Lowell Firefighters Credit Union

Current RatesBill PayOnline Banking
Lowell Firefighters Credit Union of Lowell, MA, ~ Est. 1936
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Sell Your Ride

This new program allows you to post personal vehicles, including automobiles, motorcycles, boats, personal watercraft, and RVs through the Credit Union's AutoSMART website, accessed from our home page. This new service is free of charge for our members. Through Sell Your Ride, you are able to upload and post your vehicle's information, data and pictures on our AutoSMART site "Private Party" vehicles section. Posted vehicles will be seen locally by other members through their Credit Union's AutoSMART site, as well as nationally by 27.5 million members at the more than 930 credit unions currently using the AutoSMART program.

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:
February 1, 2013
New Cars: 2011-2013*
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
New Cars: 2011-2013*
WITHOUT Direct Deposit		 APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years
 4.00% 18.42
Up to 6 Years
 4.50% 15.87
Used Cars: 2007-2010* APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years 4.25% 18.53
Used Cars: 2002-2006* APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years 5.00% 18.87
Older Used Cars: 2001 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.
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.
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 $75,000		 APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years 3.25% 18.08
Up to 10 Years 3.75% 10.01
Recreational Loans
Maximum of $50,000		 APR Payment Per Thousand
(Based on Longest Term)
NEW - Up to 7 Years 6.25% 14.73
USED - Up to 7 Years 6.75% 14.97
Notice:
As of May 1, 2012, we are paying .35% dividend rate on shares for an APY* of .35%, 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

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

Ron Bouchard, Treasurer