Credit union · NCUA insured
Billerica Municipal Employees Credit Union
A $23.8M credit union headquartered in Billerica, MA, with 1,258 members and 2 branches in Massachusetts. Best rates: CDs 3.29% and savings 0.25% APY.
Billerica Municipal Employees Credit Union Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#126 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Billerica Municipal Employees Credit Union
Billerica Municipal Employees Credit Union is headquartered in Billerica, Massachusetts, where it was declared an organized corporation on October 18, 1971.
The credit union serves municipal employees of the Town of Billerica—including Billerica Public School and Shawsheen Technical School staff—and their families.
- Headquarters
- 365 Boston Rd, Billerica, MA 01821
- NCUA charter
- 66336
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Municipal employees of the Town of Billerica, including Billerica Public School and Shawsheen Technical School employees.
Family and household
- Families of municipal employees of the Town of Billerica (including Billerica Public School and Shawsheen Technical School employees).
Branches
2 branches in Massachusetts
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Massachusetts
2 branches
- Member ServicesMain office365 Boston Rd, Billerica, MA 01821Directions
- Main Office365 boston rd, Billerica, MA 01821Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.76% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.88% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $32 | $59 | — |
- CapitalNet worth ratio17.76%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$32Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Billerica Municipal Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.