|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Luso American Credit Union Rates & Review September 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.
Read Full Bio →
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: September 18, 2026
Luso American Credit Union's 1 Year CD of Deposit rates are at 2.93%, 5 Year CD of Deposit rates are at 1.61%, 4 Year CD of Deposit rates are at 1.41%, 3 Year CD of Deposit rates are at 1.00%, 2 Year CD of Deposit rates are at 0.90%. Luso American Credit Union's savings rates are at 0.10%. Luso American Credit Union's money market rates are at 0.10%. 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%, Portfolio First Mortgage - 15 Year rates are at 6.50%, Portfolio First Mortgage - 15 Year rates are at 6.38%, Portfolio First Mortgage - 30 Year rates are at 6.62%. 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%. 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 1.40%. Rates last updated and verified on 09/18/2026. 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 
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 rose from 0.41% in Q2 2023 to 1.40% in Q1 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
Powered by
MonitorBankRates
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
20
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+ (99/100)
Texas Ratio
1.40%
Return on Assets (ROA)
0.0873%
Return on Equity (ROE)
0.5427%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
122,841,231
Total Amount of Shares and Deposits
102,413,231
Total Shares and Deposits < 1 Year
95,248,670
Total Shares and Deposits 1 3 Years
3,370,370
Total Shares and Deposits > 3 Years
3,794,190
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,872,969
Total Uninsured Shares and Deposits > $250K (F+J)
7,872,969
Total Insured Shares and Deposits > $250K (item 17 less item K)
94,540,262
Total Interest Expense (Sum of items 6 8)
260,819
Share Certificates
547
Number of Accounts for Share Drafts
3,624
IRA KEOGH Accounts
191
Number of Accounts for Regular Shares
6,520
All other shares
215
Money Market Shares
36
Net Income (unless the amount is already included in Undivided Earnings)
107,222
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)
36,333,744
Total Liabilities
103,082,952
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Luso American Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Luso American Credit Union
Frequently Asked Questions About Luso American Credit UnionHow 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/. Current Luso American Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
St Annes Credit Union
Taylorville School Employees Credit Union
GECU Federal Credit Union
DCU Digital Federal Credit Union
GHA Federal Credit Union
Asbestos Workers Local 14 Federal Credit Union
Roswell Community Federal Credit Union
The West Tennessee Credit Union
SHPE Federal Credit Union
West Branch Valley Federal Credit Union
Greater Wayne Community Federal Credit Union
Virginia Beach Postal Federal Credit Union
First Florida Credit Union
Omaha Federal Credit Union
North Coast Credit Union
Faith Community United Credit Union
Indiana Heartland Federal Credit Union
Cal-Ed Federal Credit Union
Mercer Credit Union
1st Ed Credit Union
Baton Rouge City Parish Employees Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
