NCUA Insured
Member-Owned
2 charter
Established in 1936
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Lynn, MA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1936
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Lynn and serves members in the MA area. Currently serving 5,341 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
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.
Lowest rates currently reported by credit unions in MA (NCUA Q4 2025).
Worcester, MA
Beverly, MA
Norfolk, MA
Methuen, MA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.4
28 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsColleen 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
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
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
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
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.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(781) 599-0096Website
Visit WebsiteMembers
5,341
Total Assets
$184.9M
Year Opened
1936
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile