Massachusetts Organization of State Engineers & Scientists

MOSES Federal Credit Union

The Credit Union run by MOSES for MOSES Members.

Your Children can join if you are a member.


We are now at 978 276-0576 ext 316


MOSES FEDERAL CREDIT UNION can now transfer funds directly into your checking account.

Your money is usually available in 1 day.   Call us for details on how to get setup   (978) 276-0750 Loan Application Form

Pay Off your High Credit Card Balances

CREDIT CARD LOANS – MAX $25,000.00  

All checks made payable to Credit Card Company

                  with rates as low as:

   9.75%  APR for 12 Months
   10.75 APR for 24 Months
 APR for 36-48 Months

NO MFCU Rewrites

Automobile Loans – Special New Rates for New Purchases up to $50,000!

Variable rates below based on credit score of 700 or better  (Based on Credit history)

NO MFCU Rewrites  We will rewrite loans from other institutions

Loan Application Form

New Account Application

Payroll Direct Deposit Authorization

Model Year 2023 or Newer

Rates as low as 7.0% for up to 60 months                                 

Applicants must have a credit rating of 700 or better  (other rates are available)

We’ll finance up to 80% of the purchase price 

Model Year 2022

Rates as low as 7.5 % for up to 60 months                                     

Model Year 2020-2021

Rates as low as  8.25%  for up to 48 months

Model Year 2017-2019

Rates as low as  9.0%  for up to 36 months         


We also offer loans for Motorcycles


Personal Loan rates as low as:

  9.5 %  for 12 Month Term
12.9 %  for 24 Month-48 Month Term

Personal Loans- up to $20,000(Maximum) Based on Credit Score

We also offer:

Education Loans  –  Special Rates when the Student is an Active employee

Medical/Dental Loans  – Need Dental work but can’t wait for your reimbursement?  have the Dental Work done now – MFCU will pay the dentist then you can pay off the balance of your loan when you receive your reimbursement

Retirement Bridge Loans  –   Considering retirement but worried that you may not receive your first pension payment for 2-3 months?   MFCU will loan you enough to cover your expenses until your pension payments start.  Then you can pay off the balance of your loan when your payments begin.  Recent retirees only.

Share Secured Loans  1.9% APR for up to 36 Months

For more information call or write:
M.O.S.E.S. Federal Credit Union
P.O. Box 521
No. Reading, MA. 01864-0521

Phone:   (978) 276-0750 Ext 316


(Rates, terms and conditions are subject to change without notice)

Approval of All Loans and Rates subject to applicant’s credit history

    Board of Directors

Allen Bondeson -President  (MassDOT)
Patrick Russell- Vice president  (MWRA)
Joanne Demers- Treasurer/Administrator  (MFCU)
Catherine Costanzo – Secretary (MOSES Attorney)
Paul K. Donohue – (Retiree MassDOT)