Millbury Federal Credit Union

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A short history of Millbury FCU

Since its inception in 1934 the Millbury Federal Credit Union has been serving its members in the Millbury, Massachusetts area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Vicki O'Neill, the Millbury FCU has grown its membership to over 26,614 with assets of more than $318,135,517. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (508) 865-7600 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Millbury, MA.

General Information For Millbury FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 24543
Address 50 Main St 
City Millbury 
State Massachusetts 
Zip-Code 01527
Phone Number (508) 865-7600
Fax Number (508) 865-8701
Email Address:
CEO/President Vicki O'Neill
Members 26,614 
Full-Time Employees 75 
Part-Time Employees 14 
Number of Branch Offices
Total Assets 318,135,517 

Compare Millbury Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Webster First CU Fitchburg High School 140 Arnhow Farm Rd 01420 (508) 671-5098 No 2.22
Homefield CU Homefield Credit Union 86 Worcester St 01536 (508) 839-5493 No 4.67
St. Vincent Hospital CU Main 123 Summer St 01608 (508) 363-9339 No 5.26
Allcom CU AllCom Credit Union 36 Park Ave 01609 (508) 754-9980 No 6.51
Shrewsbury CU SHREWSBURY FEDERAL CREDIT UNION 489 BOSTON TPKE 01545 (508) 845-6755 No 6.58

Millbury Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Millbury Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 3.29 3.54 3.38 5.38
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 180 152 58 275
Rank Among All Massachusetts Credit Unions N/A 51 38 8 50

Millbury Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.05 0.10 1.00 1.00
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 143 134 174 158
Rank Among All Massachusetts Credit Unions 10 21 28 30 25
Millbury Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 8.7502,0742,685,156
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.84030810,499,450
New Vehicle Loans 3.2903268,248,825
Used Vehicle Loans 3.5402,59435,371,665
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.380920172,330,533
Total Other Real Estate Loans/Lines of Credit 5.38051316,186,273
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 8.7502119,592,917
TOTAL LOANS & LEASES 6,946254,914,819

Millbury Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 36974,819,3953711,181,530
    b. 15 Years or less 25631,605,3934601,200
    a. > 15 years 288,296,91521,248,718
    b. 15 Years or less 16530,937,5666974,900
Other Fixed Rate 2265,4312804,000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 10026,405,83381,869,150


Closed-End Fixed Rate 471,038,8003111,000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 46615,147,473272,041,573
Open-End Fixed Rate 0000
TOTALS 1,433188,516,8068918,832,071


Interest Only & Payment Option 1st Mortgage Loans 1211,1680
Interest Only & Payment Option Other RE/LOC Loans 1806,341,6500
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Millbury Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes