What are the current interest rates at Billerica Municipal Employees Credit Union?

Current rates for Billerica Municipal Employees Credit Union include: 12-Month CD: 3.29%, 18-Month CD: 2.78%

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Billerica Municipal Employees Credit Union

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Billerica Municipal Employees Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Billerica Municipal Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 3, 2026

Billerica Municipal Employees Credit Union's 6 month CD rates are at 3.55%, 12 month CD rates are at 3.29%, 18 month CD rates are at 2.78%. Billerica Municipal Employees Credit Union's Personal Loan Rates are at 4.75%. MonitorBankRates has no NCUA call report data for Billerica Municipal Employees Credit Union, so it is not rated. Rates last updated and verified on 09/03/2026.

Billerica Municipal Employees Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Billerica Municipal Employees Credit Union? Share your experience about Billerica Municipal Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Billerica Municipal Employees Credit Union.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

Billerica Municipal Employees Credit Union CD Rates

Product	Rate	APY	Term
6 month CD	3.50%	3.55%	6 months
Min Balance $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
12 month CD	3.24%	3.29%	12 months
Min Balance $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
18 month CD	2.75%	2.78%	18 months
Min Balance $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%

Billerica Municipal Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto - New	-	-	4.75%	49 to 72 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Auto - New	-	-	5.00%	Up to 48 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Auto - Used	-	-	5.00%	Up to 48 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Auto - Used	-	-	5.75%	49 to 72 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Auto - New	-	-	6.00%	49 to 72 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Auto - Used	-	-	6.50%	49 to 72 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Billerica Municipal Employees Credit Union’s Texas Ratio stayed near 0.00% in Q2 2023 to 0.10% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$24M	0.10%	5.0	A+
December 31, 2025	$24M	0.08%	5.0	A+
September 30, 2025	$24M	0.31%	5.0	A+
June 30, 2025	$25M	0.14%	5.0	A+
March 31, 2025	$23M	0.02%	5.0	A+
December 31, 2024	$22M	0.00%	5.0	A+
September 30, 2024	$20M	0.03%	5.0	A+
June 30, 2024	$20M	0.00%	5.0	A+
March 31, 2024	$20M	0.00%	5.0	A+
December 31, 2023	$19M	0.00%	5.0	A+
September 30, 2023	$19M	0.00%	5.0	A+
June 30, 2023	$20M	0.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Billerica Municipal Employees Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Billerica Municipal Employees Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Billerica Municipal Employees Credit Union's official website for the most current offers and terms.

2026 MBR Health & Safety Badge

Billerica Municipal Employees Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Billerica Municipal Employees Credit Union yet. Feel free to create one below.

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Frequently Asked Questions About Billerica Municipal Employees Credit Union

How many branches does Billerica Municipal Employees Credit Union operate?

Billerica Municipal Employees Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Billerica Municipal Employees Credit Union?

Yes, to access services at Billerica Municipal Employees Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Billerica Municipal Employees Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Billerica Municipal Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Billerica Municipal Employees Credit Union offer online and mobile banking?

Most modern institutions like Billerica Municipal Employees Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.billericamecu.com.