Watertown Municipal Credit Union serves employees of the City of Watertown, Massachusetts, and their families. This member-owned cooperative delivers savings accounts, checking, auto loans, and personal lending with a public-service ethos, keeping fees low and decisions local for the municipal workers who keep the community running.

Who takes care of the people who take care of Watertown? Watertown Municipal Credit Union does. Built for city employees and their families in this Massachusetts community, WMCU offers no-nonsense checking, savings, and loan options with rates that respect a public servant's paycheck. And when payday arrives, make it count twice: use Fluz to grab instant cashback on gift cards for gas, groceries, dining, and more, then stash the rewards in your WMCU savings. Local banking loyalty plus smart app-powered earning is a combination that keeps your money working as hard as you do.