We report electro-optical and temperature-dependent electrical-transport properties of LuFe2O4 (LFO) thin films. The LFO thin films at 78 K showed the electro-optical effects of size up to 5% near the Fe2+ d to d on-site electronic transition. In the three-dimensional charge-ordered state of LFO, we observed hysteresis in dc voltage-current measurements and nonlinear voltage-current relationship in transient response of voltage under current pulses. The electro-optical and electrical properties of LFO thin films are interpreted in terms of the field-induced changes of the charge-ordered state mediated by the spin-charge-lattice coupling effect. We also discuss possible mechanisms of the complex electrical properties and electro-optical effects in conjunction with the Maxwell-Wagner effects. Published by Elsevier B.V.