Billerica Municipal Employees Credit Union Rates and Review February 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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Billerica Municipal Employees Credit Union's 6 month CD rates are at 3.86%, 12 month CD rates are at 3.29%, 18 month CD rates are at 2.78%. Billerica Municipal Employees Credit Union's Personal Loan Rates are at 13.00%. You can compare Billerica Municipal Employees Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.50%, 6-month share certificate rates at 5.15% and 3-month share certificate rates at 3.25%. Savings rates are at 0.75% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates, and more, can be found in our database of rates which you can compare to Billerica Municipal Employees Credit Union rates.
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 by leaving a review below, or read customer reviews before you decide to use . Billerica Municipal Employees Credit Union Texas RatioBillerica Municipal Employees Credit Union's Texas Ratio is at 0.32%, which is considered excellent. The Texas Ratio for Billerica Municipal Employees Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Billerica Municipal Employees Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Billerica Municipal Employees Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Billerica Municipal Employees Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Billerica Municipal Employees Credit Union
Member Services 365 Boston Rd
Billerica, MA 01821 
Billerica Municipal Employees Credit Union CD Rates
Billerica Municipal Employees Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewCredit Union Name: Billerica Municipal Employees Credit Union
Website: https://www.billericamecu.com
Full Time Employees: 2Part Time Employees: 0 President: Paul Morris CEO: Joyce MacMillan Branch Locations: 1 ATM Locations: 0 Corporate Office Address:
365 Boston Rd
Billerica, MA 01821 Phone Number: 978-667-2434 Fax Number: 978-670-6062 FinancialsTotal 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:
5
Number of Accounts for Regular Shares:
1,411
Money Market Shares:
2
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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Billerica Municipal Employees Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Billerica Municipal Employees Credit Union provides a range of mortgage and home equity products. Is Billerica Municipal Employees Credit Union a safe place to deposit money?Yes, Billerica Municipal Employees Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Billerica Municipal Employees Credit Union offer online and mobile banking?Most modern institutions like Billerica Municipal Employees Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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