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Routing Number: #211382931
Routing Number: #211382931
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Checking & Savings
  • Checking
  • Savings
  • CDs
  • Money Market
  • Relationship Banking
  • Student Banking

Advantage Checking

Free checking that earns high interest or cash back while you spend. Get the Workers Advantage today!
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Loans
  • Mortgages
  • Home Loans
  • Personal Loans
  • Vehicle Loans
  • Student Loans and Refi

Find Your Perfect Home

Your mortgage should be the easy part. We have the right products and experienced team to get you home.
Learn more about our mortgage loans
Credit Cards
  • Platinum
  • Everyday Rewards+
  • Visa Max Cash Preferred Card
  • Compare Credit Cards

Credit Cards

Meet your new favorite credit card for your personal or business use with rewards options to fit your budget.
Learn more about our credit card options
Investments
  • Investments & Planning Solutions
  • Trust & Will

Investments & Planning Solutions

Plan, protect, and grow your financial future with a trusted financial advisor who will work with you to develop strategies tailored to your needs.
Learn more about our Investments & Planning Solutions
Insurance
  • Home Insurance
  • Vehicle Insurance
  • Other Insurance Options
  • Pay Your Bills
  • File a Claim
  • Request a Quote

Auto Insurance

One-on-one guidance from a local agent and the right coverage at the best price.
Learn more about our auto insurance options
Business
  • Business Lending Solutions
  • Business Accounts
  • Meet the Business Team
  • Business Credit Cards
  • Business Insurance
  • Merchant Services

Business Lending Solutions

Grow your business with a partner that has the loan options and expertise that will help get you to the next level.
Learn more about our Business lending Solutions
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First Time Car Buyer Loan

  1. Home
  2. Vehicle Loans
  3. First Time Car Buyer Loans

It’s Time You Have Your Own Ride

More important than a competitive rate and flexible terms, our first-time car buyer program1,2 will help you get independence! Even if you have little to no credit history

Here’s how to qualify:

  1. Have a steady, full-time job.
  2. Apply a down payment of at least 10% of the vehicle price.
  3. Provide proof of income and length of employment.
  4. Give a list of 3 references who can speak to your character and work ethic. Great references include, but are not limited to, landlords, supervisors, and professors.

 

First-Time Car Buyer Program

  • No co-signer required
  • Flexible term options up to 66 months
  • Fast pre-approval process

 

Apply Now

Estimate How Much Car You Can Afford

Use our calculator to make sure your new payment will fit into your budget. Enter your preferred monthly payment, down payment and any trade-in and we’ll tell you how much you should spend on car, including taxes and documentation fees.
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Convenient Online Payments

Pay your loan anytime from your online banking account or through the mobile app.3
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Auto Insurance

Workers Insurance Agency provides customizable coverage with flexible payment options.4
Learn More
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1Subject to credit underwriting and approval. Loan amount may vary based upon credit approval. Visit our rates page for all available rates and terms. Rates effective as of 7/15/2025 and subject to change at any time. Offers may be withdrawn at any time. Workers Federal Credit Union membership required. Other rates and terms available. Annual Percentage Rate=APR.   

2Mileage limit is 120,000 miles. Required down payment as low as 10% (trade-ins can be presented as consideration for down payment).

3Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.

4Coverage varies by carrier. Products offered by Workers Insurance Agency and Affiliated Companies. Coverage is subject to eligibility and availability. Other terms, conditions, and exclusions may apply. Insurance products available through Workers Insurance Agency, a CUSO of Workers Credit Union are: NOT A DEPOSIT NOT INSURED, NOT NCUA INSURED, NOT MSIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT INSURED OR GUARANTEED BY THE CREDIT UNION OR AFFLIATES. MAY LOSE VALUE. SUBJECT TO INVESTMENT RISK INCLUDING POSSIBLE LOSS OF PRINCIPAL INVESTED. 
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119 Russell Street, Littleton, MA 01460
Contact Us | 1-800-221-4020
Contact Center Hours
M-F | 8am - 6pm
Sat | 9am - 12pm
Sun | Closed
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NMLS #472618
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Routing #211382931