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iAdvertiser Disclosure
Advertiser Disclosure
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 Luso American Credit Union Rates & Review April 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: April 19, 2026
Luso American Credit Union's 1 Year CDs of Deposit rates are at 2.93%, 5 Year CDs of Deposit rates are at 1.61%, 4 Year CDs of Deposit rates are at 1.41%, 3 Year CDs of Deposit rates are at 1.00%, 2 Year CDs of Deposit rates are at 0.90%. Luso American Credit Union's Portfolio First Mortgage 15 year rates are at 5.50%, Portfolio First Mortgage 30 Year rates are at 5.75%, 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 6.38%. 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 0.82%. Rates were last updated on 04/19/2026. 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 Mortgage Rates
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
Deborah Luciano
Full-Time Employees
16
Part-Time Employees
4
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
0.82%
Return on Assets (ROA)
0.6577%
Return on Equity (ROE)
4.1989%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
124,426,321
Total Amount of Shares and Deposits
104,343,265
Total Shares and Deposits < 1 Year
97,607,669
Total Shares and Deposits 1 3 Years
5,014,033
Total Shares and Deposits > 3 Years
1,721,563
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,665,559
Total Uninsured Shares and Deposits > $250K (F+J)
7,665,559
Total Insured Shares and Deposits > $250K (item 17 less item K)
96,677,706
Total Interest Expense (Sum of items 6 8)
932,251
Share Certificates
572
Number of Accounts for Share Drafts
3,629
IRA KEOGH Accounts
205
Number of Accounts for Regular Shares
6,644
All other shares
221
Money Market Shares
40
Net Income (unless the amount is already included in Undivided Earnings)
818,406
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
35,725,770
Total Liabilities
104,935,180
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Luso American Credit UnionIs Luso American Credit Union a safe place to deposit money?Yes, Luso American Credit Union is considered a safe financial institution. With a Texas Ratio of 0.82335867356354%, 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 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.
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