Back to West Wareham credit unions

Cranberry

PO Box 189, West Wareham, MA 02576
NCUA Insured3.3 (13 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1962

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

Location & Directions

Address

PO Box 189

West Wareham, MA 02576

Service Area

This credit union is located in West Wareham and serves members in the MA area. Currently serving 3,465 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

5.72%

Used Auto Loan

5.50%

Personal Loan

9.50%

Credit Card APR

9.90%

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(3 total)

Member Reviews

3.3

13 Google reviews

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

View on Google Maps
Griffin Condon

Griffin Condon

10 months ago

It’s been a while since my first review. A lot has changed (in all the right ways). The representatives are fantastic, quick, and timely. I really enjoy banking with them. Only issue (which is soon to be fixed) is their mobile app, horrible interface

Jessica Franklin

Jessica Franklin

a year ago

I have been a member here for decades. It's a small local credit union where you can call and talk to someone any time you have questions- the staff know you, and are super helpful. It's the personal service that you don't get at big banks. I'll never forget the time I called to check my balance and my friend overheard the conversation... she couldn't believe it was my bank on the other end of the phone because it was like I was talking to an old friend. If you don't want to feel like just a number, then this is a great place. It has changed slightly over the years, but still top notch for that local experience. Keep focusing on that, PCT!

Linda Gavaza

Linda Gavaza

a year ago

What kind of bank can't issue a new debit card? My debit card was hacked and they told me a week ago they would send me a new one but today they told me they can't issue me a new one because they company they use won't issue them any more. Is this bank failing?

Amanda Lee

Amanda Lee

2 years ago

PCT federal credit Union is amazing! We have been a little behind in bills, and don’t have the greatest credit, and they were a life saver, and gave us a small personal loan to catch up, and gave us a chance! The interest is low also! Thank you so much for your help ! We appreciate you!

Adam Lambert

Adam Lambert

12 months ago

The bank it self is ok, but their app is horrible. It’s always down and or some sort of issue every time I got to pay a bill. I’ve never seen such a poorly run app.

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).