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 Luso American Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Luso American Credit Union's CD of Deposit - 1 Year rates are at 2.93%, CD of Deposit - 5 Year rates are at 1.61%, CD of Deposit - 4 Year rates are at 1.41%, CD of Deposit - 3 Year rates are at 1.00%, CD of Deposit - 2 Year rates are at 0.90%. Luso American Credit Union's savings rates are at 2.02%. Luso American Credit Union's money market rates are at 0.15%. Luso American Credit Union's checking rates are as high as 0.05%. Luso American Credit Union's Portfolio First Mortgage - 15 Year rates are at 6.00%, Portfolio First Mortgage - 30 Year rates are at 6.25%. Luso American Credit Union's Personal Loan Rates are as low as 9.99%. Luso American Credit Union's Credit Card Rates are at 9.99%. Luso American Credit Union's CD rates are 53% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Luso American Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.80%. Rates last updated and verified on 10/30/2026. Luso American 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 Luso American Credit Union? Share your experience about Luso American Credit Union by leaving a review below, or read customer reviews before you decide to use Luso American Credit Union. Luso American Credit Union
Luso American Credit Union 37 Tremont St
https://www.luso-american.com/ Peabody, MA 01960  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Luso American Credit Union CD Rates
Luso American Credit Union Savings Rates
Luso American Credit Union Money Market Rates
Luso American Credit Union Checking Rates
Luso American Credit Union Mortgage Rates
Luso American Credit Union Home Equity & HELOC
Luso American Credit Union Auto Loan Rates
Luso American Credit Union RV, Boat and Powersport Loan Rates
Luso American Credit Union Credit Card Rates
Luso American Credit Union Personal Loan Rates
Luso American Credit Union Other Rates
Financial Health HistoryLuso American Credit Union’s Texas Ratio stayed near 0.34% in Q3 2023 to 0.80% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Luso American 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 Luso American 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 Luso American Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Luso American Credit Union
Website
https://www.luso-american.com/
Address
37 Tremont St,
Peabody, MA 01960
Phone
978-531-5767
Fax
978-531-4607
President
Sergio Costa
CEO
Rahul Kachru
Full-Time Employees
21
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.80%
Return on Assets (ROA)
0.2334%
Return on Equity (ROE)
1.4399%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
123,020,022
Total Amount of Shares and Deposits
102,439,965
Total Shares and Deposits < 1 Year
95,711,314
Total Shares and Deposits 1 3 Years
3,216,037
Total Shares and Deposits > 3 Years
3,512,614
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,748,449
Total Uninsured Shares and Deposits > $250K (F+J)
7,748,449
Total Insured Shares and Deposits > $250K (item 17 less item K)
94,691,516
Total Interest Expense (Sum of items 6 8)
505,335
Share Certificates
544
Number of Accounts for Share Drafts
3,616
IRA KEOGH Accounts
188
Number of Accounts for Regular Shares
6,500
All other shares
210
Money Market Shares
36
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
33,549,469
Total Liabilities
103,081,869
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Luso American Credit UnionDoes Luso American Credit Union offer CDs?Yes. Luso American Credit Union current CD rates include its CD of Deposit - 1 Year at 2.93% APY, its CD of Deposit - 5 Year at 1.61% APY and its CD of Deposit - 4 Year at 1.41% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Luso American Credit Union NCUA insured?Yes. Luso American Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Luso American Credit Union?The highest Luso American Credit Union CD rate is its CD of Deposit - 1 Year at 2.93% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Luso American Credit Union offer?Luso American Credit Union CD rates are 2.93% APY for a 12 month CD, 0.90% APY for a 2 year CD, 1.00% APY for a 3 year CD, 1.41% APY for a 4 year CD and 1.61% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Luso American Credit Union for its full lineup. What is the highest savings rate at Luso American Credit Union?The highest Luso American Credit Union savings rate is its Super Savers Account (Youth Savings) at 2.02% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Luso American Credit Union?The highest Luso American Credit Union money market rate is its Money Market at 0.15% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Luso American Credit Union?The highest Luso American Credit Union checking rate is its Now Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest mortgage rate at Luso American Credit Union?The lowest Luso American Credit Union mortgage rate is its Portfolio First Mortgage - 15 Year at 6.00%, verified by MonitorBankRates as of October 30, 2026. Luso American Credit Union mortgage rates are 6.25% for a 30 year mortgage and 6.00% for a 15 year mortgage. What is the lowest auto loan rate at Luso American Credit Union?The lowest Luso American Credit Union auto loan rate is its Auto Loans at 3.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Luso American Credit Union?The lowest Luso American Credit Union personal loan rate is its Personal Unsecured Loan at 9.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Luso American Credit Union?The lowest Luso American Credit Union credit card APR is its Visa Credit Card at 9.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Luso American Credit Union operate?Luso American 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 Luso American Credit Union?Yes, to access services at Luso American 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, Luso American 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, Luso American Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Luso American Credit Union offer online and mobile banking?Most modern institutions like Luso American 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.luso-american.com/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Luso American Credit Union rates compare?Luso American Credit Union's CD rates are 53% lower than the MonitorBankRates national average, and it has an A+ health rating. Luso American Credit Union's top rates are its CD of Deposit - 1 Year at 2.93% APY, its Super Savers Account (Youth Savings) at 2.02% APY, its Money Market at 0.15% APY, its Now Checking at 0.05% APY, its Portfolio First Mortgage - 15 Year at 6.00%, its Personal Unsecured Loan at 9.99% APR and its Visa Credit Card at 9.99% APR, verified by MonitorBankRates on October 30, 2026. Current Luso American Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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