions here.

Is Workers FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Workers?

Please see Field of Membership information above for information on who is eligible to join.

What are Workers's share account and share certificate rates?

Workers's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Workers?

Workers has total capital of $203.50 million. Full information on Workers's financial position is located above.

Who owns Workers?

Credit Unions are owned by their members.

Where are Workers branches located?

See branch locations nearby.

Are Workers ATMs Open 24/7?

Do Workers ATMs accept cash deposits?

Can Workers customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Workers have a mobile app?

Does Workers have mobile deposit?

Does Workers have quick pay?

How can Workers transfer money to other banks or credit unions?

Does Workers report to credit bureaus?

Does Workers use Chexsystems?

Does Workers use Equifax?

What is Workers's toll free phone number?

What is Workers's ACH Routing Number?

What is Workers's SWIFT code?

Where can I find Workers's wire transfer form?

What is the Workers address for deposits?

What Products Does Workers Offer

Does Workers offer mortgages?

Compare mortgage rates here.

Does Workers offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Workers offer auto and RV loans?

Compare auto loan rates here.

Does Workers offer student loans or personal loans?

Compare personal loan rates here.

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