Credit Unions You Can Join in Massachusetts

Community credit unions in Massachusetts that take members by where you live, work, worship or go to school. Each one is listed largest first, with its own wording and the site we read it on.

Credit unions anyone can join, wherever you live →

How to qualify in Massachusetts

A community credit union serves the area named in its charter. If you live, work, worship or study there, you can usually join; many also accept people who run a business or volunteer in the area.

Relatives and household members of a member can often join too. Check the wording below against where you live, then open a share account to become a member.

Three routes into membership: Where you live, Your job or group, Your family. Each ends with opening a share (savings) account, which makes you a member-owner.Where you livelive, work, worship or study in the named areaYour job or groupemployer, union, church or association namedYour familya relative or household member already belongsOpen a shareaccountyou are now a member-owner
Every route ends the same way: a small deposit into a share account makes you a member. Check the credit union's own wording for the exact rules.

Community credit unions in Massachusetts

Members, largest first: Greylock Credit Union 114,211; Webster First Credit Union 85,320; Freedom Credit Union 31,456; City Of Boston Credit Union 31,261; Millbury Credit Union 30,023; Polish National Credit Union 28,682; Direct Credit Union 23,736; Taunton Credit Union 19,289Greylock Credit Union114kWebster First Credit Union85kFreedom Credit Union31kCity Of Boston Credit Union31kMillbury Credit Union30kPolish National Credit Union29kDirect Credit Union24kTaunton Credit Union19k
Members of the largest community credit unions in Massachusetts, from NCUA data.
  1. Greylock Credit Union

    Where you live or work

    Pittsfield, MA · 114,211 members · $1.8 billion in assets

    “Recognizing the downsizing of its major sponsor company, General Electric Company, PGEECU changed its field of membership to include anyone who lives or works in Berkshire County in April of 1994.”from greylock.org
    Full details and how to join →
  2. Webster First Credit Union

    Where you live or work

    Worcester, MA · 85,320 members · $1.5 billion in assets

    “You are eligible to join Webster First if you live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester Counties of Massachusetts.”from websterfirst.com
    Full details and how to join →
  3. Freedom Credit Union

    Where you live or work

    Springfield, MA · 31,456 members · $764 million in assets

    “Freedom Credit Union membership is open to anyone who lives, works or attends school in Hampden, Hampshire, Franklin or Berkshire counties in Massachusetts, and Hartford or Tolland counties in Connecticut.”from freedom.coop
    Full details and how to join →
  4. City Of Boston Credit Union

    Where you live or work

    South Boston, MA · 31,261 members · $544 million in assets

    “You’re eligible to join if you live, work, or attend school in Middlesex, Norfolk or Suffolk Counties, Massachusetts , or have a family member who does.”from cityofbostoncu.com
    Full details and how to join →
  5. Millbury Credit Union

    Where you live or work

    Millbury, MA · 30,023 members · $468 million in assets

    “If you (or an immediate family member) live or work in Worcester County, it’s easy to join MCU.”from millburycu.com
    Full details and how to join →
  6. Polish National Credit Union

    Where you live or work

    Chicopee, MA · 28,682 members · $777 million in assets

    “We welcome anyone to join PNCU as long as you meet the following requirements for membership: Individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties of Western Massachusetts.”from pncu.com
    Full details and how to join →
  7. Direct Credit Union

    Where you live or work

    Needham, MA · 23,736 members · $795 million in assets

    “With no restrictions, no requirements and no fees, our free Community Checking is for anyone who lives, works, worships, or goes to school in Norfolk or Middlesex Counties, and has an annual household income of less than $60,000.”from direct.com
    Full details and how to join →
  8. Taunton Credit Union

    Where you live or work

    Taunton, MA · 19,289 members · $440 million in assets

    “You are eligible for TFed membership if you live, work, worship, or attend school in the following areas: Massachusetts, Bristol County, Plymouth County, Barnstable County, Rhode Island, Bristol County, Kent County, Newport County, Providence County.”from tfed.com
    Full details and how to join →
  9. Mass Bay Credit Union

    Where you live or work

    South Boston, MA · 17,761 members · $367 million in assets

    “Anyone who lives, works or attends a school, college or university or belongs to a labor organization located within Norfolk County, Suffolk County, Middlesex County, Abington, Brockton, Hanover, Hingham, Lynn, Marshfield, Norwell, Peabody, Rockland, Saugus…”from massbaycu.org
    Full details and how to join →
  10. Members Plus Credit Union

    Where you live or work

    Medford, MA · 13,688 members · $349 million in assets

    “Anyone who lives in Essex, Middlesex, Norfolk, Plymouth, and Suffolk counties can become a member and reap the benefits today!”from memberspluscu.org
    Full details and how to join →
  11. Fall River Municipal Credit Union

    Where you live or work

    Fall River, MA · 13,069 members · $316 million in assets

    “At Fall River Municipal Credit Union, membership is open to individuals who reside, work, attend school or have a place of business in the counties of Bristol, Plymouth, Barnstable and Dukes Counties in Massachusetts and Kent, Providence, Bristol, and Newport…”from frmcu.com
    Full details and how to join →
  12. Alden Credit Union

    Where you live or work

    Chicopee, MA · 12,473 members · $185 million in assets

    “Membership is open to all who live, work or attend school in Hampden, Hampshire and Worcester Counties in Massachusetts or family members of a current member.”from aldencu.com
    Full details and how to join →

More credit unions in this list

Credit unionWhereMembers
Greater Springfield Credit UnionSpringfield10,961
Nesc Credit UnionMethuen7,879
Homefield Credit UnionNorth Grafton6,865
Worcester Credit UnionWorcester6,368
Allcom Credit UnionWorcester3,813

Who can join, across Massachusetts's credit unions

Who can join, across 122 credit unions in Massachusetts. Anyone can join: 0; Anyone, via an association or donation: 0; Live, work or worship in a named area: 17; Employer, union or church group: 3; Sentence too vague to sort: 16; No eligibility sentence on file: 86Anyone can join0Anyone, via an association or donation0Live, work or worship in a named area17Employer, union or church group3Sentence too vague to sort16No eligibility sentence on file86
Credit unions in Massachusetts on NCUA's list, sorted by the eligibility sentence on each one's own website.

Not in one of these areas?

Some credit unions take anyone, directly or through an association, wherever you live. The largest include Connexus Credit Union, American Heritage Credit Union, Utah Community Credit Union.