What are the current interest rates at Capital Area Federal Credit Union?

Current rates for Capital Area Federal Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 1.01%, 24-Month CD: 3.56%, Savings: 0.15%

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Capital Area Federal Credit Union

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Capital Area Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Capital Area 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 12, 2026

Capital Area Federal Credit Union's top rates as of October 12, 2026 are 3.56% APY on its CD - 24 month, 0.15% APY on savings, 6.25% on its First Mortgages, personal loans from 8.00% APR, and credit cards from 5.99% APR, according to rates verified by MonitorBankRates. Other Capital Area Federal Credit Union CD rates include CD - 18 month at 3.45%, CD - 12 month at 3.40%, and CD - 6 month at 3.30%. Other Capital Area Federal Credit Union mortgage rates include First Mortgages at 6.50%, First Mortgages at 6.75%, and First Mortgages at 7.00%. MonitorBankRates evaluates the financial stability of Capital Area Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.20%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.20%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Capital Area Federal Credit Union
Main Office

2010 N Belfast ave
Augusta, ME 04330

https://www.capitalareafcu.org

Customer Reviews

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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.

Capital Area Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 24 month	3.50%	3.56%	24 months
Min Deposit $1,000 Details Dividends compounded monthly; 90 days dividend forfeiture penalty on early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Share Certificate - 18 month	3.40%	3.45%	18 months
Min Deposit $1,000 Details Dividends compounded monthly; 90 days dividend forfeiture penalty on early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Share Certificate - 12 month	3.35%	3.40%	12 months
Min Deposit $1,000 Details Dividends compounded monthly; 90 days dividend forfeiture penalty on early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Share Certificate - 6 month	3.25%	3.30%	6 months
Min Deposit $500 Details Dividends compounded monthly; 90 days dividend forfeiture penalty on early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Youth Share Certificate - 26 month	1.15%	1.16%	26 months
Min Deposit $500 Details Youth; Dividends compounded monthly; 90 days dividend forfeiture penalty on early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Youth Share Certificate - 18 month	1.00%	1.01%	18 months
Min Deposit $100 Details Youth; Dividends compounded monthly; 90 days dividend forfeiture penalty on early withdrawal Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Capital Area Federal Credit Union Savings Rates

Product	Rate	APY
Regular Share (savings) Accounts	0.15%	0.15%
Min Deposit $25 Min Balance $40,000 Details Balance: over $40,000; Minimum membership deposit amount is $25.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Regular Share (savings) Accounts	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000-$40,000; Minimum membership deposit amount is $25.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Club Accounts	0.05%	0.05%
Details Other Share Accounts; Dividend Yield shown as APY Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Regular Share (savings) Accounts	0.05%	0.05%
Min Deposit $25 Min Balance $100 Details Balance: $100-$10,000; Minimum membership deposit amount is $25.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Capital Area Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgages	-	-	6.25%	15 year
Details Credit Tier: A+ (FICO 730+); Percentages listed as APR per page; Capital Area FCU does not participate in construction loans Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
First Mortgages	-	-	6.50%	30 year
Details Credit Tier: A+ (FICO 730+); Percentages listed as APR per page; Capital Area FCU does not participate in construction loans Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
First Mortgages	-	-	6.50%	15 year
Details Credit Tier: A (FICO 680-729); Percentages listed as APR per page; Capital Area FCU does not participate in construction loans Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
First Mortgages	-	-	6.75%	30 year
Details Credit Tier: A (FICO 680-729); Percentages listed as APR per page; Capital Area FCU does not participate in construction loans Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
First Mortgages	-	-	6.75%	15 year
Details Credit Tier: B (FICO 630-679); Percentages listed as APR per page; Capital Area FCU does not participate in construction loans Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
First Mortgages	-	-	7.00%	30 year
Details Credit Tier: B (FICO 630-679); Percentages listed as APR per page; Capital Area FCU does not participate in construction loans Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
First Mortgages	-	-	7.25%	15 year
Details Credit Tier: C (FICO 600-629); Percentages listed as APR per page; Capital Area FCU does not participate in construction loans Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
First Mortgages	-	-	7.50%	30 year
Details Credit Tier: C (FICO 600-629); Percentages listed as APR per page; Capital Area FCU does not participate in construction loans Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Capital Area Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card	-	5.99%
Details Credit Tier: Share Secured; Visa Credit Cards secured with funds in account (share secured) will be given the lowest rate offered. If funds on hold are released, rate will adjust to qualifying rate. Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 8.25% → 5.99% ▼ 2.26 pts · high 8.25% / low 5.99% Oct 12, 20265.99%▼ from 8.25% Sep 17, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Visa Credit Card	-	8.25%
Details Credit Tier: A+ Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Visa Credit Card	-	10.25%
Details Credit Tier: A Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 10.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Visa Credit Card	-	16.00%
Details Credit Tier: B Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 10.25% → 16.00% ▲ 5.75 pts · high 16.00% / low 10.25% Oct 12, 202616.00%▲ from 10.25% Sep 17, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Visa Credit Card	-	17.50%
Details Credit Tier: C Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 10.25% → 17.50% ▲ 7.25 pts · high 17.50% / low 10.25% Oct 12, 202617.50%▲ from 10.25% Sep 17, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Visa Credit Card	-	17.99%
Details Credit Tier: D Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 10.25% → 17.99% ▲ 7.74 pts · high 17.99% / low 10.25% Oct 12, 202617.99%▲ from 10.25% Sep 17, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Capital Area Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan	8.00%
Details Credit Tier: A+; Credit Score Tier 730+; Unsecured loans without collateral, guaranteed by a person/signature; 0.50% added on loans over $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Unsecured Loan	10.25%
Details Credit Tier: A; Credit Score Tier 680-729; Unsecured loans without collateral, guaranteed by a person/signature; 0.50% added on loans over $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Unsecured Loan	13.25%
Details Credit Tier: B; Credit Score Tier 630-679; Unsecured loans without collateral, guaranteed by a person/signature; 0.50% added on loans over $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Unsecured Loan	16.00%
Details Credit Tier: C; Credit Score Tier 600-629; Unsecured loans without collateral, guaranteed by a person/signature; 0.50% added on loans over $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 16.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Unsecured Loan	17.99%
Details Credit Tier: D; Credit Score Tier 599 and below; Unsecured loans without collateral, guaranteed by a person/signature; 0.50% added on loans over $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 17.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Capital Area Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Escrow Accounts	2.29%	-	2.31%
Details Other Share Accounts; Dividend Yield shown as APY Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.31% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
IRA Accounts	1.00%	-	1.00%
Min Deposit $50 Details Other Share Accounts; Dividend Yield shown as APY Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Youth Accounts	0.25%	-	0.25%
Min Deposit $10 Details Other Share Accounts; Dividend Yield shown as APY Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

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

Capital Area Federal Credit Union’s Texas Ratio rose from 0.40% in Q3 2023 to 2.20% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$71M	2.20%	5.0	A+
March 31, 2026	$72M	0.41%	5.0	A+
December 31, 2025	$70M	0.03%	5.0	A+
September 30, 2025	$68M	0.00%	5.0	A+
June 30, 2025	$69M	0.30%	5.0	A+
March 31, 2025	$68M	0.94%	5.0	A+
December 31, 2024	$67M	0.15%	5.0	A+
September 30, 2024	$65M	0.01%	5.0	A+
June 30, 2024	$64M	2.27%	5.0	A+
March 31, 2024	$64M	0.48%	5.0	A+
December 31, 2023	$63M	1.85%	5.0	A+
September 30, 2023	$61M	0.40%	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 Capital Area 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 Capital Area 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 Capital Area Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Capital Area Federal Credit Union

Website https://www.capitalareafcu.org

Address 2010 N Belfast ave, Augusta, ME 04330

Phone 207-622-3442

Fax 207-623-4133

President Thomas Doore

CEO Diana Winkley

Full-Time Employees 15

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.20%

Return on Assets (ROA)

0.6666%

Return on Equity (ROE)

3.7762%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

71,395,432

Total Amount of Shares and Deposits

57,656,022

Total Shares and Deposits < 1 Year

55,453,725

Total Shares and Deposits 1 3 Years

2,162,900

Total Shares and Deposits > 3 Years

39,396

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

1,112,567

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

1,112,567

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

56,543,455

Total Interest Expense (Sum of items 6 8)

433,540

Share Certificates

297

Number of Accounts for Share Drafts

2,829

IRA KEOGH Accounts

140

Number of Accounts for Regular Shares

4,903

Non Member Deposits

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)

15,347,550

Total Liabilities

58,792,988

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Capital Area Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Capital Area Federal Credit Union

How many branches does Capital Area Federal Credit Union operate?

Capital Area 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 Capital Area Federal Credit Union?

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

Does Capital Area Federal Credit Union offer online and mobile banking?

Most modern institutions like Capital Area 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.capitalareafcu.org.