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Lowell Municipal Employees Federal Credit Union

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Lowell Municipal Employees Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lowell Municipal Employees Federal 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: April 17, 2026

You can compare Lowell Municipal Employees Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.55%, 6-month share certificate rates at 2.00% and 3-month share certificate rates at 0.80%. Savings rates are at 0.03% and money market rates are at 2.01%. Mortgage rates on 30-year fixed loans are around 6.22%. All these rates can be compared to Lowell Municipal Employees Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Lowell Municipal Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.45%. Rates were last updated on 04/17/2026.

Lowell Municipal Employees Federal 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 Lowell Municipal Employees Federal Credit Union? Share your experience about Lowell Municipal Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lowell Municipal Employees Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.45%

Excellent Lower than avg

Lowell Municipal Employees Federal Credit Union
City Hall

375 Merrimack St
Lowell, MA 01852 5909

https://lmefcu.net

Current Rate Availability

We do not have Lowell Municipal Employees Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lowell Municipal Employees Federal 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 Lowell Municipal Employees Federal 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 Lowell Municipal Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lowell Municipal Employees Federal Credit Union

Website https://lmefcu.net

Address 375 Merrimack St, Lowell, MA 01852 5909

Phone 978-970-4088

Fax 978-446-7022

President Steven Nocco

CEO Joseph Schiappa

Full-Time Employees 1

Part-Time Employees 4

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

0.45%

Return on Assets (ROA)

0.4017%

Return on Equity (ROE)

5.1580%

Non-Performing Loans Ratio (NPL)

0.06%

Total Assets

8,508,785

Total Amount of Shares and Deposits

7,824,413

Total Shares and Deposits < 1 Year

6,951,500

Total Shares and Deposits 1 3 Years

124,122

Total Shares and Deposits > 3 Years

748,791

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

7,824,413

Total Interest Expense (Sum of items 6 8)

69,358

Share Certificates

Number of Accounts for Share Drafts

109

Number of Accounts for Regular Shares

1,388

Non Member Deposits

Money Market Shares

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

34,176

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,097,693

Total Liabilities

7,846,197

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Lowell Municipal Employees Federal Credit Union

Is Lowell Municipal Employees Federal Credit Union a safe place to deposit money?

Yes, Lowell Municipal Employees Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.44603423094078%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Lowell Municipal Employees Federal Credit Union operate?

Lowell Municipal Employees Federal 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 Lowell Municipal Employees Federal Credit Union?

Yes, to access services at Lowell Municipal Employees Federal 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, Lowell Municipal Employees Federal 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, Lowell Municipal Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lowell Municipal Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Lowell Municipal Employees Federal 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://lmefcu.net.