Luso

599 East St, Ludlow, MA 01056

NCUA Insured3.2 (24 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1971

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 Ludlow, MA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1971

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

599 East St

Ludlow, MA 01056

Google Maps 🗺Waze

(413) 589-9966

Service Area

This credit union is located in Ludlow and serves members in the MA area. Currently serving 7,932 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

6.16%

Used Auto Loan

7.03%

Personal Loan

13.35%

Credit Card APR

14.83%

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).

Worcester— New Auto Loan

Worcester, MA

1.95%

Beverly Municipal— Used Auto Loan

Beverly, MA

1.99%

Norfolk Community— Personal Loan

Norfolk, MA

3.48%

Methuen— Credit Card APR

Methuen, MA

8.50%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.2

24 Google reviews

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

View on Google Maps

Rata Paga

a year ago

I wouldn't do business here, look elsewhere! Horrible customer service, racially discriminated against me. Ask me all of these personal questions that don't have to do with banking to cash a $400 check! Unbelievably Horrible. Spoke to the branch manager, she said that they wouldn't follow up with the incident and call me back, and a week and a half later, no call backs!! All i want is for that teller to be reprimanded, but I guess I'm going to gmhave to take further. Run from this buisiness!!

Sunshyne65

6 months ago

I have baked here for over 5 years great credit union....

Vincent Lacross

10 months ago

Ben a member for years my debit card wore out and stopped working they charged me for a new one.Mistakenly overdrafted first time ever (my fault )would not waive fee going to look for a new costumer friendly establishment.

Francesca Dias

4 years ago

I love the people who work here and the personalized service but some processes need major improvement. It currently takes 24+ hours to authorize increases on a debit card (after going into the branch to request the increase) - makes it difficult for people who do not use credit cards to pay for sudden larger expenses (i.e. car repair). The process for getting your money back after debit card fraud is beyond inconvenient. Was told it would take at least 10 days to get the money back after going into the branch to fill out pages of paperwork. I appreciate the hard work on the part of the employees and realize the constraints in place by the many authorizations needed and the fact that it is a smaller shop doing things in house but I'm shocked the process for such things takes so long and requires so many follow ups on the part of the customer.

darlene moore

8 years ago

I Never ever received a loan despite the various times I applied. I had 4 loans with pioneer valley credit union in springfield and i was never late and all of them were paid on time. Recently I deposited a check from one of my banks to cover my account for other things coming into Luso and I get a 35.00 charge. Back in the day they would make sure if you put a check in that it cleared and they paid what was coming through without bouncing it.