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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Central Maine 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 18, 2026
Central Maine Federal Credit Union's Variable-Rate IRA CDs 12 Month Term rates are at 3.82%, Wealth Builder IRA CDs 12 Month Term rates are at 3.82%, 12 Month Term Fixed-Rate CDs rates are at 3.75%, EASY IRA CD 12 Month Fixed Rate CDs rates are at 3.72%, Fixed-Rate IRA CDs 12 Month Term rates are at 3.72%. Central Maine Federal Credit Union's savings rates are at 0.05%. Central Maine Federal Credit Union's money market rates are at 0.00%. Central Maine Federal Credit Union's Personal Loan Rates are at 4.25%. MonitorBankRates evaluates the financial stability of Central Maine Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.67%. Rates were last updated on 04/18/2026. Central Maine 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 Central Maine Federal Credit Union? Share your experience about Central Maine Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Central Maine Federal Credit Union. Central Maine Federal Credit Union
Central Maine Federal CU 1000 Lisbon St
https://www.centralmainecu.com Lewiston, ME 04240 5721 
Central Maine Federal Credit Union CD Rates
Central Maine Federal Credit Union Savings Rates
Central Maine Federal Credit Union Money Market Rates
Central Maine Federal Credit Union Checking Rates
Central Maine Federal Credit Union Home Equity & HELOC
Central Maine Federal Credit Union Auto Loan Rates
Central Maine Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Central Maine 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 Central Maine 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 Central Maine Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Central Maine Federal Credit Union
Website
https://www.centralmainecu.com
Address
1000 Lisbon St,
Lewiston, ME 04240 5721
Phone
207-783-1475
Fax
207-777-1914
President
Christopher Crowley
CEO
Kerry Hayes
Full-Time Employees
17
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.67%
Return on Assets (ROA)
0.8489%
Return on Equity (ROE)
5.5835%
Non-Performing Loans Ratio (NPL)
0.35%
Total Assets
136,853,614
Total Amount of Shares and Deposits
115,974,255
Total Shares and Deposits < 1 Year
100,673,571
Total Shares and Deposits 1 3 Years
7,100,090
Total Shares and Deposits > 3 Years
8,200,594
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,885,810
Total Uninsured Shares and Deposits > $250K (F+J)
9,885,810
Total Insured Shares and Deposits > $250K (item 17 less item K)
106,088,445
Total Interest Expense (Sum of items 6 8)
1,753,803
Share Certificates
843
Number of Accounts for Share Drafts
3,882
IRA KEOGH Accounts
372
Number of Accounts for Regular Shares
6,700
All other shares
1
Money Market Shares
1,501
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
38,934,181
Total Liabilities
116,046,683
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Central Maine Federal Credit UnionIs Central Maine Federal Credit Union a safe place to deposit money?Yes, Central Maine Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.6733477416732%, the institution's financial health is rated as excellent. 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 Central Maine Federal Credit Union operate?Central Maine 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 Central Maine Federal Credit Union?Yes, to access services at Central Maine 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, Central Maine 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, Central Maine Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Central Maine Federal Credit Union offer online and mobile banking?Most modern institutions like Central Maine 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.centralmainecu.com. Current Central Maine Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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