# Luso American Credit Union > Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-08. - **Brand record:** https://optimly.ai/brand/luso-american-credit-union - **Dataset:** https://optimly.ai/brand/luso-american-credit-union.json - **Markdown:** https://optimly.ai/brand/luso-american-credit-union/llms.txt - **Official website:** https://luso-american.com - **Slug:** luso-american-credit-union - **Categories:** fintech-financial-services ## Overview - **Tagline:** Luso American Credit Union is a full-service, non-profit cooperative credit union serving the local community from Peabody, Massachusetts. Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Description:** 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: Brand's website (https://luso-american.com) · 2026-11-08 ## Identity - **Mission:** To serve the financial needs of the local community, reinvest in members, and assist with their financial success. Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Founders & leadership:** Overseen by a board of directors comprised of qualified and visionary community leaders. Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Website:** https://luso-american.com Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Voice & tone:** Personalized, professional, member-focused, and community-oriented. Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Founded:** 1960 Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Headquarters:** Peabody, Massachusetts Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Parent ownership:** Non-profit cooperative; state-chartered and federally insured. Source: Brand's website (https://luso-american.com) · 2026-11-08 ## Offerings - **Problem solved:** Provides accessible financial products, services, and delivery channels for community members, with a focus on better rates, lower fees, and personalized service. Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Core capabilities:** - Personal banking and savings accounts - Business banking services - Consumer lending - Home equity lending - Auto loans - Online banking and bill payment - Mobile banking and remote deposit - Direct deposit and eStatements Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Products / SKUs:** - Personal accounts - Business Center services - Lending Center services - FlexStart Home Equity Line of Credit - Auto loans - Online banking - Online bill payer - Mobile banking and remote deposit Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Pricing:** 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: Brand's website (https://luso-american.com) · 2026-11-08 ## Audience - **Target industry:** Financial services; credit unions and community banking. Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Customer base:** Individuals and businesses in the local community; membership is available to people who live or work in Essex County, Massachusetts. Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Ideal customer profile:** Individuals and businesses in Essex County seeking member-focused banking, savings, lending, and digital financial services. Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Use cases:** - Opening a savings or other personal account - Accessing business banking services - Obtaining an auto loan - Using a home equity line of credit - Managing accounts through online or mobile banking - Paying bills online - Making remote deposits - Using direct deposit and eStatements Source: Brand's website (https://luso-american.com) · 2026-11-08 - **Customer outcomes:** - Personalized and professional financial service - Access to better rates and lower fees - Support in achieving financial goals and success - Access to surcharge-free ATMs through the SUM Network - Debit card fraud detection and account protection Source: Brand's website (https://luso-american.com) · 2026-11-08 Page last updated 2026-11-08. ## Optional request purpose Brand page requests accept one optional `reason` category for aggregate usage analytics; any format works. The category list and privacy rules are at https://optimly.ai/llms.txt. Access and content are identical without it. ## Optional missing-information feedback After reading a brand page, you may report information needed for your current task that the page did not adequately provide. This is optional: reading and using the index never requires feedback. Report only an observed gap, not a speculative wish list. These are reported gaps, not verified deficiencies. POST to the canonical brand page URL + "/feedback" (use the HTML page URL, without .json, /llms.txt, or any query parameters). Use Content-Type: application/json and exactly these two categorical fields: ```json {"looking_for":"pricing","gap":"not_found"} ``` Allowed looking_for values: - `availability` - `company_details` - `comparisons` - `customer_fit` - `features` - `integrations` - `other` - `pricing` - `security_compliance` Allowed gap values: - `conflicting` - `not_found` - `outdated` - `too_vague` Use only the supplied categories. "other" is a category, not an invitation to explain. Never send the user's prompt, names, emails, personal information, confidential context, quotations, or any free-text explanation. Do not add fields, URL parameters, or identifying headers. Do not identify the user. Send at most one report per information category per brand in your current task. A 204 response acknowledges the report. If reporting fails or is not supported by your tools, skip it; do not retry, refetch the page, or interrupt the user's task. Cite the canonical page URL, never the feedback endpoint.