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home mills42 federal credit union skip to content about us why choose mills42 non profit the mills42 team who is mills42 branch location hours credit card phone numbers debit card phone numbers contact us our history accounts checking accounts free checking rewards checking savings accounts basic share savings super savers round up savings holiday savings vacation savings share certificates kid s club retirement traditional ira roth ira loans car loans purchases refinances lease buyouts pre approvals credit cards low interest card cash back card credit builder balance transfers home loans mortgages home equities masssave energy loans nhsaves energy loans personal loans personal loan credit repair overdraft line of credit other vehicle loans motorcycles rv s boats waterskis resources energy efficiency loans mass save heat loan nh saves budget credit tools free credit management understanding your credit score money management international annualcreditreport com trustage insurance make a loan payment make 42 member referral welcome to mills42 ways to bank digital banking online banking mobile banking bill payment estatements resources mills42 mastercard debit card incoming wire transfer order checks find an atm contact us apply for a loan online banking login enroll in online banking i m interested in i m interested in choose a topic an auto loan a mortgage a home equity loan a home equity line of credit a personal loan a checking account retirement savings a new membership featured rates 5 month certificate limited time special 3 75 apy¹ open share certificate home equity loans rates as low as 5 99 apr² apply today auto loans rates as low as 4 49 apr³ apply now become a member rates apply for a loan loan payment portal calculators find an atm what people are saying about the mills42 experience steven t member michelle was amazing she helped me find the right loan the entire process was easy you can tell she really cares about the consumer thank you sooo much for all your help if you don t have mills42 come here best customer service all around news thinking of using your home s equity think of david did you know you can use your equity for nearly anything you want from home renovations to funding the dream vacation no one knows home equity loans and lines of credit better than david correa our vice president of lending if you re looking to save money on your current mortgage refinancing is your answer and learn more ¹ minimum balance of 500 is required to open account and earn dividends apy is the annual percentage yield the annual percentage yield is the highest dividend rate available highest dividend rates require estatements if you have estatements when you open or renew a mills42 certificate you ll automatically earn the highest published dividend rate for that certificate without estatements our lower standard rate will apply inquire within for other rates rates are subject to change without notice once a certificate is issued the rate will remain in effect for the term of the certificate dividends are compounded daily and posted monthly and at maturity date dividend penalties may apply for early withdrawals refer to the mills42 fcu fee schedule and certificate account disclosure and agreement member eligibility is required ² apr annual percentage rate rates listed reflect a 1 00 apr discount for account relationship pricing to qualify for this discount one of the following is required 1 an active mills42 fcu checking account with a minimum of twenty 20 debit card transactions monthly or eight 8 electronic debit credit transactions monthly maintaining a qualifying rewards checking account will also satisfy this requirement 2 direct deposit to pay loan automatic distribution of direct deposit to satisfy monthly loan payments 3 an existing loan with mills42 that has a current balance excludes visa credit card and overdraft protection all rates and fees are subject to change without notice some restrictions may apply member eligibility is required ³ apr annual percentage rate rate listed reflect a 1 00 apr discount for account relationship pricing rates are determined by your personal credit history loan term and statement settings to qualify for this discount you must be enrolled in estatements without estatements rate is 1 00 higher other rates and terms available member eligibility is required annual percentage yield listed applies to balances up to 10 000 when account requirements are met during each eligibility cycle eligibility cycle begins on the first day of each calendar month and ends the last day of each calendar month the yield listed is a variable rate and may change at any time after account is opened to earn maximum yield listed account must have 1 a minimum average daily balance of 500 00 2 a minimum of twelve 12 posted debit card transactions monthly excluding atm usage 3 estatements as statement delivery option and 4 have at least one recurring ach automatic clearing house debit transaction or bill payer transaction per month if above requirements are not met during an eligibility cycle account will earn 0 00 apy if account shows a negative balance at any time during the eligibility cycle account will earn 0 00 for that eligibility cycle balances greater than 10 000 will earn 0 20 apy other restrictions and terms may apply business accounts do not qualify for rewards checking rates and terms are subject to change without notice dividends are compounded and credited monthly based on the average daily balance in the account member eligibility is required 83 merrimack street lowell ma 01852 978 328 5100 routing 211381592 nmls 787653 all rates privacy policy all disclosures deposit insurance contact us cookie policy your savings federally insured to at least 250 000 and backed by the full faith and credit of the united states government shares and deposits in excess of ncua limits are fully insured by msic equal housing lender 2026 mills42 federal credit union all rights reserved designed and maintained by cinq mills42 federal credit union cookie policy last updated july 3 2024 this cookie policy explains how mills42 federal credit union company we us and our uses cookies and similar technologies to recognize you when you visit our website at mills42fcu com website it explains what these technologies are and why we use them as well as your rights to control our use of them in some cases we may use cookies to collect personal information or that becomes personal information if we combine it with other information what are cookies cookies are small data files that are placed on your computer or mobile device when you visit a website cookies are widely used by website owners in order to make their websites work or to work more efficiently as well as to provide reporting information cookies set by the website owner in this case mills42 federal credit union are called first party cookies cookies set by parties other than the website owner are called third party cookies third party cookies enable third party features or functionality to be provided on or through the website e g like advertising interactive content and analytics the parties that set these third party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites why do we use cookies we use first and third party cookies for several reasons some cookies are required for technical reasons in order for our website to operate and we refer to these as essential or strictly necessary cookies other cookies also enable us to track and target the interests of our users to enhance the experience on our online properties third parties serve cookies through our website for advertising analytics and other purposes this is described in more detail below the specific types of first and third party cookies served through our website and the purposes they perform are described below please note that the specific cookies served may vary depending on the specific online property you visit how can i control cookies you have the right to decide whether to accept or reject cookies you can exercise your cookie rights by setting your preferences in the customize panel the customize panel allows you to select which categories of cookies you accept or reject essential cookies cannot be rejected as they are strictly necessary to provide you with services the customize panel can be found in the notification banner if you choose to reject cookies you may still use our website though your access to some functionality and areas of our website may be restricted you may also set or amend your web browser controls to accept or refuse cookies as the means by which you can refuse cookies through your web browser controls vary from browser to browser you should visit your browser s help menu for more information in addition most advertising networks offer you a way to opt out of targeted advertising if you would like to find out more information please visit http www aboutads info choices or http www youronlinechoices com analytics and customization cookies these cookies collect information that is used either in aggregate form to help us understand how our website are being used or how effective our marketing campaigns are or to help us customize our website for you what about other tracking technologies like web beacons cookies are not the only way to recognize or track visitors to a website we may use other similar technologies from time to time like web beacons sometimes called tracking pixels or clear gifs these are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our website or opened an e mail including them this allows us for example to monitor the traffic patterns of users from one page within a website to another to deliver or communicate with cookies to understand whether you have come to the website from an online advertisement displayed on a third party website to improve site performance and to measure the success of e mail marketing campaigns in many instances these technologies are reliant on cookies to function properly and so declining cookies will impair their functioning do you serve targeted advertising third parties may serve cookies on your computer or mobile device to serve advertising through our website these companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in they may also employ technology that is used to measure the effectiveness of advertisements this can be accomplished by them using cookies or web beacons to collect information about your visits to this and other sites in order to provide relevant advertisements about goods and services of potential interest to you the information collected through this process does not enable us or them to identify your name contact details or other details that directly identify you unless you choose to provide these how often will you update this cookie policy we may update this cookie policy from time to time in order to reflect for example changes to the cookies we use or for other operational legal or regulatory reasons please therefore re visit this cookie policy regularly to stay informed about our use of cookies and related technologies the date at the top of this cookie policy indicates when it was last updated monthly auto payments purchase price manufacturer rebate trade in value down payment interest rate term months monthly payment is basic loan payment interest rate term term type months semimonthly biweekly enter one value then calculate the other amount of loan is payment is should i refinance my auto loan purchase price trade in value down payment rebate special financing manufacturer rebate loan 1 manufacturer rebate loan 2 interest rate loan 1 apr interest rate loan 2 apr term months loan 1 term months loan 2 loan amount loan 2 amount monthly payment loan 1 monthly payment loan 2 total interest paid loan 1 total interest paid loan 2 total of payments loan 1 total of payments loan 2 credit card pay off credit card balance interest rate apr monthly payment months to pay off mortgage payments home loan amount interest rate apr term years monthly payment is total interest paid your calculated monthly payment does not include taxes insurance and assessments mortage refinancing calculator loan balance interest rate apr complete one of the fields below and calculate the other term months monthly payment future retirement savings calculator initial deposit amount term of deposit term length weeks months years annual interest rate compounded daily monthly quarterly semi annually annually additional deposits addon frequency weekly every 2 weeks each month quarterly semi annually annually total deposits total interest future savings value retirement savings savings goal annual interest rate compounded daily monthly quarterly semi annually annually additional deposits addon frequency weekly every 2 weeks each month quarterly semi annually annually total deposits total interest total savings required savings time how long before i become a millionaire savings goal initial deposit amount interest rate compounded daily monthly quarterly semi annually annually additional deposits additional deposit frequency weekly every 2 weeks each month quarterly semi annually annually required savings time