--- title: "Lowell Firefighters Credit Union Rates (Nov 2026): CDs to 4.07%" description: "Lowell Firefighters Credit Union rates today: savings & CDs up to 4.07% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Lowell Firefighters Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/massachusetts/lowell-firefighters" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Lowell Firefighters Credit Union Rates (Nov 2026): CDs to 4.07% ### Auto & vehicle rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Auto & Home Insurance Loan (1 Year)** auto_any_12mo | — APR | 2.990% | 12 mo | Standard | | **CarsTrucks WITH Direct Deposit (3 Years)** other | — APR | 5.250% | — | Standard | | **CarsTrucks WITH Direct Deposit (4 Years)** other | — APR | 5.350% | — | Standard | | **CarsTrucks WITH Direct Deposit (5 Years)** other | — APR | 5.500% | — | Standard | | **CarsTrucks WITH Direct Deposit** other | — APR | 5.750% | — | Standard | | **CarsTrucks WITH Direct Deposit (6 Years)** other | — APR | 5.850% | — | Standard | | **CarsTrucks WITH Direct Deposit (7 Years)** other | — APR | 6.250% | — | Standard | Lowell Firefighters Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loans 80%LTV (5 Years)** heloc_fixed | — APR | 6.250% | — | Standard | | **Home Equity Loans 80%LTV (10 Years)** heloc_fixed | — APR | 6.490% | — | Standard | | **Home Equity Loans 80%LTV (15 Years)** heloc_fixed | — APR | 6.990% | — | Standard | | **Home Equity Loans 90%LTV (5 Years)** heloc_fixed | — APR | 7.250% | — | Standard | | **Home Equity Loans 80%LTV (20 Years)** heloc_fixed | — APR | 7.250% | — | Standard | | **Home Equity Loans 90%LTV (10 Years)** heloc_fixed | — APR | 7.490% | — | Standard | | **Home Equity Loans 90%LTV (15 Years)** heloc_fixed | — APR | 7.990% | — | Standard | | **Home Equity Loans 90%LTV (20 Years)** heloc_fixed | — APR | 8.250% | — | Standard | Lowell Firefighters Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Vacation Loans ($5,000 Max.) (1 Year)** personal_unsecured_12mo | — APR | 5.000% | 12 mo | Standard | | **Vacation Loans ($5,000 Max.) (18 Months)** personal_unsecured_18mo | — APR | 7.000% | 18 mo | Standard | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 9.000% | 12 mo | Standard | | **24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 10.000% | 24 mo | Standard | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 11.000% | 36 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 13.000% | 48 mo | Standard | Lowell Firefighters Credit Union personal loan rates as of November 13, 2026 ### Student loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Educational Loans (1 year, $15,000 Max.)** other | — APR | 4.990% | — | Standard | Lowell Firefighters Credit Union student loan rates as of November 13, 2026 ### Savings & CD rates 25 offers | Product | Published | Rate | Term / condition | Status | | **Regular Savings (Regular Shares* (Savings Account))** savings | — APY | 0.25% | — | Standard | | **Regular Savings (Vacation Club 2)** savings | — APY | 0.35% | — | Specialty offer | | **Regular Savings (Christmas Club 2)** savings | — APY | 0.40% | — | Specialty offer | | **Regular Savings ($25,000.00 - $49,999.99)** savings | — APY | 2.00% | — | Standard | | **Regular Savings** savings | 2.02% APY | 2.00% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.00% | 6 mo | Standard | | **Regular Savings ($50,000.00 - $99,999.99)** savings | — APY | 3.00% | — | Standard | | **6-Month Certificate** cd_6mo | 3.04% APY | 3.00% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.25% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | 3.30% APY | 3.25% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.50% | 18 mo | Standard | | **18-Month Certificate** cd_18mo | 3.56% APY | 3.50% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.75% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | 3.82% APY | 3.75% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.90% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.95% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | 3.97% APY | 3.90% | 36 mo | Standard | | **Regular Savings ($100,000.00 +)** savings | — APY | 4.00% | — | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.00% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 4.02% APY | 3.95% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 4.07% APY | 4.00% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 5.25% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 5.35% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 5.50% | 60 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.85% | 72 mo | Standard | Lowell Firefighters Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 4.07% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/massachusetts/lowell-firefighters) , verified from [Lowell Firefighters Credit Union's official website](https://www.lffcu.com/) Loading branch locator… ## About Lowell Firefighters Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.9K Assets $27.4M Founded 1936 Locations reported 1 NCUA charter 67767 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Align** Corporate Office · Lowell · MA · 01851 About 1.2 miles away](https://rateapi.dev/credit-unions/massachusetts/align) [**Jeanne D'arc** Tremont · Lowell · MA · 01854-3658 About 1.6 miles away](https://rateapi.dev/credit-unions/massachusetts/jeanne-darc) [**Lowell Municipal Employees** City Hall · Lowell · MA · 01852-5909 About 1.7 miles away](https://rateapi.dev/credit-unions/massachusetts/lowell-municipal-employees) [**Pathway** CSPI · Lowell · MA · 01854-3635 About 1.8 miles away](https://rateapi.dev/credit-unions/tennessee/pathway) [**Mills42** Mills42 FCU · Lowell · MA · 01852 About 1.9 miles away](https://rateapi.dev/credit-unions/massachusetts/mills42) [**Workers** Chelmsford Office · Chelmsford · MA · 01824 About 2.1 miles away](https://rateapi.dev/credit-unions/massachusetts/workers) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Lowell Firefighters Credit Union Membership eligibility from Lowell Firefighters Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Lowell Firefighters Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Fire Department of the City of Lowell, Billerica Fire Department, Chelmsford Fire Department, Dracut Fire Department, Tewksbury Fire Department, Tyngsborough Fire Department, Westford Fire Department - Association Fire Department Union Locals, The Lowell Fireman’s Fund Verified from [Lowell Firefighters Credit Union's membership page](https://www.lffcu.com/how-to-join) . Final membership determination is always made by the credit union. ## Membership rules for Lowell Firefighters Credit Union Employers 8 · Associations 2 · Family 11 published paths to membership, last verified August 21, 2026, quoted from Lowell Firefighters Credit Union’s own published criteria. ### Employers 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Fire Department of the City of Lowell “Membership in the Lowell Firefighters Credit Union shall be limited to those who are employees or those who were former employees of the Fire Department of the City of Lowell” > [source ↗](https://www.lffcu.com/how-to-join) - Employee of Fire Department of the City of Lowell - Employee of Billerica Fire Department “Membership shall also be open to those who are employees of or were former employees, and their family members of the following surrounding towns ’ Fire Departments: Billerica, Chelmsford, Dracut, Tewksbury, Tyngsborough, and Westford.” > [source ↗](https://www.lffcu.com/how-to-join) - Employee of Billerica Fire Department - Employee of Chelmsford Fire Department “Membership shall also be open to those who are employees of or were former employees, and their family members of the following surrounding towns ’ Fire Departments: Billerica, Chelmsford, Dracut, Tewksbury, Tyngsborough, and Westford.” > [source ↗](https://www.lffcu.com/how-to-join) - Employee of Chelmsford Fire Department - Employee of Dracut Fire Department “Membership shall also be open to those who are employees of or were former employees, and their family members of the following surrounding towns ’ Fire Departments: Billerica, Chelmsford, Dracut, Tewksbury, Tyngsborough, and Westford.” > [source ↗](https://www.lffcu.com/how-to-join) - Employee of Dracut Fire Department - Employee of Tewksbury Fire Department “Membership shall also be open to those who are employees of or were former employees, and their family members of the following surrounding towns ’ Fire Departments: Billerica, Chelmsford, Dracut, Tewksbury, Tyngsborough, and Westford.” > [source ↗](https://www.lffcu.com/how-to-join) - Employee of Tewksbury Fire Department - Employee of Tyngsborough Fire Department “Membership shall also be open to those who are employees of or were former employees, and their family members of the following surrounding towns ’ Fire Departments: Billerica, Chelmsford, Dracut, Tewksbury, Tyngsborough, and Westford.” > [source ↗](https://www.lffcu.com/how-to-join) - Employee of Tyngsborough Fire Department - Employee of Westford Fire Department “Membership shall also be open to those who are employees of or were former employees, and their family members of the following surrounding towns ’ Fire Departments: Billerica, Chelmsford, Dracut, Tewksbury, Tyngsborough, and Westford.” > [source ↗](https://www.lffcu.com/how-to-join) - Employee of Westford Fire Department - Employee of Lowell Firefighters Credit Union “employees of the Lowell Firefighters Credit Union and their family members.” > [source ↗](https://www.lffcu.com/how-to-join) - Employee of Lowell Firefighters Credit Union ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Fire Department Union Locals “Membership shall also be open to any of these cities or towns’ Fire Department Union Locals” > [source ↗](https://www.lffcu.com/how-to-join) - Member of Fire Department Union Locals - Member of The Lowell Fireman’s Fund “The Lowell Fireman’s Fund” > [source ↗](https://www.lffcu.com/how-to-join) - Member of The Lowell Fireman’s Fund ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Membership in the Lowell Firefighters Credit Union shall be limited to those who are employees or those who were former employees of the Fire Department of the City of Lowell and their family members.” > [source ↗](https://www.lffcu.com/how-to-join) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Lowell Firefighters Credit Union? Yes No ## Work at Lowell Firefighters Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Lowell Firefighters Credit Union ranks against Massachusetts peers. - See which AI assistants fetched Lowell Firefighters Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Massachusetts - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=lowell-firefighters&state=massachusetts&code=MA&name=Lowell%20Firefighters%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Lowell Firefighters Credit Union offer? Lowell Firefighters Credit Union currently offers Auto loan, HELOC, personal loan, and student loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Lowell Firefighters Credit Union rates updated? RateAPI verifies Lowell Firefighters Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Lowell Firefighters Credit Union's rate data? Rate data is collected directly from Lowell Firefighters Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Lowell Firefighters Credit Union's best CD rate? As of November 13, 2026, Lowell Firefighters Credit Union offers savings and certificate (CD) yields up to 4.07% APY. ### Who can join Lowell Firefighters Credit Union? Lowell Firefighters Credit Union publishes its membership criteria on its own website. RateAPI tracks 11 published membership paths covering 8 employers and 2 associations for Lowell Firefighters Credit Union, each quoted from Lowell Firefighters Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Lowell Firefighters Credit Union's rates against national credit-union benchmarks. [More Massachusetts credit unions](https://rateapi.dev/credit-unions/massachusetts) [Massachusetts auto loan rate leaders](https://rateapi.dev/auto-loan-rates/massachusetts) [Massachusetts HELOC rate leaders](https://rateapi.dev/heloc-rates/massachusetts) [Massachusetts personal loan leaders](https://rateapi.dev/personal-loan-rates/massachusetts) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.lffcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Lowell Firefighters Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Massachusetts credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Lowell Firefighters Credit Union curl "https://api.rateapi.dev/credit-unions/massachusetts /lowell-firefighters " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Lowell Firefighters Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/massachusetts/lowell-firefighters Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp