Luso Credit Union

Ludlow, Massachusetts

Last verified: August 4, 2026

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Verified rate book

Current Luso Credit Union rates

60 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

44 offers

Luso Credit Union mortgage rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
Conforming Fixed Rate Mortgage / New Construction / Condo (30 Year)30 year fixed	6.125% APR	6.125%	—	Standard
TRIM: The Rate Improver Mortgage (30-Year Fixed Rate)30 year fixed	6.250% APR	6.250%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (30 Year)30 year fixed	6.250% APR	6.250%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (30 Year)30 year fixed	6.375% APR	6.375%	—	Standard
30-Year Fixed Mortgage 230 year fixed	6.375% APR	6.375%	—	Standard
TRIM: The Rate Improver Mortgage (30-Year Fixed Rate With No LLPA’s)30 year fixed	6.500% APR	6.500%	—	Standard
TRIM: The Rate Improver Mortgage (JUMBO 30-Year Fixed Rate)30 year fixed	6.625% APR	6.625%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (30 Year)30 year fixed	6.625% APR	6.625%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (30 Year)30 year fixed	6.750% APR	6.750%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (30 Year)30 year fixed	6.875% APR	6.875%	—	Standard
TRIM: The Rate Improver Mortgage (JUMBO 30-Year Fixed Rate With No LLPA’s)30 year fixed	6.875% APR	6.875%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (15 Year)15 year fixed	5.625% APR	5.625%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (15 Year)15 year fixed	5.750% APR	5.750%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (15 Year)15 year fixed	5.875% APR	5.875%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (15 Year)15 year fixed	6.125% APR	6.125%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (15 Year)15 year fixed	6.250% APR	6.250%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (15 Year)15 year fixed	6.375% APR	6.375%	—	Standard
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo (5/1)5 1 arm	5.000% APR	5.000%	—	Standard
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo (7/1)7 1 arm	5.250% APR	5.250%	—	Standard
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo (10/1)10 1 arm	5.375% APR	5.375%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (10 Year)10 year fixed	5.500% APR	5.500%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (10 Year)10 year fixed	5.625% APR	5.625%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (10 Year)10 year fixed	5.750% APR	5.750%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (20 Year)20 year fixed	5.875% APR	5.875%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (10 Year)10 year fixed	6.000% APR	6.000%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (20 Year)20 year fixed	6.000% APR	6.000%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (10 Year)10 year fixed	6.125% APR	6.125%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (20 Year)20 year fixed	6.125% APR	6.125%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (10 Year)10 year fixed	6.250% APR	6.250%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (20 Year)20 year fixed	6.375% APR	6.375%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (20 Year)20 year fixed	6.500% APR	6.500%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (20 Year)20 year fixed	6.625% APR	6.625%	—	Standard
Land Loan (3/1 MAX 15-YR Amortization)3 1 arm	7.250% APR	7.250%	—	Standard
Land Loan (3/1 MAX 10-YR Amortization)3 1 arm	8.250% APR	8.250%	—	Standard
1 YR Treasuryother	5.000% APR	5.000%	—	Standard
1 YR Treasuryother	5.125% APR	5.125%	—	Standard
1 YR Treasuryother	5.250% APR	5.250%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (25 Year)other	6.125% APR	6.125%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (25 Year)other	6.250% APR	6.250%	—	Standard
0 Pointsother	6.344% APR	6.344%	—	Standard
Conforming Fixed Rate Mortgage / New Construction / Condo (25 Year)other	6.375% APR	6.375%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (25 Year)other	6.625% APR	6.625%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (25 Year)other	6.750% APR	6.750%	—	Standard
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo (25 Year)other	6.875% APR	6.875%	—	Standard

Auto & vehicle rates

3 offers

Luso Credit Union auto & vehicle rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
90% NADA Retailauto_any_48mo	5.240% APR	5.240%	48 mo	Standard
New/Used Auto Loan 3auto_any	5.240% APR	5.240%	any	Standard
95% NADA Retailauto_any_12mo	5.240% APR	5.240%	12 mo	Standard

HELOC rates

2 offers

Luso Credit Union heloc rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
Current Rates View HELOC rates, auto loan rates and more. (Effective 7/30/2026)heloc_variable	5.240% APR	5.240%	—	Standard
Current Rates View HELOC rates, auto loan rates and more. (Effective 7/29/2026)heloc_variable	6.375% APR	6.375%	—	Standard

Personal loan rates

3 offers

Luso Credit Union personal loan rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
95% of Share Balance at Loan Disbursementpersonal_unsecured_12mo	4.000% APR	4.000%	12 mo	Standard
Nonepersonal_unsecured_12mo	5.000% APR	5.000%	12 mo	Standard
Nonepersonal	13.000% APR	13.000%	—	Standard

Other rates

8 offers

Luso Credit Union other rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
Effective 7/29/2026other	5.240% %	5.240%	—	Standard
Effective 7/30/2026other	5.240% %	5.240%	—	Standard
Effective 8/3/2026other	5.240% %	5.240%	—	Standard
Effective 8/4/2026other	5.240% %	5.240%	—	Standard
Effective 8/4/2026other	6.375% %	6.375%	—	Standard
Effective 8/3/2026other	6.375% %	6.375%	—	Standard
Effective 7/30/2026other	6.375% %	6.375%	—	Standard
Effective 7/29/2026other	6.375% %	6.375%	—	Standard

As of August 4, 2026, Luso Credit Union offers a 30-year fixed mortgage at 6.125% APR (2 points). Auto loans available from 5.24% APR for 48 months. HELOC rates from 5.24% APR. Personal loan rates from 4% APR.
Source: RateAPI.dev, verified from Luso Credit Union's official website

Branch locator

Luso Credit Union locations

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About Luso Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members: 7.9K
Assets: $241.8M
Founded: 1971
Locations reported: 2
NCUA charter: 20600
Charter type: Federal credit union

Services and member support

Online membership application
Online loan application
Open an account online
Electronic statements
Mobile check deposit
Mobile payments
Financial education
Bilingual services
Credit-builder products

Source: NCUA quarterly call report. 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.

FreedomLUDLOW · LUDLOW · MA · 01056Branch in the same ZIP Polish NationalWilbraham Office · Wilbraham · MA · 01095About 3.6 miles away Pioneer ValleySixteen Acres Branch · Springfield · MA · 01129-1823About 4.7 miles away AldenMain Office · Chicopee · MA · 01020-1255About 5.4 miles away Greater SpringfieldMain Office · Springfield · MA · 01109About 6.5 miles away BrightbridgeSpringfield - Industry Ave · Springfield · MA · 01104-3222About 6.6 miles away

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 Luso Credit Union

Membership eligibility from Luso Credit Union's own published criteria. How we verify this.

Membership criteria are published on Luso Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Luso Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Luso Credit Union offer?

Luso Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Luso Credit Union rates updated?

RateAPI verifies Luso Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Luso Credit Union's rate data?

Rate data is collected directly from Luso 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 Luso Credit Union's mortgage rate?

As of August 4, 2026, Luso Credit Union offers a 30-year fixed mortgage at 6.125% APR.

What are Luso Credit Union's auto loan rates?

As of August 4, 2026, Luso Credit Union offers auto loans from 5.24% APR.

What is Luso Credit Union's HELOC rate?

As of August 4, 2026, Luso Credit Union offers home equity lines of credit from 5.24% APR.

What is Luso Credit Union's personal loan rate?

As of August 4, 2026, Luso Credit Union offers personal loans from 4% APR.

Related Rate Data

Compare Luso Credit Union's rates against national credit-union benchmarks.

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Source Information

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Methodology

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# Get rates for Luso Credit Union
curl "https://api.rateapi.dev/credit-unions/massachusetts/luso" \
  -H "Authorization: Bearer YOUR_API_KEY"

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