Credit union · NCUA insured
Luso American Credit Union Savings Rates
Luso American Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Luso American Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Luso American Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Luso American Credit Union
0.15%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Money Market
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Luso American Credit Union savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Luso American Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.10% | — |
| $2,500 and up | 0.15% | $15 |
Sources (3)
- luso-american.com/personal-accounts
- luso-american.com/personal-accounts/money-market
- luso-american.com/personal-accounts/saving-rates
All captured Oct 7, 2026
Regular Savings
0.10%APY
Dividend-earning account that establishes credit union membership. Must maintain a $25 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.10% | $10 |
Sources (3)
- luso-american.com/personal-accounts
- luso-american.com/personal-accounts/regular-savings
- luso-american.com/personal-accounts/saving-rates
All captured Sep 18, 2026
Special-purpose accounts
Super Savers Account (Youth Savings)
0.10%APY
Exclusively for younger members aged 5–18. Only one Super Saver account per member.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Special rate applies up to a balance of $1,000 or until member reaches 18 years of age, whichever occurs first. | 2.02% | — | Special rate applies up to a balance of $1,000 or until member reaches 18 years of age, whichever occurs first. |
| $1,000 and upBalances over $1,000 or funds remaining after turning 18 revert to earning the regular savings rate. | 0.10% | $10 | Balances over $1,000 or funds remaining after turning 18 revert to earning the regular savings rate. |
Sources (3)
- luso-american.com/personal-accounts
- luso-american.com/personal-accounts/saving-rates
- luso-american.com/personal-accounts/youth-super-saver
All captured Sep 18, 2026
Club Accounts (Christmas & Vacation)
0.10%APY
Save throughout the year; balance is withdrawn in October for Christmas Club and May for Vacation Club and distributed via check or deposit into savings/checking.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2 and up | 0.10% | $10 |
Sources (3)
- luso-american.com/personal-accounts
- luso-american.com/personal-accounts/club-accounts
- luso-american.com/personal-accounts/saving-rates
All captured Sep 18, 2026
Who can join Luso American Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Essex County are eligible for membership.
Cost to join
- Opening a savings account with $25 is required to establish membership.
Membership information collected October 5, 2026.