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Advertiser Disclosure
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 Capital Area Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 4, 2026
Capital Area Federal Credit Union's CD's (share 24 mo. rates are at 3.56%, CD's (share 18 mo. rates are at 3.45%, CD's (share 12 mo. rates are at 3.40%, CD's (share 6 mo. rates are at 3.30%, CD's (share 26 mo. Youth rates are at 1.16%. Capital Area Federal Credit Union's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Capital Area Federal Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/04/2026. 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. Capital Area Federal Credit Union
Main Office 2010 N Belfast ave
https://www.capitalareafcu.org Augusta, ME 04330 
Capital Area Federal Credit Union CD Rates
Capital Area Federal Credit Union Savings Rates
Capital Area Federal Credit Union Mortgage Rates
Capital Area Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
14
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
1.0720%
Return on Equity (ROE)
6.2007%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
68,408,911
Total Amount of Shares and Deposits
55,650,646
Total Shares and Deposits < 1 Year
49,257,176
Total Shares and Deposits 1 3 Years
6,354,910
Total Shares and Deposits > 3 Years
38,559
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
541,350
Total Uninsured Shares and Deposits > $250K (F+J)
541,350
Total Insured Shares and Deposits > $250K (item 17 less item K)
55,109,296
Total Interest Expense (Sum of items 6 8)
673,929
Share Certificates
276
Number of Accounts for Share Drafts
2,882
IRA KEOGH Accounts
144
Number of Accounts for Regular Shares
5,047
Non Member Deposits
28
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,137,926
Total Liabilities
56,601,405
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Capital Area Federal Credit UnionIs Capital Area Federal Credit Union a safe place to deposit money?Yes, Capital Area Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Capital Area Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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