Luso Federal Credit Union, is a member owned, not-for-profit financial cooperative, providing many services to you. We have checking accounts, savings accounts, mortgages, auto loans, refinancing and more with two Western MA branch locations in Ludlow and Wilbraham.   We are dedicated to providing access to affordable credit and banking services for our members and to promoting greater community economic development within Hampden County.


Click to learn more about Luso in our Community

As a community credit union, we differ significantly from national and regional banks. The major difference is our commitment to our community!

Jennifer M. G. Calheno

President and CEO

Member Services

VIP Member Services

Our LUSO team provides a whole new meaning to the term personalized service! Our team of financial bankers work around the clock until you are fully satisfied.

Scott Ganhão

Member Services Manager

Lending Services

We stand by our commitment to deliver a wide range of competitive lending products in an efficient, accessible and timely manner.

Justin Calheno

Lending Sales Manager

VIP Banking meets the needs of our members who require exclusive benefits, unequaled personal attention, and the knowledge and authority to act quickly on their behalf.

Setting us apart from the competition…


Diversified Quality Products


24/7 Accessibility


Local Lending Decisions


In-House Underwriting


Whenever/Wherever Servicing

Can’t make it to the branch?

The Luso team makes house calls, any day of the week, at any time most convenient to our members…  We are here to make the banking and lending process as easy as possible! Flexibility is the key to our success. 

 Do you have a question about your loan or your closing and your originator is in an appointment?

Here at Luso you will actually speak with an underwriter…  With our common-sense approach to achieving our members’ lending needs, and our team of in-house underwriters, we guarantee the fastest turn times in the business.