Get the Money you need for the HOME OF YOUR DREAMS!

Whether it is your first place, more space, less space, or second home escape, WE HAVE THE PERFECT MORTGAGE TO SUIT YOUR NEEDS!

  • 15, 20 and 30 Year Terms
  • Fixed and Adjustable Rates available 

Shorter terms may be available with Fixed Home Equity Loans in first position.  See First Lien Equity Loan Page for details.  



Key Features

  • Competitive Rates
  • Free Pre-Approval
  • Variety of Financing Options
  • Fast, Local Service
  • Competitive fixed and adjustable rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when buying your home
  • Refinance your current home to potentially lower your rate
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish 

Hear What Some of Our Members Have to Say

“Worcester Credit Union gave me the absolute best service and stuck with me through the whole process – it couldn’t have been handled better!” — A.W.

“We recently refinanced our home with Worcester Credit Union and we are very happy with the time and attention they provided. They were the perfect mix of personal and professional personality throughout this process. We are very happy we chose Worcester Credit Union.” — L.&B.S.

“Worcester Credit Union was extremely approachable and knowledgeable – they worked to get us the deal we needed within our time frame. Thank you, we are very happy.” — A.G. & T.M.

“Worcester Credit Union was extremely helpful and accommodating and gave me excellent service!” — K.B.

“Worcester Credit Union was excellent. They explained everything carefully and saved me hundreds of dollars.” — M.M.


If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.


Bank Your Way 24/7/365
Telephone Teller • Online Banking • Mobile Banking

Electronic Banking

Worcester Credit Union is INSURED by National Credit Union Administration (NCUA) and Massachusetts Credit Union Share Insurance Corporations (MSIC). The NCUA insures all deposits up to $250,000 per account owners. All deposits above NCUA limits are fully insured by MSIC.

WCU Partners with Mass Save HEAT Loans - learn more