Lowell Firefighters Credit Union

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Lowell Firefighters Credit Union of Lowell, MA, ~ Est. 1936
Don't Become a
Cyber-Crime Victim

Please read this article about a recent trend in fradulent 'phishing' e-mail messages.

Lost or Stolen ATM/Debit Cards

In the event that your ATM/Debit Card should become lost or stolen, promptly report it by calling: 1-800-472-3272. At the prompt dial 2.

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GrooveCar Auto Buying Tools Courtesy of Lowell Firefighters Credit Union
Check Imaging

A new service has been added to your checking account. You are now able to print a copy of your checks that have cleared your account as of March 7, 2011. Just go to Virtual Branch - Bank Online and access your account. The check numbers will be in red, double click the number and print.

We May Be Calling You
News & Notes

Below we have listed several announcements of important issues we'd like our members to be aware of, as well as other Credit Union news and events.

Our Mobile Banking Application is Now Available

To enroll, the Mobile Banking App can be downloaded from the Apple App Store or get it on Google Play (search for 'Lowell Firefighters Credit Union'). Access your accounts 24/7, when and where you want right in the palm of your hand. It's fast, secure and free access to your accounts anytime, anywhere but messaging and data rates may apply. You can check your balances, review recent transactions, deposit checks and transfer funds while you are on the go!

You must be enrolled in Online Banking in order to proceed with the app and use the same login credentials as Online Banking. When depositing checks be sure to endorse the back of the check with your signature and write the words "For Mobile Deposit Only LFFCU". Securely store your check for 7 days after is has posted to your account. The limits are $3,500.00 per check and $10,000.00 combined limit per day.

Lowell Firefighters Credit Union
Annual Director's Scholarship Award Winners

The following students are the recipients of the different Scholarships that were offered by the Lowell Firefighters Credit Union. Congratulations and good luck in your future endeavors.

Madeline Gallagher – Director Anthony J. Cassella Jr. Scholarship
Maere Carolan – DC James Mulligan Memorial Scholarship
Shauna Lindsay – Lt. G. Phillip Demers Memorial Scholarship
Felicia Winward – Directors Scholarship
Kali Bellerose – Directors Scholarship
Brady Pare – Directors Scholarship
Austin Chausse – Directors Scholarship

Coming Soon

Have you have been asking for INSURANCE ON LOANS? Well, we have the answer!

We have signed on with Securian Insurance for Debt Protection for all Personal and Auto Loans. This will be offered beginning June 5, 2017, and the insurance will be optional.

For more information, you can call the credit union, or click on the link below to view the brochure.

Read our Consumersafe Debt Protection Brochure (PDF).

Attention All Debit Card Holders

Beginning July 1, 2017, the Lowell Firefighters Credit Union will be re-issuing new debit cards with the chip. Each month, we will send out new cards to replace those that are expiring in that given month. When you receive your new card, you are required to activate the card by calling the 800 number provided. If you have any questions, please call the credit union for more information - 978-453-2734.

Attention All Credit Union Members

Effective February 1, 2017, there will be a fee increase for returns of non-sufficient funds on Share Drafts and ACH withdrawals. It will change from $25.00 to $30.00. There will also be a fee of $1.00 when the system automatically transfers funds to cover deficient transactions for ACH and Share Drafts.

Auto/Homeowner Insurance Loan

This loan is designed to ease the financial burden for those members that are having difficulty maintaining their Auto/Homeowner insurance payments. By utilizing this loan the member does not have to come up with the full payment for the insurance upfront and therefore they will be able to defer the cost over the year in much more manageable payments.

  1. This loan is for Automobile/Homeowner Insurance.
  2. Maximum Amount is $10,000.
  3. Maximum length of time for term is 1 year.
  4. Member must present Insurance bill.
  5. Check will be made payable to the Insurance Company.
  6. Rate: 2.99%
  7. Payments will be $19.55 per week per $1,000

To take advantage of this loan offer, simply come into the office or call us for an application. Or, apply online here.

New Visa Check Card Pin Procedures

Effective September 11, 2014, there will be a new procedure for setting or changing your VISA CHECK CARD PIN.

New Cards: When you receive a new card, you will call 1-800-567-3451, and select your PIN.

Replacement Cards: When you receive a replacement card, you can continue using your existing PIN, or you can select a new PIN by calling 1-800-567-3451.

Change Your PIN at Any Time: You can also call 1-800-567-3451 to change your existing PIN and select a new PIN at any time.

Please call the Credit Union with any questions: 978-453-2734.


Announcing Our High School/Elementary School Tuition Loans

This loan is designed to ease the financial burden for those members that have children in private or public schools that require tuition. By utilizing this loan the member does not have to come up with the full payment for the loan upfront and therefore they will be able to defer the cost over the year in much more manageable payments.

Read more about our High School/Elementary School Tuition Loans here.
Lowell Firefighters Credit Union just became a lot more convenient...
by over 50,000 new ways!

Starting on Wednesday October 3, 2012, we will be part of Allpoint. Allpoint is the largest Surcharge-Free ATM Network, encompasing over 50,000 Surcharge-Free ATMs in all 50 states, Mexico, Puerto Rico, United Kingdom, Canada, & Australia.

No sign-up and no new card issuing is required of our members: you can use your current ATM debit Visa card to access Allpoint's 50,000 "Surcharge-Free" ATMs! Allpoint ATM's are found in convenient retailer locations, like Target, Walgreens, CVS/pharmacy, Costco, and 7-Eleven.

To find the nearest "Surcharge-Free" ATM that is most convenient for you, click on the Allpoint banner on our home page. Or, click here to locate by Zip Code. You can even learn more about Smart Phone Locator Apps that you can download to your phone by clicking here.

Debit Card Limits

Your maximum amount is $1,000 for cash withdrawals at ATMs and $2,500 for POS (point of sale) transactions, either in person or online. This is for a 24 hour period. If the need should arise where you have to have your POS amount increased to make larger purchases or because you are traveling on vacation, then just give us a call and we will gladly increase your limits to whatever you have available in your account. This increase would go into effect immediately and will last until you decide to reduce the limit back to $2,500.

Urgent Announcement About Compromised Debit/Check Cards:

All members are urged to read the following announcement regarding Credit Union policies relevant to the recent high-profile fraud crimes by which the security of a debit/check card might become compromised. Please read this letter from the Treasurer/Manager (PDF).

Changes to Online Banking Procedures

As you may know by now our online banking login procedure has changed. It is a national credit union wide change. It has been changed for your security. Due to the malicious actions of "hackers" and "Identity thieves" access to accounts has become more stringent. The new process is simple: follow the prompts and make sure you keep a record of the answers that you are asked to provide. Keep your information somewhere safe and secure and do not share it with anyone.

Feel free to call us at the credit union with any questions or e-mail us at .
Karen Couillard
Compliance Officer

USA Patriot Act

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT — To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Under the USA Patriot Act the Credit Union is required to establish procedures for identifying and verifying the identity of persons that open new accounts. The Credit Union must also determine whether the person appears on any list of known or suspected terrorists or terrorists organizations and must retain records of the information used for verification of identity.

This means that you will be asked for identification when you open an account. It also means that you may be asked for identification throughout your membership in order to verify your identity. The Credit union is required to implement and adhere to this law. If you have any questions, please feel free to contact Lowell Firefighters Credit Union.

Karen Couillard
Compliance Officer

Your Shares are Insured at Lowell Firefighters Credit Union