The Mills42 Difference
Since 1958, we’ve been dedicated to the credit union philosophy of "People helping people." But what exactly does this mean? For starters, it means you’re not just an account number—you’re a member and an owner of a financial institution that always has your back.

If you’ve had difficulties in the past getting a loan or saving money, we’ll dig deeper to find a solution or create one tailor-made for you. And if you’ve already established a strong financial foundation, know that we have the best rates around for both loans and deposits. We encourage you to contact us first before you open an account, take out another loan or consider refinancing an existing loan.

Whether it’s budgeting, refinancing, savings or more, our team works in creative ways to help you Build from here.
Ways to bank with Mills42
What I need to do: Where to go:
Withdraw Cash An ATM in our network
Transfer Money 1. Online Banking
2. Our Mobile App
3. An ATM in our network
Deposit a Check 1. Remote deposit through our Mobile App
2. An ATM in our network
3. Night Deposit (in our ATM lobby)
Deposit Cash 1. An ATM in our network
2. Night Deposit (in our ATM lobby)
Make a Loan Payment on a Mills42 FCU Loan 1. Online through our payment portal
2. Online Banking by making a transfer from your Mills42 checking or savings account.
3. Our Mobile App with either mobile check deposit or by making a transfer from your Mills42 checking or savings account
4. Set up an automatic withdrawal from your paycheck. Contact us to request a Direct Deposit form.
5. Deposit at an ATM in our network
6. Deposit in our Night Deposit (in our ATM lobby)
Apply for a Loan 1. Online
2. Online Banking
3. Our Mobile App
Open a Checking Account Online
Open a Savings Account Online
Contact our Member Services Team 1. Call during business hours at 978-328-5100
2. Email us at
Make a Transaction I Cannot Complete Electronically 1. Call during business hours at 978-328-5100
2. Email us at
Mobile Banking
Wherever you go, we're there with you
Whether you want to check your balance, view loan rates, deposit money or report a lost card, the Mills42 mobile banking app is just a tap away.

iPhone and iPad Users
Download from the App Store.

Android Mobile & Tablet Users
Download from the App Store.
Over 30,000 more reasons to bank with us
With more than 30,000 CO-OP® ATM locations across the country, almost 30 right in Lowell, our members have more access to ATMs than customers of some of the largest financial institutions in the country!

Look for the CO-OP® Network logo when withdrawing cash from your Mills42 checking or savings account for a fee-free ATM experience wherever you are.
Find an ATM near me
Choose your tools and Build From Here
We don’t believe in one-size-fits-all banking or pushing unnecessary products at our members. Instead, we focus on trusted tools and financial products that truly make life easier and keep more money in your pocket.
Rewards Checking
Turn your checking account into a financial bonus with great interest rates and a free debit card.
Enroll now
VISA® Credit Cards
Choose between low-rate or cash back and reap the benefits of security and convenience.
Apply now
Auto Loans + Refis
Looking for a more affordable way to hit the road? We’ll beat your current rate from another lender by at least 2.00% APR (to a floor of 2.49%)* and keep the process simple and easy.
Learn more
Want to share the love and gain a little, too?
Make $42 for you and $42 for a friend**
As a member of Mills42 Federal Credit Union, we give you (and your friend) the opportunity to make $42**. That’s $42 in your pocket and $42 in theirs, just for sharing the love. Best part is you can refer as many people as you wish and watch those $42 deposits quickly add up.
Refer a friend
Mills42 Federal Credit Union
Mills42 Federal Credit Union
Federally insured by NCUA
Equal Housing Lender
83 Merrimack Street, Lowell, MA 01852
p (978) 328-5100
Routing #: 211381592
* APR=Annual Percentage Rate. Lowest APR available from Mills42 FCU is 2.49%. Actual rate and term based on applicant's creditworthiness. Applies only to auto loans not currently financed with Mills42 FCU.
** To qualify for the referral bonus, the member making the referral must use the online referral form. The referred person must open a membership with Mills42 FCU with a share savings account and open at least one additional account within 30 days of the referral date. The referred new member’s accounts must remain open for at least 365 days, and then the new member will receive $42 referral bonus. If referred new member closes account(s) within 365 days, then this $42 referral bonus will be forfeited. For the existing referring member, the $42 referral bonus will be awarded via deposit(s) to their share savings account within 30 days after all criteria has been met. In the event more than one member refers the same individual, Mills42 FCU will award the bonus to the first member making the referral. Referred member must be new to Mills42 FCU. There is no limit to the number of referrals a member may submit. You must qualify for and establish membership at Mills42 FCU and be of legal contract age to apply. All accounts are subject to our normal approval process. Members and accounts must be in good standing to receive bonuses. Mills42 FCU rules and regulations apply. Members who have closed their Mills42 FCU membership within three months prior to being referred are not eligible. Fees can reduce earnings on the account. This offer is non-transferable and may be canceled without prior notice. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. Mills42 FCU reserves the right to terminate the program at any time, revise program terms or refuse bonuses upon our discretion. Ask us for details.