Credit Unions in Worcester, MA
5 member-owned, NCUA-insured credit unions headquartered in or near Worcester, serving a combined 98,829 members. The largest is Webster First. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Webster First
Worcester, MA🇺🇸
85,320 members
Credit Unions & BankingView details →Worcester
Worcester, MA🇺🇸
6,368 members
Credit Unions & BankingView details →Allcom
Worcester, MA🇺🇸
3,813 members
Credit Unions & BankingView details →Worcester Fire Dept.
WORCESTER, MA🇺🇸
2,063 members
Credit Unions & BankingView details →Worcester Police Department
Worcester, MA🇺🇸
1,265 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Worcester: they are based in or near Worcester. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Worcester
8 more credit unions headquartered elsewhere have a branch in Worcester, MA. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Digital
Marlborough, MA🇺🇸
1,870,858 members
Credit Unions & BankingView details →Workers
Littleton, MA🇺🇸
119,940 members
Credit Unions & BankingView details →Brightbridge
LAWRENCE, MA🇺🇸
117,912 members
Credit Unions & BankingView details →Umassfive College
Hadley, MA🇺🇸
51,576 members
Credit Unions & BankingView details →Central One
Shrewsbury, MA🇺🇸
39,412 members
Credit Unions & BankingView details →I-C
FITCHBURG, MA🇺🇸
37,756 members
Credit Unions & BankingView details →All One
Leominster, MA🇺🇸
36,538 members
Credit Unions & BankingView details →Millbury
Millbury, MA🇺🇸
30,023 members
Credit Unions & BankingView details →- Digital — branches: 129 Gold Star Blvd Worcester, MA 01606; 225 Shrewsbury St Worcester, MA 01604-4648; 11 Tobias Boland Way Worcester, MA 01607
- Workers — branch: 301 Grove St Ste 1 Worcester, MA 01605
- Brightbridge — branch: 530 Grafton St Worcester, MA 01604-4747
- Umassfive College — branch: 5 Lake Ave N Rm S1-820 Worcester, MA 01605-2319
- Central One — branch: 123 Summer St Ste 510 Worcester, MA 01608-1216
- I-C — branch: 947 W Boylston St Worcester, MA 01606-1275
- All One — branches: 910 W Boylston St Worcester, MA 01606; 137 Shrewsbury St Worcester, MA 01604; 1 Officer Manny Familia Way Worcester, MA 01605
- Millbury — branches: 117 Stafford St Ste B Worcester, MA 01603-1478; 460 W Boylston St Worcester, MA 01606
How to join a credit union in Massachusetts
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Worcester or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in Worcester — common questions
How many credit unions are in Worcester?
5 member-owned, NCUA-insured credit unions are headquartered in or near Worcester, Massachusetts, with a combined 98,829 members. The largest is Webster First.
Are these the closest credit unions to me in Worcester?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Worcester, geocoded to the city. The second list adds 8 more credit unions headquartered elsewhere that NCUA shows with a branch in Worcester, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Worcester?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Massachusetts accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Worcester?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.