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[ Share Certificates ]

Your money can make you money.

Don’t gamble your hard-earned savings on the ups and downs of the stock market, or settle for the low returns of a traditional savings account. Now is the perfect time to make your money work harder for you.

For a limited time, we're offering three exclusive Share Certificate specials, designed to give you higher interest rates and secure, reliable growth.

Whether you're saving for a short-term goal or building a nest egg for the future, these Share Certificates offer the perfect balance of security and reward, allowing your savings to grow with peace of mind. It’s completely free to open with a minimum balance of only $500.

We’re in your neighborhood.

Our federal credit union may be compact in size, but we're formidable in impact and dedicated to serving the Greater Lowell area and neighboring communities. From helping you craft a personalized budget to navigating the journey of purchasing your first home, we're all about empowering you to build from here.

Join today

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[ Auto Loans & Refinancing ]

Ride in style, from roads to isles.

Get the vehicle you're dreaming of for the terrain you want to conquer—from a luxury car to the perfect boat. Whether you're refinancing or buying a new or used vehicle, your auto loan is just a click away.

  • Loans for cars, boats, motorcycles and more
  • Rates as low as 5.99% APR4
  • Purchases, refinances & lease buyouts available
[ Credit Cards ]

Charge it. Earn cash back.

Get back to life.

Our Cash Back Visa® Credit Card pays you a percentage of your purchases, growing your finances with every purchase. We also offer a Low-Rate Visa® Credit Card if that better fits your lifestyle.

Apply today Learn more

Plus, we offer the added convenience of Digital Wallet with:

Digital Wallet
Mills42 VISA Credit Card
[ Home Equity ]

It's time your home paid you back.

With a Home Equity Loan or Line of Credit, you can tap into your home’s equity for anything your heart desires—be it a backyard patio upgrade or your daughter’s wedding. Plus, from loan application approval through to closing, you won’t find a lender out there who will fund that loan more quickly than Mills42.

  • Fixed rates as low as 6.99% APR5
  • Borrow from $20,000 - $250,000
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[ Energy-Efficient Lending ]

Go green for less green.

Get low rates for energy-efficient upgrades, insulation and more with a Mass Save HEAT Loan.

A Mass Save HEAT Loan is an interest-free loan up to $50,000 on approved energy-efficient upgrades for heat pumps and water heaters, or up to $25,000 on other qualifying upgrades—with up to a seven-year term.

Attic, wall and basement insulation • High-efficiency heating systems
High-efficiency domestic hot water systems • Solar hot water systems • ENERGY STAR® windows

Mills42 VISA Credit Card Learn more

Do you speak Spanish or Khmer? So do we. Join the credit union that fits you—not the other way around.

Not a member yet? We'll take care of that for you during the loan application process. But to get a jumpstart, enroll online or give us a call at 978.328.5100. We'll be happy to help you build from here.

1 APY Is The Annual Percentage Yield. Minimum balance of $500 is required to open account and earn dividends. The Annual Percentage Yield is the highest dividend rate available. Highest dividend rates require eStatements. If you have eStatements when you open or renew a Mills42 Certificate, you'll automatically earn the highest published dividend rate for that certificate. Without eStatements, our lower standard rate will apply, inquire within for other rates. Rates are subject to change without notice. Once a certificate is issued, the rate will remain in effect for the term of the certificate. Dividends are compounded daily and posted monthly and at maturity date. Dividend penalties may apply for early withdrawals. Refer to the Mills42 FCU Fee Schedule and Certificate Account Disclosure and Agreement. Member eligibility is required.

2 Annual Percentage Yield listed applies to balances up to $10,000 when account requirements are met during each eligibility cycle. Eligibility cycle begins on the first day of each calendar month and ends the last day of each calendar month. The yield listed is a variable rate and may change at any time after account is opened. To earn maximum yield listed, account must have: 1) A minimum average daily balance of $500.00; 2) A minimum of twelve (12) posted debit card transactions monthly (excluding ATM usage); 3) eStatements as statement delivery option; and 4) Have at least one recurring ACH (Automatic Clearing House) debit transaction or Bill Payer transaction per month. If above requirements are not met during an eligibility cycle, account will earn 0.00% APY. If account shows a negative balance at any time during the eligibility cycle, account will earn 0.00% for that eligibility cycle. Balances greater than $10,000 will earn 0.20% APY. Other restrictions and terms may apply. Business accounts do not qualify for Rewards Checking. Rates and terms are subject to change without notice. Dividends are compounded and credited monthly based on the average daily balance in the account. Member eligibility is required.

3 With each Mills42 MasterCard™ Debit card transaction, Mills42 will round up the transaction amount to the next whole dollar. This difference will then be deposited into the associated Mills42 Round Up Savings account. Round Up Savings balance will earn Annual Percentage Yield listed above. Dividends are compounded and credited monthly based on the average daily balance in the Round Up Savings account. Maintaining a Mills42 checking account with Mills42 MasterCard™ Debit card are required. Rates and terms are subject to change without notice. Member eligibility is required.

4 Rates listed reflect a 1.00% APR discount for account relationship pricing. Rates are determined by your personal credit history, loan term, and statement settings. To qualify for this discount, you must be enrolled in eStatements, without eStatements rate is 1.00% higher. Other rates and terms available.

5 APR = Annual Percentage Rate. Rates listed reflect a 1.00% APR discount for account relationship pricing. To qualify for this discount, one of the following is required: 1) An active Mills42 FCU checking account with a minimum of twenty (20) debit card transactions monthly or eight (8) electronic debit/credit transactions monthly. Maintaining a qualifying Rewards Checking Account will also satisfy this requirement. 2) Direct Deposit to pay loan (automatic distribution of direct deposit to satisfy monthly loan payments). 3) An existing loan with Mills42 that has a current balance (excludes VISA Credit Card and overdraft protection). All rates and fees are subject to change without notice. Some restrictions may apply. Member eligibility is required.

83 Merrimack Street - Lowell, MA 978.328.5100 Federally insured by NCUA Equal Housing Lender Equal Housing Opportunity NMLS# 787653

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