Access to this site is restricted to authorized Credit Union members only. Any unauthorized access shall be prosecuted to the fullest extent of the law.
We’re Here For You
DO YOU NEED A SPRING AHEAD LOAN??
ARE YOU A MEMBER OF THE CREDIT UNION??
The LMEFCU will be accepting applications for
“SPRING AHEAD LOANS”
AVAILABLE, APRIL 1, 2025 – JUNE 30, 2025.
Loans are approved and interest is based on credit reported by EQUIFAX.
Maximum Loan Amount (Base on Credit Score): $2,500.00
CREDIT SCORE: PMT PERIOD: INTEREST RATE: MAX. AMT.:
650 OR MORE 26 WEEKS 6% $2,500.00
600-649 26 WEEKS 7% $2.000.00
*500-599 26 WEEKS 8% $1,500.00
(*Requires co-signer with score of 650 or higher)
Existing SPRING AHEAD Loans: Balance must be paid before new loan proceeds are dispersed.
The present credit union policy allows for only 2 unsecured loans at any point in time.
NOT A CREDIT UNION MEMBER?? No Problem! If you are an employee of the City of Lowell or the Town of Dracut,
you are eligible. Become a member today, we’re located in Lowell City Hall Room 11
our hours are Mon, Wed, Thu 8:30am until 4:00pm Tues. 8:30am until 8:00pm Friday CLOSED
NEWS & INFORMATION
City Hall building is open to the public.
You can reach the Credit Union at
(978) 970-4088 during the following hours.
Business hours of the credit union as of August 1, 2022
Business hours of the credit union as of January 1, 2025
ORDER CHECKS HERE
AUTO LOANS
NEW VEHICLES
USED VEHICLES
*APR = Annual Percentage Rate, APY = Annual Percentage Yield. Individuals with credit scores of 350-499 are not eligible for consideration.
Tier 3 Co-borrower with at least a 650 or higher credit score and credit committee approval. Per/$1,000 is estimate only and based on maximum loan terms.
The Smart Option Student Loan
With college costs growing fast, it’s time to borrow smarter. The Smart Option Student Loan® offers three repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. 