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LUSO Federal Credit Union

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CURRENT TOP RATE

60 Month MAX Relationship CD

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.50%	Reward Checking	Rewards Share Draft Checking 1.82% - National Average
1.30%	5-year CD	60 Month Term Share Certificate 2.25% - Ally Bank High Yield 5 Year CD
0.65%	1-year CD	12 Month Term Share Certificate 1.35% - Ally Bank High Yield 12-Month CD

View all LUSO Federal Credit Union rates »

Overview / Commentary

www.lusofederal.com

413-589-9966

599 East St
Ludlow, MA 01056

LUSO Federal Credit Union is headquartered in Ludlow and is the 36^th largest credit union in the state of Massachusetts. It is also the 974^th largest credit union in the nation. It was established in 1971 and as of December of 2016, it had grown to 30 employees and 7,660 members at 2 locations. LUSO Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, and businesses or other legal entities located throughout Hampden County, Massachusetts are eligible for membership.
See current membership details

Related Posts

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2006

2/17 - 5% 11-Month / 5.45% 60-Month CD at a Massachusetts CU

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Health

A

Data as of Q4 2016

Learn why bank health matters

Health Grade Components

Overall
NCUA #	20600
Year Chartered	1971
Employees	30
Primary Regulator

Profit Margin
Return on Assets - YTD	0.63%
Return on Equity - YTD	6.35%
Annual Interest Income	$7.2MM

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$212.2MM$205.6MM
Loans	Q4 2016vs Q4 2015	$183.5MM$172.5MM
Deposits	Q4 2016vs Q4 2015	$183.7MM$177.0MM
Equity Capital	Q4 2016vs Q4 2015	$21.2MM$19.8MM
Loan Loss Allowance	Q4 2016vs Q4 2015	$1.0MM$1.1MM
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$1.3MM$1.9MM
Real Estate Owned	Q4 2016vs Q4 2015	$0$0

Rates

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Savings
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Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

LUSO Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$100k^*	-	''IRA'' Statement Share
OTHER TIERS: 0.15% → $250 - $5k \| 0.20% → $5k - $10k \| 0.25% → $10k - $50k \| 0.30% → $50k - $100k
0.20%	$50k	-	"Advantage" Statement Share
0.15%	-	-	"Solar" Statement Share
0.10%	-	-	"Basic" Passbook Share
0.10%	-	-	"Basic" Statement Share
0.10%	-	-	"Savings Is Fun" Statement Share
0.10%	-	-	"L-U-S-O" Statement Share
0.10%	-	-	"Better Business" Statement Share
0.05%	-	-	"Holiday" 50 Week Club
0.05%	-	-	"Vacation" Club
0.05%	-	-	"Just In Case" Club

LUSO Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$25k^*	-	"Classic" NOW Money Market Account
OTHER TIERS: 0.15% → $200 - $5k \| 0.20% → $5k - $25k
0.25%^*	$25k^*	-	"Elite" Now Business Money Market
OTHER TIERS: 0.15% → $200 - $5k \| 0.20% → $5k - $25k

LUSO Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%^*	-	$25k	Rewards Share Draft Checking
OTHER TIERS: 0.05% → $25k+
0.25%	$500	-	"Smart Start" Share Draft Checking
0.10%	$500	-	"Organic" Share Draft Checking
0.10%	$500	-	"Preferred" Share Draft Checking
0.10%	$200	-	''Second Chance'' Share Draft Checking
0.05%	$500	-	"Classic" Share Draft Checking
0.05%	$500	-	"60 Plus" Share Draft Checking
0.05%	$2,500	-	"Elite" Business Share Draft Checking
0.05%	$500	-	"Secure" Share Draft Checking

LUSO Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.80%	$500	-	60 Month MAX Relationship CD
1.60%	$500	-	48 Month MAX Relationship CD
1.50%	$500	-	36 Month MAX Relationship CD
1.35%	$500	-	30 Month MAX Relationship CD
1.30%	$500	-	60 Month Term Share Certificate
1.25%	$500	-	20 Month MAX Relationship CD
1.25%	$500	-	24 Month MAX Relationship CD
1.20%	$500	-	18 Month MAX Relationship CD
1.15%	$500	-	12 Month MAX Relationship CD
1.10%	$500	-	48 Month Term Share Certificate
1.00%	$500	-	36 Month Term Share Certificate
0.95%	$500	-	9 Month MAX Relationship CD
0.85%	$500	-	30 Month Term Share Certificate
0.75%	$500	-	20 Month Term Share Certificate
0.75%	$500	-	24 Month Term Share Certificate
0.70%	$500	-	18 Month Term Share Certificate
0.65%	$500	-	12 Month Term Share Certificate
0.45%	$500	-	9 Month Term Share Certificate
0.40%	$500	-	6 Month Term Share Certificate
0.30%	$500	-	3 Month Term Share Certificate
0.30%	$500	-	4 Month Term Share Certificate
0.30%	$500	-	5 Month Term Share Certificate

LUSO Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.80%	$250	-	60 Month MAX Relationship IRA
1.60%	$250	-	48 Month MAX Relationship IRA
1.50%	$250	-	36 Month MAX Relationship IRA
1.35%	$250	-	30 Month MAX Relationship IRA
1.30%	$250	-	60 Month IRA Certificate
1.25%	$250	-	20 Month MAX Relationship IRA
1.25%	$250	-	24 Month MAX Relationship IRA
1.20%	$250	-	18 Month MAX Relationship IRA
1.15%	$250	-	12 Month MAX Relationship IRA
1.10%	$250	-	48 Month IRA Certificate
1.00%	$250	-	36 Month IRA Certificate
0.95%	$250	-	9 Month MAX Relationship IRA
0.85%	$250	-	30 Month IRA Certificate
0.75%	$250	-	20 Month IRA Certificate
0.75%	$250	-	24 Month IRA Certificate
0.70%	$250	-	18 Month IRA Certificate
0.65%	$250	-	12 Month IRA Certificate
0.45%	$250	-	9 Month IRA Certificate
0.40%	$250	-	6 Month IRA Certificate
0.30%	$250	-	3 Month IRA Certificate
0.30%	$250	-	4 Month IRA Certificate
0.30%	$250	-	5 Month IRA Certificate

Locations

LUSO Federal Credit Union Locations
Branch Office	599 East St	Ludlow, MA 01056
Branch Office	1 Crane Park Dr Ste 4	Wilbraham, MA 01095-1700