Car repairs, cosmetic surgery, your yearly vacation — find financing for nearly anything, whatever the need, whatever the reason.


Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Service
  • Personal loans for nearly any need:
    • Airfare
    • Emergency expenses
    • Cosmetic surgery
    • Auto repairs
    • Landscaping
    • And so much more
  • Use your savings as collateral
  • Secured savings continues to earn dividends
  • Terms up to 72 months for qualified buyers
  • Avoid adding to long term credit card debt
  • Safe way to build your credit
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing

Secured Loan Options

For a lower rate, take advantage of our secured loan options — we can hold funds in a savings or Certificate of Deposit account while the loan is paid back. The deposits still earn interest at the regular rate, while the loan rate is just 3.00% above the deposit rate. For example, if your Certificate of Deposit is earning 0.90% APY*, your loan rate would be only 3.90% APR*!

*APY = Annual Percentage Yield, APR = Annual Percentage Rate

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