Credit Unions in Lowell, MA
5 member-owned, NCUA-insured credit unions headquartered in or near Lowell, serving a combined 135,542 members. The largest is Jeanne D'Arc. Click any credit union for its full details.
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Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Jeanne D'Arc
LOWELL, MA🇺🇸
102,484 members
Credit Unions & BankingView details →Align
Lowell, MA🇺🇸
26,942 members
Credit Unions & BankingView details →Mills42
Lowell, MA🇺🇸
2,956 members
Credit Unions & BankingView details →Lowell Firefighters
LOWELL, MA🇺🇸
1,848 members
Credit Unions & BankingView details →Lowell Municipal Employees
Lowell, MA🇺🇸
1,312 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Lowell: they are based in or near Lowell. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Lowell
1 more credit union headquartered elsewhere has a branch in Lowell, MA. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
- Digital — branch: 564 Bridge St Lowell, MA 01850
How to join a credit union in Massachusetts
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Lowell or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in Lowell — common questions
How many credit unions are in Lowell?
5 member-owned, NCUA-insured credit unions are headquartered in or near Lowell, Massachusetts, with a combined 135,542 members. The largest is Jeanne D'Arc.
Are these the closest credit unions to me in Lowell?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Lowell, geocoded to the city. The second list adds 1 more credit union headquartered elsewhere that NCUA shows with a branch in Lowell, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Lowell?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Massachusetts accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Lowell?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.