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Acadia Federal Credit Union

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Acadia Federal Credit Union Rates & Review November 2026

Q: Is a member application needed to join Acadia Federal Credit Union?

Yes, to access services at Acadia Federal 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Acadia Federal 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: October 29, 2026

Acadia Federal Credit Union's Auto Loan Rates are as low as 4.74%. Acadia Federal Credit Union's Credit Card Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Acadia Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.22%. Rates last updated and verified on 10/29/2026.

Acadia Federal 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 Acadia Federal Credit Union? Share your experience about Acadia Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Acadia Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.22%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Acadia Federal Credit Union
Main Office

9 E Main St
Fort Kent, ME 04743-1306

https://www.acadiafcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Acadia Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.74%
Details As Low As; Homepage 'Today's Rates' teaser Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.22%

Acadia Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Acadia Visa Credit Card	-	10.90%
Details As Low As; Assigned APRs by credit tier: A = 10.90%, B = 11.90%, C = 12.90%, D = 15.90%; Credit limit up to $15,000 (A and B tiers), $10,000 (C and D tiers); Same APR applies to purchases, balance transfers, and cash advances; Rates effective as of October 22, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.22%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Acadia Federal Credit Union’s Texas Ratio rose from 2.23% in Q3 2023 to 8.22% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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
June 30, 2026	$413M	8.22%	5.0	A
March 31, 2026	$408M	11.56%	5.0	A
December 31, 2025	$399M	9.67%	5.0	A
September 30, 2025	$392M	5.98%	5.0	A+
June 30, 2025	$386M	10.27%	5.0	A
March 31, 2025	$386M	5.77%	5.0	A+
December 31, 2024	$369M	8.35%	5.0	A
September 30, 2024	$371M	4.56%	5.0	A+
June 30, 2024	$365M	4.03%	5.0	A+
March 31, 2024	$349M	3.46%	5.0	A+
December 31, 2023	$333M	4.17%	5.0	A+
September 30, 2023	$323M	2.23%	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 Acadia Federal 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 Acadia Federal 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 Acadia Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Acadia Federal Credit Union

Website https://www.acadiafcu.org

Address 9 E Main St, Fort Kent, ME 04743-1306

Phone 207-834-6167

Fax 207-834-6190

President Christopher Shaw

CEO Joey Cannan

Full-Time Employees 90

Part-Time Employees 6

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.22%

Return on Assets (ROA)

0.2517%

Return on Equity (ROE)

2.2728%

Non-Performing Loans Ratio (NPL)

1.12%

Total Assets

412,792,066

Total Amount of Shares and Deposits

358,621,931

Total Shares and Deposits < 1 Year

322,197,691

Total Shares and Deposits 1 3 Years

30,152,003

Total Shares and Deposits > 3 Years

6,272,236

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

32,407,549

Total Uninsured Shares and Deposits > $250K (F+J)

32,407,549

Total Insured Shares and Deposits > $250K (item 17 less item K)

326,214,382

Total Interest Expense (Sum of items 6 8)

3,545,555

Share Certificates

4,178

Number of Accounts for Share Drafts

12,144

IRA KEOGH Accounts

2,048

Number of Accounts for Regular Shares

24,254

All other shares

323

Money Market Shares

1,404

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,088,513

Total Liabilities

366,727,239

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Acadia Federal 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/acadia-federal-credit-union-rates-review-15619">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About Acadia Federal Credit Union

What is the lowest auto loan rate at Acadia Federal Credit Union?

The lowest Acadia Federal Credit Union auto loan rate is its Auto Loans at 4.74% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Acadia Federal Credit Union?

The lowest Acadia Federal Credit Union credit card APR is its Acadia Visa Credit Card at 10.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Acadia Federal Credit Union operate?

Acadia Federal 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 Acadia Federal Credit Union?

Yes, to access services at Acadia Federal 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, Acadia Federal 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, Acadia Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Acadia Federal Credit Union offer online and mobile banking?

Most modern institutions like Acadia Federal 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.acadiafcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Acadia Federal Credit Union rates compare?

Acadia Federal Credit Union's top rates are its Auto Loans at 4.74% APR and its Acadia Visa Credit Card at 10.90% APR, verified by MonitorBankRates on October 29, 2026.