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:
April 18, 2018
Cars/Trucks
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
Cars/Trucks
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
Older Vehicles 1997 - ? APR Payment Per Thousand
(Based on Longest Term)
Up to 5 Years 7.00% 19.80
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


The following rates of interest are effective as of:
April 18, 2018
Savings RatesDividend RateAPY*
Regular Shares* (Savings Account)0.35%0.35%
Share Drafts (Checking Account)0.00%0.00%
Christmas and Vacation Clubs0.15%0.15%
Savings Club for Kids0.35%0.35%
Notice:
* Minimum deposit of $100.00 is required to receive dividends. Interest is computed daily, payable monthly.


The following rates of interest are effective as of:
April 18, 2018
CDs
Minimum deposit of $1,000
Dividend RateAPY*
3 months0.40%0.40%
6 months0.50%0.50%
12 months1.25%1.25%
18 months1.35%1.35%
'For Kids Only' CDs
Minimum deposit of $250
Dividend RateAPY*
12 months1.25%1.25%
18 months1.35%1.35%

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