Lowell Firefighters Credit Union

Current RatesBill PayOnline Banking
Lowell Firefighters Credit Union of Lowell, MA, ~ Est. 1936
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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
Our Current Rates
The following rates of interest on loans are effective as of:
January 15, 2016
New Cars: 2014-2016*
WITH Direct Deposit
APR** Payment Per Thousand
(Based on Longest Term)
3 Years
1.99% 28.64
4 Years
2.49% 21.91
5 Years
2.49% 17.74
6 Years
3.99% 15.64
7 Years
4.25% 13.79
New Cars: 2014-2016*
WITHOUT Direct Deposit
APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years
4.00% 18.42
6 Years
4.50% 15.87
7 Years
5.00% 14.14
Used Cars: 2010-2013* APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years 4.25% 18.53
Used Cars: 2005-2009* APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years 5.00% 18.87
Older Used Cars: 2004 and BELOW* APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years 7.00% 19.80
* New & Used rates are for new loans only. No refinancing of existing LFFCU auto loans.
Vacation Loans
$3,500 Maximum
APR Payment Per Thousand
(Based on Longest Term)
1 Year 5.00% 85.62
18 Months 6.00% 58.25
Auto/Home Insurance Loan APR Payment Per Thousand
(Based on Longest Term)
1 year 2.99% 84.70
Personal Loans***
$500 to Maximum of $15,000
APR Payment Per Thousand
(Based on Longest Term)
1 Year 8.00% 87.00
2 Years 9.00% 45.68
3 Years 10.00% 32.27
4 Years 12.00% 26.33
*** Loan maximum is based upon Credit Score qualifications:
Credit Score below 640 loan max $10,000.
Credit Score 640-679 loan max $12,500.
Credit Score 680+ loan max $15,000.
Educational Loans APR Payment Per Thousand
(Based on Longest Term)
1 year, $15,000 Maximum 4.99% 85.61
Secured Loans
By shares in LFFCU with
monthly payments
APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years 3% OVER SAVINGS/CD RATES 3% OVER SAVINGS/CD RATES
Home Equity Loans
$10,000 to Maximum of $100,000
APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years 3.75% 18.30
Up to 10 Years 4.25% 10.25
Recreational Loans
Maximum of $100,000
APR Payment Per Thousand
(Based on Longest Term)
NEW - Up to 10 Years 7.00% 11.62
USED - Up to 10 Years 7.25% 11.75
Notice:
As of May 1, 2014, we are paying .25% dividend rate on shares for an APY* of .25%, minimum deposit of $100.00 is required to receive dividends. Vacation/Christmas Clubs are paying .15% APY. Interest is computed daily, payable monthly.


CDs 
90 days Please call the Credit Union for our most current CD rates.
We can be reached at (978) 453-2734.
6 months
12 months
18 months
12 months 'For Kids Only' CD's. Minimum deposit of $250.00.
18 months

Equal Housing Opportunity Please Note: CD Rates are subject to change without notice.
A penalty will/or may be imposed for early withdrawal.
Please contact the Credit Union today for the most current rates.

*APY = Annual Percentage Yield
**APR = Annual Percentage Rate

Michael Boldrighini, CEO