Back to Lowell credit unions

Mills42

83 Merrimack St, Lowell, MA 01852
NCUA Insured4.9 (198 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1958

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

Location & Directions

Address

83 Merrimack St

Lowell, MA 01852

Service Area

This credit union is located in Lowell and serves members in the MA area. Currently serving 2,927 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

5.49%

Used Auto Loan

5.49%

Personal Loan

12.00%

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(1 total)

Member Reviews

4.9

198 Google reviews

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

View on Google Maps
Oscar Quintana

Oscar Quintana

3 months ago

I love my bank Mills42. I have been a member since 2015-2016 and I have always been treated amazing with so much help every time I need it. With the help of David helping me set up my accounts and now account manager Isabella which made my car loan transition so smoothly with great communication and professionalism speaks volume. Thank you Isabella for the hard work and great service you provide for me and for the Mills42 community 😊.

theresa moreno

theresa moreno

4 months ago

I have been trying to get my finances in order and a good friend recommended that I speak to Narey at Mills 42. I originally called for help with refinancing a car loan, but she was so amazing that she was even able to help me with refinancing a personal loan as well. This was my first time refinancing and Narey helped me out so quickly. She never forgot about me and was extremely prompt with all her help. She is helping me save thousands and I’m able to sleep better at night knowing I’m able to save so much! Thank you Narey for all your help, and being so prompt with everything!

Shamir Mbaliro

Shamir Mbaliro

a month ago

My experience has been nothing but great, I was working with Isabella P. she was patient, had great communication and helped me throughout my process of getting a new vehicle. I really appreciate all that she has done, I’m super happy with how the process went!! Thank you so much Isabella! I truly appreciate everything from Mills 42!

Ashley Marie

Ashley Marie

6 months ago

I’ve been a member of this bank for about ten years now, and I can honestly say it’s one of the best financial decisions I’ve made. They don’t just provide services — they actually care about helping their members grow, understand their finances, and feel supported. Over the years, I’ve relied on them for guidance with budgeting, building my credit, and reaching my financial goals, and they’ve always shown patience, clarity, and real investment in my success. I want to give a special thank you to Kristal for her time, guidance, and support in helping me secure a car loan. She made the process so easy and was incredibly knowledgeable, kind, and patient. You can tell she genuinely wants people to feel confident in their decisions and to make the best financial choices for their lives. This bank truly stands out for the way they educate their members and offer consistent support. They help people strengthen their credit, work toward financial stability, and understand their options clearly. After a decade here, I’m still so grateful I chose them — it feels like a long-term investment that continues to pay off. Highly recommend.

Iuliia Iurchenko

Iuliia Iurchenko

6 months ago

Narey Ny, my Mortgage Loan Officer at Mills42 FCU, was amazing! From the first chat to closing day, she was super professional, honest, and really knew her stuff. Narey guided me through every detail, assisted me in understanding my loan options. Her responsiveness was truly impressive; emails and calls were addressed quickly and promptly, which was awesome. I had some difficulties while setting up my bank account, and Narey was very helpful in resolving the issues. Thank you, Narey! If you are seeking a loan officer who genuinely cares about their clients and consistently goes above and beyond, Narey Ny is definitely your person, highly recommended.

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).