Save with certainty.
5.15% APY*
Share Certificate Special

Don’t risk your hard-earned savings in a volatile stock market or allow it to make less interest in a savings account. Our 6-Month Share Certificate Special pays you 5.15% APY* with a minimum balance of only $500.

Best of all, it’s completely free to open an account. And in return, you make money on your money.
So, what are you waiting for?

Right here in Lowell.

We’re a small but mighty federal credit union located in downtown Lowell, Massachusetts and serving Greater Lowell and surrounding communities. Our team is a passionate one, committed to working with you to achieve your financial goals. Whether you need someone to assist you in creating a budget, advise you on how to increase your credit score or even guide you through buying your first (or next) home, our sole focus is helping you build from here.

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Lending Solutions for every life stage.

kids in a car
[ Auto Loans & Refinancing ]

What drives you?

We’re guessing it’s having a car payment you can easily afford—and with an auto loan from Mills42, you can. Whether you’re refinancing your current loan from another lender, purchasing a new or used vehicle or buying out that car lease, it's time you looked at an auto loan that’s fast, local and just a click away.

  • Low Rates
  • Affordable Payments
  • Borrow up to 120%2 of the value of the vehicle
[ VISA® Credit Cards ]

The only card you'll need.

Ditch your other cards and transfer your high-rate balances to a Mills42 VISA® Credit Card. With no annual fee, no balance transfer fees and great rates, you’ll start saving right away.

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

Digital Wallet Apply now Learn more
Mills42 VISA Credit Card

Home Loans

From first mortgages and refinances to home equity loans and lines of credit, we remove the hassle and frustration from the equation with local experts to guide you through all available loan types, terms and options. 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 FCU.

Explore Mortgages Explore Home Equity
[ Personal Loans ]

Let's take it to a personal level.

Emergencies happen. Opportunities arrive. But sometimes the cash needed to cover these expenses just isn’t on hand. That’s why Mills42 offers personal loans that can be used for whatever you need, to help you with anything.

  • Affordable Rates
  • Borrow up to $10,000
  • Terms up to 5 years

Everyone deserves a helping hand.

We're right by your side to help you build from here.

Your Mills42 Team.

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.

* 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.

1 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.

2 Financing decision is based on the NADA vale of the make, model and year of the vehicle to be financed. NADA is the National Auto Dealers’ Association.

83 Merrimack Street - Lowell, MA 978.328.5100 NMLS# 787653
NCUA logo

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Equal Housing Lender logo
Massachusetts Share Insurance Corporation logo

Shares and Deposits in excess of NCUA limits are fully insured by MSIC.

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