What are the current interest rates at Luso Federal Credit Union?

Current rates for Luso Federal Credit Union include: 12-Month CD: 0.15%, 18-Month CD: 0.20%, 24-Month CD: 0.25%, 60-Month CD: 0.50%, Savings: 0.05%, MMA: 0.20%

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Luso Federal Credit Union

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Luso Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Luso Federal Credit Union?

Yes, to access services at Luso 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Luso 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 and Verified: October 13, 2026

Luso Federal Credit Union's top rates as of October 13, 2026 are 3.55% APY on its Term CD - 15-Month Relationship Special, 0.05% APY on savings, 0.20% APY on money market accounts, 0.50% APY on checking, 5.25% on its 20-Year Amortization Conforming Adjustable Rate Mortgage / Condo - 5/1, personal loans from 13.00% APR, and credit cards from 12.50% APR, according to rates verified by MonitorBankRates. Other Luso Federal Credit Union CD rates include Term CD - 23-Month Relationship Special at 3.25%, Term CD - 60 month at 0.50%, and Term CD - 48 month at 0.40%. Other Luso Federal Credit Union mortgage rates include 7/1 Adjustable CAP 2/4 - Conforming Loan at 5.38%, TRIM: The Rate Improver Mortgage - 30-Year Fixed Rate at 6.62%, and 7/1 Adjustable CAP 2/4 - Jumbo Non-Conforming Loan at 5.88%. MonitorBankRates evaluates the financial stability of Luso Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.60%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.60%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Luso Federal Credit Union
LUSO Federal Credit Union

599 East St
Ludlow, MA 01056

https://www.lusofederal.com

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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 Federal Credit Union CD Rates

Product	Rate	APY	Term
Term Share Certificate - 15-Month Relationship Special	3.48%	3.55%	15 Months
Min Deposit $500 Details Relationship Criteria: Direct Deposit or a 10-Year+ Membership; IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 23-Month Relationship Special	3.19%	3.25%	23 Months
Min Deposit $500 Details Relationship Criteria: Direct Deposit or a 10-Year+ Membership; IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 60 month	0.50%	0.50%	60 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 48 month	0.40%	0.40%	48 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 36 month	0.35%	0.35%	36 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 30 month	0.30%	0.30%	30 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 24 month	0.25%	0.25%	24 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 18 month	0.20%	0.20%	18 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 20 month	0.20%	0.20%	20 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 12 month	0.15%	0.15%	12 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 6 month	0.10%	0.10%	6 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 9 month	0.10%	0.10%	9 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Term Share Certificate - 3 to 5 month	0.05%	0.05%	3 to 5 Months
Min Deposit $500 Details IRA Minimum Balance: $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Luso Federal Credit Union Savings Rates

Product	Rate	APY	View More
Savings Is Fun Statement Share Account	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Balance: Unlimited maximum; Monthly Service Charge: N/A; LUSO funds the first $5 to open; Converts to Smart Start share savings account at age 12 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Luso Federal Credit Union Money Market Rates

Product	Rate	APY
Classic Now Money Market Account	0.20%	0.20%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 and over; Allows 6 free transactions per month, $10 per item thereafter Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Classic Now Money Market Account	0.15%	0.15%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99; Allows 6 free transactions per month, $10 per item thereafter Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Classic Now Money Market Account	0.10%	0.10%
Min Deposit $100 Min Balance $500 Details Balance: $500.00 - $4,999.99; Allows 6 free transactions per month, $10 per item thereafter Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Luso Federal Credit Union Checking Rates

Product	Rate	APY	View More
Rewards Share Draft Checking	0.50%	0.50%
Min Deposit $50 Details Qualifying balance up to $25,000.00; Qualifications Required; Fees may reduce earnings on the account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Luso Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
7/1 Adjustable CAP 2/4 - Conforming Loan	5.375%	0	6.529%	7 months
Details Term: 7/1 Adjustable CAP 2/4; Owner-Occupied; Conforming; Index: 1 YR Treasury; Margin: + 2.75%; 0 Points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.53% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
TRIM: The Rate Improver Mortgage - 30-Year Fixed Rate	6.625%	0	6.722%	30-Year
Details APR based on $150,000.00 loan amount; Loan amount and estimated closing cost fees of $1,500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.72% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
7/1 Adjustable CAP 2/4 - Jumbo Non-Conforming Loan	5.875%	0	6.951%	7 months
Details Term: 7/1 Adjustable CAP 2/4; Owner-Occupied; Jumbo Non-Conforming; Index: 1 YR Treasury; Margin: + 3.00% (Jumbo); 0 Points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
TRIM: The Rate Improver Mortgage - 30-Year Fixed Rate With No LLPA's	6.875%	0	6.973%	30-Year
Details APR based on $150,000.00 loan amount; Loan amount and estimated closing cost fees of $1,500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.97% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
20-Year Amortization Conforming Adjustable Rate Mortgage / Condo - 5/1	5.25%	0	7.107%	5/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.11% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
TRIM: The Rate Improver Mortgage - JUMBO 30-Year Fixed Rate	7.125%	0	7.143%	30 years
Details Term: JUMBO 30-Year Fixed Rate; Jumbo APR based on $832,751.00 loan amount; Loan amount and estimated closing cost fees of $1,500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.14% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
20-Year Amortization Conforming Jumbo Adjustable Rate Mortgage / Condo	5.75%	0	7.251%	5/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%; Owner Occupied/Max Loan $832,750.00; Rates subject to increase after consummation/first adjustment Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.89% → 7.25% ▲ 0.36 pts · high 7.25% / low 6.89% Sep 24, 20267.25%▲ from 6.89% Sep 14, 20266.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Fixed 30 Years - Jumbo Non-Conforming	7.375%	0	7.393%	Fixed 30 Years
Details Owner-Occupied; Jumbo Non-Conforming; 0 Points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
TRIM: The Rate Improver Mortgage - JUMBO 30-Year Fixed Rate With No LLPA's	7.375%	0	7.393%	30 years
Details Term: JUMBO 30-Year Fixed Rate With No LLPA's; Jumbo APR based on $832,751.00 loan amount; Loan amount and estimated closing cost fees of $1,500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Luso Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New/Used Auto Loan Special	-	-	5.99%
Details Effective 10/13/2026; 7 Year New Auto Loan; APR based on a $5,000 loan amount; $75 VSI insurance fee required on all vehicle loans; GAP Insurance available Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.99% ▲ 0.75 pts · high 5.99% / low 5.24% Oct 13, 20265.99%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Luso Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Education Loan	-	-	12.252%	7 Years
Details As Low As; Maximum loan $20,000; Loan terms up to 7 years; No processing fee Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Education Loan	12.50%	-	13.336%	5 Years
Details As Low As; Loan amount $1,000.00 - $10,000.00; Loan proceeds must be used for educational purposes Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Education Loan	12.75%	-	13.38%	7 Years
Details As Low As; Loan amount $1,000.00 - $20,000.00; Loan proceeds must be used for educational purposes Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.25% → 13.38% ▲ 1.13 pts · high 13.38% / low 12.25% Oct 13, 202613.38%▲ from 12.25% Sep 14, 202612.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Education Loan	12.25%	-	13.566%	3 Years
Details As Low As; Loan amount $1,000.00 - $5,000.00; Loan proceeds must be used for educational purposes Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.57% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Luso Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card Secured Loan	-	12.50%
Details Purchase Rate; Regular APR: 12.50%; Cash Advance APR: 15.00%; Balance transfers not allowed; Minimum credit $200; Maximum credit $10,000; Secured by pledged shares in a Visa Secured Share Savings account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Visa Smart Start Classic Credit Card	-	12.50%
Details Purchase APR; Cash Advance APR: 15.00%; Balance Transfer: N/A; Minimum credit $500; Maximum credit $5,000; Earn double CURewards on select purchases for first 30 days Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Visa Platinum Credit Card	-	15.00%
Details Purchase Rate: 15.00% APR; Minimum Credit: $10,000; Maximum Credit: $20,000; Cash Advance: 17.50% APR; Balance Transfer: 5.00% of transfer amount or $10 (whichever is greater) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Visa Classic Credit Card	-	16.50%
Details Purchase Rate APR; Minimum Credit $500; Maximum Credit $9,999.99; Cash Advance: 18.00% APR; Balance Transfer: 5.00% of transfer amount or $10 (whichever is greater) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 16.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Luso Federal Credit Union Personal Loan Rates

Product	APR	Term
Back to School Personal Line of Credit	13.00%	Revolving
Details As Low As; Maximum loan $20,000; Minimum loan; Minimum payment 2.00% of daily outstanding balance plus prior unpaid minimums or $25.00, whichever greater; Loan proceeds must be used for educational purposes; APR based on $5,000.00 loan amount Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Back to School Personal Line of Credit	13.00%	Revolving line of cr
Details Term: Revolving line of credit; As Low As; Maximum loan $20,000; No processing fee; No annual fee; Minimum payment 2.00% of daily outstanding balance or $25.00, whichever greater; Loan proceeds must be used for educational purposes Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Luso Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo - 10/1	5.75%	0	7.166%	10/1
Details Special Offer 0 Points; Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.17% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo - 10/1	5.625%	1	7.261%	10/1
Details Special Offer 1 Points; Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo - 10/1	5.50%	2	7.358%	10/1
Details Special Offer 2 Points; Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.36% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo - 5/1	5.375%	0	7.145%	5/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.15% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo - 5/1	5.25%	1	7.24%	5/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo - 5/1	5.125%	2	7.336%	5/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo - 7/1	5.625%	0	7.159%	7/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.16% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo - 7/1	5.50%	1	7.254%	7/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo - 7/1	5.375%	2	7.351%	7/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.35% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo	5.875%	0	7.328%	5/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.95% → 7.33% ▲ 0.38 pts · high 7.33% / low 6.95% Sep 24, 20267.33%▲ from 6.95% Sep 14, 20266.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo	6.125%	0	7.341%	7/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.95% → 7.34% ▲ 0.40 pts · high 7.34% / low 6.95% Sep 24, 20267.34%▲ from 6.95% Sep 14, 20266.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo	6.25%	0	7.348%	10/1
Details Special Offer 0 Points; Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.35% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo	5.75%	1	7.423%	5/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.03% → 7.42% ▲ 0.40 pts · high 7.42% / low 7.03% Sep 24, 20267.42%▲ from 7.03% Sep 14, 20267.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo	6.00%	1	7.437%	7/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.04% → 7.44% ▲ 0.40 pts · high 7.44% / low 7.04% Sep 24, 20267.44%▲ from 7.04% Sep 14, 20267.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo	6.125%	1	7.444%	10/1
Details Special Offer 1 Points; Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo	5.625%	2	7.52%	5/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.12% → 7.52% ▲ 0.40 pts · high 7.52% / low 7.12% Sep 24, 20267.52%▲ from 7.12% Sep 14, 20267.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo	5.875%	2	7.534%	7/1
Details Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.13% → 7.53% ▲ 0.41 pts · high 7.53% / low 7.13% Sep 24, 20267.53%▲ from 7.13% Sep 14, 20267.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo	6.00%	2	7.541%	10/1
Details Special Offer 2 Points; Index: 1 YR Treasury; Cap: 2/6; Margin: + 3.000% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 10 Year	6.25%	0	6.471%	10 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.10% → 6.47% ▲ 0.38 pts · high 6.47% / low 6.10% Oct 9, 20266.47%▲ from 6.35% Sep 24, 20266.35%▲ from 6.10% Sep 14, 20266.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 10 Year	6.125%	1	6.566%	10 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.19% → 6.57% ▲ 0.38 pts · high 6.57% / low 6.19% Oct 9, 20266.57%▲ from 6.44% Sep 24, 20266.44%▲ from 6.19% Sep 14, 20266.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 10 Year	6.00%	2	6.658%	10 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.28% → 6.66% ▲ 0.38 pts · high 6.66% / low 6.28% Oct 9, 20266.66%▲ from 6.53% Sep 24, 20266.53%▲ from 6.28% Sep 14, 20266.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 15 Year	6.50%	0	6.658%	15 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.28% → 6.66% ▲ 0.38 pts · high 6.66% / low 6.28% Oct 9, 20266.66%▲ from 6.53% Sep 24, 20266.53%▲ from 6.28% Sep 14, 20266.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 15 Year	6.375%	1	6.689%	15 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.31% → 6.69% ▲ 0.38 pts · high 6.69% / low 6.31% Oct 9, 20266.69%▲ from 6.56% Sep 24, 20266.56%▲ from 6.31% Sep 14, 20266.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 15 Year	6.25%	2	6.718%	15 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.34% → 6.72% ▲ 0.38 pts · high 6.72% / low 6.34% Oct 9, 20266.72%▲ from 6.59% Sep 24, 20266.59%▲ from 6.34% Sep 14, 20266.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 20 Year	6.75%	0	6.878%	20 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50% Oct 9, 20266.88%▲ from 6.75% Sep 24, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 20 Year	6.625%	1	6.878%	20 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50% Oct 9, 20266.88%▲ from 6.75% Sep 24, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 20 Year	6.50%	2	6.877%	20 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50% Oct 9, 20266.88%▲ from 6.75% Sep 24, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 25 Year	7.00%	0	7.111%	25 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.61% → 7.11% ▲ 0.50 pts · high 7.11% / low 6.61% Oct 9, 20267.11%▲ from 6.86% Sep 24, 20266.86%▲ from 6.61% Sep 14, 20266.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 25 Year	6.875%	1	7.094%	25 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.59% → 7.09% ▲ 0.50 pts · high 7.09% / low 6.59% Oct 9, 20267.09%▲ from 6.84% Sep 24, 20266.84%▲ from 6.59% Sep 14, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 25 Year	6.75%	2	7.076%	25 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.57% → 7.08% ▲ 0.51 pts · high 7.08% / low 6.57% Oct 9, 20267.08%▲ from 6.82% Sep 24, 20266.82%▲ from 6.57% Sep 14, 20266.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 30 Year	7.00%	0	7.099%	30 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.60% → 7.10% ▲ 0.50 pts · high 7.10% / low 6.60% Oct 9, 20267.10%▲ from 6.85% Sep 24, 20266.85%▲ from 6.60% Sep 14, 20266.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 30 Year	6.875%	1	7.071%	30 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.57% → 7.07% ▲ 0.51 pts · high 7.07% / low 6.57% Oct 9, 20267.07%▲ from 6.82% Sep 24, 20266.82%▲ from 6.57% Sep 14, 20266.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo - 30 Year	6.75%	2	7.041%	30 Year
Details Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.53% → 7.04% ▲ 0.51 pts · high 7.04% / low 6.53% Oct 9, 20267.04%▲ from 6.79% Sep 24, 20266.79%▲ from 6.53% Sep 14, 20266.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Fixed 30 Years - Conforming	6.625%	0	6.722%	Fixed 30 Years
Details Owner-Occupied; Conforming; 0 Points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.72% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	6.75%	0	6.794%	10 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.42% → 6.79% ▲ 0.38 pts · high 6.79% / low 6.42% Oct 9, 20266.79%▲ from 6.67% Sep 24, 20266.67%▲ from 6.42% Sep 14, 20266.42%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	7.00%	0	7.031%	15 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.66% → 7.03% ▲ 0.38 pts · high 7.03% / low 6.66% Oct 9, 20267.03%▲ from 6.91% Sep 24, 20266.91%▲ from 6.66% Sep 14, 20266.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	7.25%	0	7.276%	20 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.90% → 7.28% ▲ 0.38 pts · high 7.28% / low 6.90% Oct 9, 20267.28%▲ from 7.15% Sep 24, 20267.15%▲ from 6.90% Sep 14, 20266.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	7.50%	0	7.521%	25 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.02% → 7.52% ▲ 0.50 pts · high 7.52% / low 7.02% Oct 9, 20267.52%▲ from 7.27% Sep 24, 20267.27%▲ from 7.02% Sep 14, 20267.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	7.50%	0	7.52%	30 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.02% → 7.52% ▲ 0.50 pts · high 7.52% / low 7.02% Oct 9, 20267.52%▲ from 7.27% Sep 24, 20267.27%▲ from 7.02% Sep 14, 20267.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	6.625%	1	6.892%	10 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.52% → 6.89% ▲ 0.38 pts · high 6.89% / low 6.52% Oct 9, 20266.89%▲ from 6.77% Sep 24, 20266.77%▲ from 6.52% Sep 14, 20266.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	6.875%	1	7.066%	15 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.69% → 7.07% ▲ 0.38 pts · high 7.07% / low 6.69% Oct 9, 20267.07%▲ from 6.94% Sep 24, 20266.94%▲ from 6.69% Sep 14, 20266.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	7.125%	1	7.28%	20 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.90% → 7.28% ▲ 0.38 pts · high 7.28% / low 6.90% Oct 9, 20267.28%▲ from 7.15% Sep 24, 20267.15%▲ from 6.90% Sep 14, 20266.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	7.375%	1	7.508%	25 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.01% → 7.51% ▲ 0.50 pts · high 7.51% / low 7.01% Oct 9, 20267.51%▲ from 7.26% Sep 24, 20267.26%▲ from 7.01% Sep 14, 20267.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	7.375%	1	7.496%	30 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.99% → 7.50% ▲ 0.50 pts · high 7.50% / low 6.99% Oct 9, 20267.50%▲ from 7.24% Sep 24, 20267.24%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	6.50%	2	6.987%	10 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.61% → 6.99% ▲ 0.38 pts · high 6.99% / low 6.61% Oct 9, 20266.99%▲ from 6.86% Sep 24, 20266.86%▲ from 6.61% Sep 14, 20266.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	6.75%	2	7.098%	15 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.72% → 7.10% ▲ 0.38 pts · high 7.10% / low 6.72% Oct 9, 20267.10%▲ from 6.97% Sep 24, 20266.97%▲ from 6.72% Sep 14, 20266.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	7.00%	2	7.282%	20 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.90% → 7.28% ▲ 0.38 pts · high 7.28% / low 6.90% Oct 9, 20267.28%▲ from 7.16% Sep 24, 20267.16%▲ from 6.90% Sep 14, 20266.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	7.25%	2	7.493%	25 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 9, 20267.49%▲ from 7.24% Sep 24, 20267.24%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo	7.25%	2	7.47%	30 Year
Details Jumbo / Non-Conforming; As of 10/13/2026 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.96% → 7.47% ▲ 0.51 pts · high 7.47% / low 6.96% Oct 9, 20267.47%▲ from 7.22% Sep 24, 20267.22%▲ from 6.96% Sep 14, 20266.96%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Land Loan - Buildable Land	7.50%	0	9.437%	3 years
Details Term: 3/1 MAX 15-YR Amortization; Requires 20% Down Payment; Index: 1 YR Treasury; CAP: 2/6; Margin: + 6.00%; APR based on $150,000.00 loan amount Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Land Loan - Raw Land	8.50%	0	9.697%	3 years
Details Term: 3/1 MAX 10-YR Amortization; Requires 30% Down Payment; Index: 1 YR Treasury; CAP: 2/6; Margin: + 6.00%; APR based on $150,000.00 loan amount Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.70% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Advantage Statement Share Account	0.10%	-	0.10%
Min Deposit $50,000 Min Balance $50,000 Details Balance: Unlimited maximum; Monthly Service Charge: $30 on balances below minimum; Higher rate for a higher-than-average balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Basic Statement Share Account	0.05%	-	0.05%
Min Deposit $5 Min Balance $100 Details Balance: Unlimited maximum; Monthly Service Charge: N/A; Online Banking, Online Bill Pay and free ATM card Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%
Smart Start Statement Share Account	0.05%	-	0.05%
Min Deposit $5 Min Balance $100 Details Balance: Unlimited maximum; Monthly Service Charge: N/A; For students in middle school and up; Free mobile banking and mobile check deposit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.60%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Luso Federal Credit Union’s Texas Ratio rose from 6.71% in Q3 2023 to 7.60% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$245M	7.60%	5.0	A
March 31, 2026	$242M	5.05%	5.0	A+
December 31, 2025	$239M	6.16%	5.0	A
September 30, 2025	$239M	9.35%	5.0	A
June 30, 2025	$241M	11.31%	5.0	A
March 31, 2025	$242M	11.46%	5.0	A
December 31, 2024	$238M	10.78%	5.0	A
September 30, 2024	$245M	9.92%	5.0	A
June 30, 2024	$243M	7.26%	5.0	A
March 31, 2024	$240M	4.22%	5.0	A+
December 31, 2023	$241M	4.30%	5.0	A+
September 30, 2023	$241M	6.71%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Luso Federal Credit Union

Website https://www.lusofederal.com

Address 599 East St, Ludlow, MA 01056

Phone 413-589-9966

Fax 413-583-4491

President Maria Gomes

CEO Jennifer Calheno

Full-Time Employees 25

Part-Time Employees 4

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.60%

Return on Assets (ROA)

0.2239%

Return on Equity (ROE)

2.0219%

Non-Performing Loans Ratio (NPL)

1.10%

Total Assets

244,619,558

Total Amount of Shares and Deposits

216,341,871

Total Shares and Deposits < 1 Year

192,236,737

Total Shares and Deposits 1 3 Years

23,285,588

Total Shares and Deposits > 3 Years

819,546

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

29,663,348

Total Uninsured Shares and Deposits > $250K (F+J)

29,663,348

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

186,678,523

Total Interest Expense (Sum of items 6 8)

2,074,926

Share Certificates

974

Number of Accounts for Share Drafts

3,996

IRA KEOGH Accounts

332

Number of Accounts for Regular Shares

8,893

All other shares

695

Money Market Shares

334

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)

17,282,215

Total Liabilities

217,535,069

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Luso Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Luso Federal Credit Union

How many branches does Luso Federal Credit Union operate?

Luso 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 Luso Federal Credit Union?

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

Does Luso Federal Credit Union offer online and mobile banking?

Most modern institutions like Luso 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://www.lusofederal.com.