What are the current interest rates at Billerica Municipal Employees Credit Union?

Current rates for Billerica Municipal Employees Credit Union include: 12-Month CD: 3.29%, 18-Month CD: 2.78%

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Billerica Municipal Employees Credit Union

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Billerica Municipal Employees Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Billerica Municipal Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 20, 2026

Billerica Municipal Employees Credit Union's 6 month CD rates are at 3.55%, 12 month CD rates are at 3.29%, 18 month CD rates are at 2.78%. MonitorBankRates evaluates the financial stability of Billerica Municipal Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.31%. Rates were last updated on 05/20/2026.

Billerica Municipal Employees Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Billerica Municipal Employees Credit Union? Share your experience about Billerica Municipal Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Billerica Municipal Employees Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.31%

Excellent Lower than avg

Billerica Municipal Employees Credit Union
Member Services

365 Boston Rd
Billerica, MA 01821

https://www.billericamecu.com

Billerica Municipal Employees Credit Union CD Rates

Product	Rate	APY	Term
6 month CD	3.50%	3.55%	6 Months
Min Balance $500 Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.31%
12 month CD	3.24%	3.29%	12 Months
Min Balance $500 Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.31%
18 month CD	2.75%	2.78%	18 months
Min Balance $500 Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.31%

Billerica Municipal Employees Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	8.75%
No additional details. Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.31%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Billerica Municipal Employees Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Billerica Municipal Employees Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Billerica Municipal Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Billerica Municipal Employees Credit Union

Website https://www.billericamecu.com

Address 365 Boston Rd, Billerica, MA 01821

Phone 978-667-2434

Fax 978-670-6062

President Paul Morris

CEO Joyce MacMillan

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.31%

Return on Assets (ROA)

0.4348%

Return on Equity (ROE)

2.5854%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

23,966,454

Total Amount of Shares and Deposits

19,898,178

Total Shares and Deposits < 1 Year

19,651,038

Total Shares and Deposits 1 3 Years

247,140

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

920,649

Total Uninsured Shares and Deposits > $250K (F+J)

920,649

Total Insured Shares and Deposits > $250K (item 17 less item K)

18,977,529

Total Interest Expense (Sum of items 6 8)

263,045

Share Certificates

278

Number of Accounts for Share Drafts

171

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,411

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

104,218

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,070,828

Total Liabilities

19,935,399

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Billerica Municipal Employees Credit Union

How many branches does Billerica Municipal Employees Credit Union operate?

Billerica Municipal Employees Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Billerica Municipal Employees Credit Union?

Yes, to access services at Billerica Municipal Employees Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Billerica Municipal Employees Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Billerica Municipal Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Billerica Municipal Employees Credit Union offer online and mobile banking?

Most modern institutions like Billerica Municipal Employees Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.billericamecu.com.