NCUA Insured
Member-Owned
2 charter
Established in 1911
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 Lowell, 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 1911
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 Lowell and serves members in the MA area. Currently serving 101,075 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
4.99%Used Auto Loan
4.99%Personal Loan
9.99%Credit Card APR
15.99%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.
2.7
82 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Mapszainab sesay
4 months ago
If you are traveling international don't put your money in this bank they will cancel your transactions. If you ask families members to go and ask them what going on they will treat them like criminals people that work here are very disrespectful rude and have a very horrible customer service. They are not reliable at all. Had to stop using their checking/saving. Their credit cards are even worse with their fees an all smh just go else were and save your time. I wish there was reviews like this before I decided to open my account with them.
kgenius810
4 months ago
Wouldn’t recommend this bank anymore! They are absolutely horrible and uneducated. I called them to ask about an upcoming payment that wasn’t supposed to be card and they said it wouldn’t be charged and if it was they can help reverse it. I tried to ask for alternatives and they said it will be okay. In fact it wasn’t and I called back when I did get charged they were like we cannot do anything and Megan one of the managers said I need to ask higher up for a solution and she would call me back the next day and she didn’t. Honestly! Some of the most uneducated unprofessional people you can deal with. I would suggest you go with DCU or any other bank!!!
G Master
4 months ago
Worst bank ever. Been banking here for over 10 years and it’s gone downhill after COVID. Yall give me more issues than bigger major banks. Makes yall look bad compared to the big boys.
david connolly
4 months ago
you don’t have the (right to offset) without “consent” Or deleting data on the credit card (supposedly owed) well selling debt off to a collector to Harass under f~DCpa
David Soffer
11 months ago
Their HELOC product is the worst - you should definitely go elsewhere if that’s what you’re interested in, and here’s why. They recently implemented an electronic transfer limit of $5,000 per transfer in/out per day/week with an additional limit of $10,000 per month per transfer in/out. So if you want to take out $15,000 to pay for something, you’re out of luck! You would have to wait a month to do this! Or if you were fortunate enough to receive a substantial amount of money and wanted to pay back your HELOC to reduce your interest payments, you’re also out of luck because remember you can only transfer up to $10,000 into your account per month. So they are FORCING you to continue paying additional interest on your loan. I can’t actually believe this is legal but somehow it is. They will tell you this is in the name of preventing fraud, but actually it’s in the name of them making more profit. Then they will tell you they’re a non-profit bank here for you and the community, but actually that couldn’t be further from the truth. They say they’re here “To help our members make smart financial choices.” I suggest you make a smart financial choice and run away from this bank as far as you can.
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
(978) 452-5001Website
Visit WebsiteMembers
101,075
Total Assets
$2.2B
Year Opened
1911
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile