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River Works

947 Western Ave, Lynn, MA 01905
NCUA Insured3.4 (28 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

947 Western Ave

Lynn, MA 01905

Service Area

This credit union is located in Lynn and serves members in the MA area. Currently serving 5,341 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.00%

Used Auto Loan

6.00%

Personal Loan

10.50%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MA

Lowest rates currently reported by credit unions in MA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

3.4

28 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Colleen Flessas

Colleen Flessas

5 years ago

I have car loan, my mortgage and most recently refinanced my home with River Works CU. They easily provided the best interest rates out of several banks/credit unions that I was looking into. Everyone is very professional, courteous and pleasant! They made the process as easy as possible and we were even able to close early one our home! They definitely go above and beyond for their customers. I cannot recommend them highly enough!

Mrs. Marian Basin

Mrs. Marian Basin

2 years ago

Nothing wrong with the business itself but stay away from the woman who does mortgage there. It’s incredibly rude and seems unhappy 24/7. She is unhelpful and disrespectful, even my young son lifted his eyebrows overhearing a conversation on the phone. It’s the worst customer service I ever encountered. Feel bad for her doing something she apparently hates!

Polivios Flessas

Polivios Flessas

5 years ago

We recently refinanced our home a couple months ago and I could not have asked for a better staff assisting me through the process. They were professional, courteous, and, above all, diligent in keeping me apprised of the status of my loan application. The loan department guided me through the process and explained the details and what to expect going forward. Needless to write, the staff and leadership at RWCU run an excellent operation.

Richard Bozarjian

Richard Bozarjian

6 years ago

What a wonderful group of people who make Riverworks Credit Union the only place you need to shop for a loan. Far beyond fair, always helpful and simply a pleasure to deal with. It’s like stepping back 30 years in time when service was a priority and pride mattered. It all started with my loan officer Elliott, he found the product that worked best for me. Joellen coached me through the process. Tina and Peter made sure that my loan was processed timely and even locked me into a great rate. If I could give six stars I would... they are that good!!!!

Jared Thresher

Jared Thresher

9 years ago

Great bank. The tellers are very kind and willing to explain what may confuse you. Glad to have riverworks as my Credit Union. The place got remodeled last year and it looks great now. I hadn't seen it prior, just opened an account during the construction but the final result is gorgeous.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).