{"name":"Luso American Credit Union","domain":"luso-american.com","url":"https://optimly.ai/brand/luso-american-credit-union","is_claimed":false,"categories":["fintech-financial-services"],"headers":[{"header":"Overview","sections":[{"key":"short_description","label":"Tagline","shape":"text","content":"Luso American Credit Union is a full-service, non-profit cooperative credit union serving the local community from Peabody, Massachusetts.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"description","label":"Description","shape":"text","content":"Founded in 1960, Luso American Credit Union provides financial products, services, and delivery channels with personalized and professional service. It is a state-chartered and federally insured financial institution with assets of over $100 million.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"}]},{"header":"Identity","sections":[{"key":"mission","label":"Mission","shape":"text","content":"To serve the financial needs of the local community, reinvest in members, and assist with their financial success.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"leadership","label":"Founders & leadership","shape":"text","content":"Overseen by a board of directors comprised of qualified and visionary community leaders.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"website","label":"Website","shape":"text","content":"https://luso-american.com","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"voice_tone","label":"Voice & tone","shape":"text","content":"Personalized, professional, member-focused, and community-oriented.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"founded","label":"Founded","shape":"text","content":"1960","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"headquarters","label":"Headquarters","shape":"text","content":"Peabody, Massachusetts","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"parent_ownership","label":"Parent ownership","shape":"text","content":"Non-profit cooperative; state-chartered and federally insured.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"}]},{"header":"Offerings","sections":[{"key":"problem_solved","label":"Problem solved","shape":"text","content":"Provides accessible financial products, services, and delivery channels for community members, with a focus on better rates, lower fees, and personalized service.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"core_capabilities","label":"Core capabilities","shape":"text","content":"Personal banking and savings accounts\nBusiness banking services\nConsumer lending\nHome equity lending\nAuto loans\nOnline banking and bill payment\nMobile banking and remote deposit\nDirect deposit and eStatements","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"products","label":"Products / SKUs","shape":"text","content":"Personal accounts\nBusiness Center services\nLending Center services\nFlexStart Home Equity Line of Credit\nAuto loans\nOnline banking\nOnline bill payer\nMobile banking and remote deposit","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"pricing","label":"Pricing","shape":"text","content":"Membership requires opening a savings account with $25 for eligible people who live or work in Essex County. The website advertises a 4.99% introductory APR for the FlexStart Home Equity Line of Credit, auto loan rates as low as 3.99% APR, and a $500 loan for a 6- or 9-month term at 15.00% APR.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"}]},{"header":"Audience","sections":[{"key":"target_industry","label":"Target industry","shape":"text","content":"Financial services; credit unions and community banking.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"customer_base","label":"Customer base","shape":"text","content":"Individuals and businesses in the local community; membership is available to people who live or work in Essex County, Massachusetts.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"icp","label":"Ideal customer profile","shape":"text","content":"Individuals and businesses in Essex County seeking member-focused banking, savings, lending, and digital financial services.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"use_cases","label":"Use cases","shape":"text","content":"Opening a savings or other personal account\nAccessing business banking services\nObtaining an auto loan\nUsing a home equity line of credit\nManaging accounts through online or mobile banking\nPaying bills online\nMaking remote deposits\nUsing direct deposit and eStatements","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"},{"key":"customer_outcomes","label":"Customer outcomes","shape":"text","content":"Personalized and professional financial service\nAccess to better rates and lower fees\nSupport in achieving financial goals and success\nAccess to surcharge-free ATMs through the SUM Network\nDebit card fraud detection and account protection","source_type":"1p_website","source_label":"Brand's website","source_url":"https://luso-american.com","updated_at":"2026-11-08T02:24:35.024594+00:00"}]}],"last_refreshed_at":"2026-11-08T02:24:35.032535+00:00","last_changed_at":"2026-11-08T02:24:35.041508+00:00","claim_url":"https://app.optimly.ai/sign-up?claim=d963315e-d334-4ba6-829a-a73f96b02596"}