Credit union · NCUA insured
Lowell Firefighters FCU
A $27.4M credit union headquartered in Lowell, MA, with 1,850 members and 1 branch in Massachusetts. Best rates: CDs 4.07% and savings 0.25% APY.
Lowell Firefighters FCU Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#82 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lowell Firefighters FCU
Serving its members since 1936, Lowell Firefighters Credit Union is a member owned and operated financial institution headquartered in Lowell, Massachusetts.
- Headquarters
- 642 Chelmsford St, Lowell, MA 01851
- NCUA charter
- 67767
Branches
1 branch in Massachusetts
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Massachusetts
1 branch
- Lowell Firefighters Credit UnionMain office642 Chelmsford St, Lowell, MA 01851Directions
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 | 11.27% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.09% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.39% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $60 | $59 | — |
- CapitalNet worth ratio11.27%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.09%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.39%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$60Peers’ 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 Lowell Firefighters FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.