Our branches will be closed on Friday, July 4, 2025, in observance of Independence Day. Our ATMs, mobile app and online banking services will be available for your convenience.
With a TRIMTM fixed-rate mortgage, you can float down/modify your rate, one time, during first 5 years of the mortgage term, at no cost!
Build your dream home. Renovate your fixer-upper. Expand your business. Finance your unique construction mortgage loan at LUSO Federal Credit Union.
View HELOC rates, auto loan rates and more.
1 Prime Rate: 7.500%. Annual Percentage Rate is based on a $100,000 loan amount, unless otherwise noted. Rate is variable. Fees vary and are due at application.
Home Equity Policy: Up to a maximum 90% Loan to Value (LTV). HELOC Policy: (10) Year Draw Period / (10) Year Repay Period. Exceptions to maximum amount are reviewed/approved by CEO based on member relationship. Certified appraisal required – appraisal fee paid by member; LFCU must retain the first position mortgage on HELOCs over 80% LTV or a CAP of $25,000 total HELOC amount applies; all fees covered by borrower on Home Equity loans outside the State of Massachusetts.
2APR: Annual Percentage Rate is based on a $150,000 loan amount. Rates are subject to increase after consummation/first adjustment. Down Payment Requirements: 20% down payment is required; less than a 20% down payment will require PMI Insurance; less than a 30% down payment will require real estate tax escrow.
3APR: Annual Percentage Rate is based on a $10,000 loan amount, unless otherwise noted. REQUIRED – $75 VSI insurance fee on all vehicle loans; $100 VSI insurance fee on commercial vehicle loans. Business vehicle annual percentage rates available upon request; rate is equal to 2.00% above quoted rates; term may be extended to a maximum of 10 years. GAP Insurance available.
