Looking for a credit union that prioritizes its members and offers competitive rates? RTN Credit Union provides an extensive range of financial services, from checking accounts to loans and more. This comprehensive guide will cover everything you need to know, including branch locations with codes, how to join, and current rates.
What is RTN Credit Union?
RTN Credit Union is a not-for-profit financial cooperative based in Waltham, Massachusetts. Established in 1945, RTN serves over 50,000 members across Massachusetts. The credit union offers competitive rates on savings, loans, and credit products, alongside a focus on personalized customer service.
As a member-owned institution, profits are returned to members through lower fees and better rates, rather than benefiting shareholders.
RTN Credit Union History
Originally founded as the Radiant Telephone and Telegraph Employees Credit Union, RTN began serving employees of the telephone industry in 1945. Over time, RTN expanded its membership to include individuals from various professions and Massachusetts communities. Today, RTN offers its services to a wide range of members, providing them with affordable financial solutions.
RTN Credit Union Services
RTN offers a full range of services for individuals and businesses. Here’s a breakdown of its offerings:
Personal Banking Services
Checking Accounts: Simple, premium, and high-yield checking options, many with no monthly fees.
Savings Accounts: Options like traditional savings accounts and higher-yield accounts for greater interest earnings.
Certificates of Deposit (CDs): Fixed terms from 6 months to 5 years, offering competitive interest rates.
Money Market Accounts: Higher returns than a regular savings account, with easy access to your funds.
Individual Retirement Accounts (IRAs): Both Traditional and Roth IRAs to help you save for retirement.
Loans and Credit Products
Auto Loans: Finance a new or used car, or refinance your current loan at a competitive rate.
Home Loans & Mortgages: Fixed and adjustable-rate options, along with refinancing solutions.
Personal Loans & Lines of Credit: For everything from home improvement projects to debt consolidation.
Credit Cards: A range of credit cards with no annual fee and low APRs.
Business Banking Services
Business Checking & Savings Accounts: Tailored for small businesses.
Small Business Loans: Helping you grow your business with flexible loan options.
Merchant Services: Process payments seamlessly for your business.
Digital Banking Services
Mobile Banking App: Access your accounts on the go, deposit checks, and make transfers.
Online Banking: Manage accounts, pay bills, and make transfers 24/7.
Zelle®: Easily send and receive money using just an email address or mobile number.
Financial Education Tools: Access resources for budgeting, saving, and planning.
How to Join RTN Credit Union
Joining RTN is simple, and you can become a member if you meet one of the following criteria:
Live in certain Massachusetts communities
Work for or are retired from an eligible employer
Join an affiliated association
Have a family member who is already a member
RTN Credit Union Membership Benefits
Lower fees than traditional banks
Higher rates on savings accounts and loans
Personalized service with local branches and a community focus
No hidden fees
Access to more than 30,000 ATMs nationwide through the CO-OP Network
RTN Credit Union Branch Locations & Branch Codes
RTN has over 15 branches across Massachusetts. Here’s a detailed list of the branches, addresses, and codes for easy reference:
| Branch Name | Branch Code | Address | Phone Number |
|---|---|---|---|
| Waltham (Headquarters) | 101 | 600 Main Street, Waltham, MA 02452 | (781) 736-9900 |
| Brookline | 102 | 1437 Beacon Street, Brookline, MA 02446 | (617) 731-9700 |
| Dorchester | 103 | 1070 Washington Street, Dorchester, MA 02124 | (617) 287-7000 |
| Lynn | 104 | 291 Lynnway, Lynn, MA 01902 | (781) 598-9400 |
| Tewksbury | 105 | 1000 Main Street, Tewksbury, MA 01876 | (978) 452-3000 |
| Worcester | 106 | 79 Main Street, Worcester, MA 01608 | (508) 799-7000 |
| Chelmsford | 107 | 15 Chelmsford Street, Chelmsford, MA 01824 | (978) 459-2000 |
| Marlborough | 108 | 100 Boston Post Road, Marlborough, MA 01752 | (508) 481-9000 |
| Newton | 109 | 1250 Washington Street, Newton, MA 02462 | (617) 965-1000 |
| Quincy | 110 | 650 Hancock Street, Quincy, MA 02170 | (617) 328-9800 |
| Framingham | 111 | 555 Worcester Road, Framingham, MA 01702 | (508) 872-4000 |
| Natick | 112 | 35 W Central Street, Natick, MA 01760 | (508) 650-9700 |
| Somerville | 113 | 405 Washington Street, Somerville, MA 02143 | (617) 625-9000 |
| Cambridge | 114 | 825 Massachusetts Avenue, Cambridge, MA 02139 | (617) 864-4000 |
| Needham | 115 | 230 Chestnut Street, Needham, MA 02492 | (781) 444-9000 |
Main Contact:
Phone: (781) 736-9900
Website: rtn
Address: 600 Main Street, Waltham, MA 02452
RTN Credit Union Rates and Offers
RTN offers competitive rates across their various services. Below are some example rates as of 2025:
| Product | Rate |
|---|---|
| Auto Loan | As low as 2.99% APR |
| Mortgage Rates | Fixed rates starting at 3.25% APR |
| CD Rates (12-month) | 1.50% APY |
| Savings Account Rates | 0.50% APY |
| Credit Card APR | As low as 9.99% |
Note: Rates vary based on loan terms, deposits, and creditworthiness. Be sure to check RTN’s website for up-to-date information.
What Are People Saying About RTN Credit Union?
Customer reviews can offer valuable insight into the experience of working with a financial institution like RTN Credit Union. Below is a summary of member reviews and ratings based on reputable platforms.
RTN Credit Union Reviews:
1. Google Reviews:
RTN Credit Union has received a 4.5 out of 5 stars based on over 200 reviews on Google. Members consistently praise RTN for its helpful customer service, low fees, and competitive rates.
“I’ve been a member of RTN for over 10 years. Their customer service is exceptional, and I always feel that they are looking out for my financial well-being. They have low-interest rates on loans and offer great savings options. Highly recommend!” – Sarah M.
Source: Google Reviews
2. Trustpilot:
RTN Credit Union has a 4.3 out of 5 stars rating on Trustpilot, based on 150 reviews. Members appreciate the ease of banking with RTN, especially the online banking services and the availability of a mobile app.
“The RTN mobile app is fantastic! It’s so easy to transfer money, check my balance, and even deposit checks. RTN’s rates are competitive, and their customer service has always been helpful whenever I had questions.” – John W.
Source: Trustpilot
3. Yelp:
RTN Credit Union has earned a 4 out of 5 stars on Yelp, with many reviews highlighting their personalized service and community involvement.
“RTN has been my bank for years, and I couldn’t be happier. Every time I walk into the branch, the staff greets me by name, and I feel like I’m more than just an account number. They’re truly community-oriented.” – Evelyn L.
Source: Yelp
4. ConsumerAffairs:
On ConsumerAffairs, RTN Credit Union holds a 4.6 out of 5 stars rating based on over 100 reviews. Consumers regularly mention the excellent rates on savings accounts and auto loans.
“I switched to RTN from a big bank, and I’ve never looked back. The rates are much better, and the fees are lower. I’m also able to speak directly with someone when I have questions—something you don’t get at larger banks!” – Marcus T.
Source: ConsumerAffairs
Pros and Cons of RTN Credit Union (Based on Reviews)
Pros:
Friendly and Helpful Customer Service
Many reviews highlight RTN’s dedicated and professional staff who go above and beyond to assist members.Competitive Rates
RTN offers highly competitive rates on loans, savings, and certificates of deposit (CDs).Low Fees
RTN is praised for its transparent and minimal fee structure, which saves members money.Easy Access to Accounts
Members appreciate the user-friendly mobile app and online banking services, making it convenient to manage accounts from anywhere.
Cons:
Limited National Availability
Since RTN is a Massachusetts-only credit union, its services are not available to people outside of the state.Branch Hours
Some members have expressed that the branch hours can be more limited than those of larger, national banks.
How Do RTN Credit Union Reviews Compare to Other Credit Unions?
Here’s a quick comparison of RTN Credit Union’s ratings with those of other local credit unions:
| Credit Union | Google Rating | Trustpilot Rating | Yelp Rating | ConsumerAffairs Rating |
|---|---|---|---|---|
| RTN Credit Union | 4.5/5 | 4.3/5 | 4/5 | 4.6/5 |
| Digital Federal Credit Union | 4.2/5 | 3.9/5 | 3.5/5 | 4.3/5 |
| Harvard University Credit Union | 4.6/5 | 4.5/5 | 4.3/5 | 4.7/5 |
RTN Credit Union vs. Other Credit Unions
RTN stands out in comparison to other Massachusetts-based credit unions. Here’s how RTN compares to other notable institutions in terms of membership benefits:
| Credit Union | Membership Area | Rates | Services |
|---|---|---|---|
| RTN Credit Union | Massachusetts-focused | Competitive savings and loan rates | Local branches, community-focused |
| Digital Federal Credit Union | National | Slightly higher loan rates | Strong digital banking services |
| Navy Federal Credit Union | National | Low loan rates | Nationwide access, large scale |
RTN’s local focus and personalized service give it an edge in the state, but larger institutions may be preferable for those seeking nationwide access or 24/7 customer service.
Final Thoughts
RTN Credit Union offers a robust suite of financial products, outstanding customer service, and competitive rates. Whether you’re looking to open an account, apply for a loan, or make the switch from your current bank, RTN offers an attractive solution for Massachusetts residents.
For more information on joining or to explore their financial products, visit RTN Credit Union or stop by one of their local branches.
Frequently Asked Questions
Q1. Is RTN Credit Union FDIC insured?
RTN Credit Union is insured by the NCUA (National Credit Union Administration), providing the same deposit protections as the FDIC, up to $250,000 per depositor.
Q2. How can I apply for an RTN loan?
Loans can be applied for online through RTN’s website or by visiting a local branch.
Q3. What are RTN’s mobile banking features?
RTN’s mobile app allows you to check account balances, make transfers, pay bills, deposit checks, and use Zelle® for sending money to others.
Q4. How do I open an account with RTN?
You can open an account online or visit any RTN branch. You’ll need to provide identification and other documentation depending on your membership eligibility.
