What are the current interest rates at Cumberland County Federal Credit Union?

Current rates for Cumberland County Federal Credit Union include: 12-Month CD: 3.82%, 24-Month CD: 3.87%, 60-Month CD: 4.02%, Savings: 1.00%

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Cumberland County Federal Credit Union

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Cumberland County Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cumberland County 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

Cumberland County Federal Credit Union's top rates as of October 12, 2026 are 4.23% APY on its 60 Month IRA CD, 1.00% APY on savings, 0.20% APY on checking, personal loans from 7.50% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. Other Cumberland County Federal Credit Union CD rates include 60 Month Regular CD at 4.23%, 48 Month IRA CD at 4.18%, and 48 Month Regular CD at 4.18%. MonitorBankRates evaluates the financial stability of Cumberland County Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.81%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.81%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Cumberland County Federal Credit Union
Falmouth

101 Gray Rd
Falmouth, ME 04105

https://www.myccfcu.com

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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.

Cumberland County Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month IRA Share Certificate	4.15%	4.23%	60 Month
Min Balance $150,000 Details Balance: $150,000.00 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.23% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
60 Month Regular Share Certificate	4.15%	4.23%	60 Month
Min Balance $150,000 Details Balance: $150,000.00 and over; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.23% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
48 Month IRA Share Certificate	4.10%	4.18%	48 Month
Min Balance $150,000 Details Balance: $150,000.00 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
48 Month Regular Share Certificate	4.10%	4.18%	48 Month
Min Balance $150,000 Details Balance: $150,000.00 and over; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
36 Month IRA Share Certificate	4.05%	4.13%	36 Month
Min Balance $150,000 Details Balance: $150,000.00 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
36 Month Regular Share Certificate	4.05%	4.13%	36 Month
Min Balance $150,000 Details Balance: $150,000.00 and over; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
60 Month IRA Share Certificate	4.05%	4.13%	60 Month
Min Balance $50,000 Details Balance: $50,000.00 to $149,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
60 Month Regular Share Certificate	4.05%	4.13%	60 Month
Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
24 Month IRA Share Certificate	4.00%	4.07%	24 Month
Min Balance $150,000 Details Balance: $150,000.00 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
24 Month Regular Share Certificate	4.00%	4.07%	24 Month
Min Balance $150,000 Details Balance: $150,000.00 and over; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
48 Month IRA Share Certificate	4.00%	4.07%	48 Month
Min Balance $50,000 Details Balance: $50,000.00 to $149,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
48 Month Regular Share Certificate	4.00%	4.07%	48 Month
Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
12 Month IRA Share Certificate	3.95%	4.02%	12 Month
Min Balance $150,000 Details Balance: $150,000.00 or more Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
12 Month Regular Share Certificate	3.95%	4.02%	12 Month
Min Balance $150,000 Details Balance: $150,000.00 and over; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
36 Month IRA Share Certificate	3.95%	4.02%	36 Month
Min Balance $50,000 Details Balance: $50,000.00 to $149,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
36 Month Regular Share Certificate	3.95%	4.02%	36 Month
Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
60 Month IRA Share Certificate	3.95%	4.02%	60 Month
Min Balance $1,000 Details Balance: $1,000.00 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
60 Month Regular Share Certificate	3.95%	4.02%	60 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
24 Month IRA Share Certificate	3.90%	3.97%	24 Month
Min Balance $50,000 Details Balance: $50,000.00 to $149,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.97% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
24 Month Regular Share Certificate	3.90%	3.97%	24 Month
Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.97% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
48 Month IRA Share Certificate	3.90%	3.97%	48 Month
Min Balance $1,000 Details Balance: $1,000.00 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.97% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
48 Month Regular Share Certificate	3.90%	3.97%	48 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.97% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
9 Month Regular Share Certificate	3.90%	3.97%	9 Month
Min Balance $150,000 Details Balance: $150,000.00 and over; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.97% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
12 Month IRA Share Certificate	3.85%	3.92%	12 Month
Min Balance $50,000 Details Balance: $50,000.00 to $149,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
12 Month Regular Share Certificate	3.85%	3.92%	12 Month
Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
36 Month IRA Share Certificate	3.85%	3.92%	36 Month
Min Balance $1,000 Details Balance: $1,000.00 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
36 Month Regular Share Certificate	3.85%	3.92%	36 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
6 Month Regular Share Certificate	3.85%	3.92%	6 Month
Min Balance $150,000 Details Balance: $150,000.00 and over; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
24 Month IRA Share Certificate	3.80%	3.87%	24 Month
Min Balance $1,000 Details Balance: $1,000.00 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.87% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
24 Month Regular Share Certificate	3.80%	3.87%	24 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.87% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
9 Month Regular Share Certificate	3.80%	3.87%	9 Month
Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.87% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
12 Month IRA Share Certificate	3.75%	3.82%	12 Month
Min Balance $1,000 Details Balance: $1,000.00 to $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
12 Month Regular Share Certificate	3.75%	3.82%	12 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
6 Month Regular Share Certificate	3.75%	3.82%	6 Month
Min Balance $50,000 Details Balance: $50,000.00 - $149,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
9 Month Regular Share Certificate	3.70%	3.76%	9 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
6 Month Regular Share Certificate	3.65%	3.71%	6 Month
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; *APY = Annual Percentage Yield. Minimum balance requirement is $1000. Once a certificate is opened, the rate remains fixed through maturity. Early withdrawal will reduce earnings. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%

Cumberland County Federal Credit Union Savings Rates

Product	Rate	APY
IRA & HSA Savings Account	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
Club Account	0.10%	0.10%
Min Balance $5 Details Minimum Dividend Balance is $5.00; Not Tiered 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: 4.81%

Cumberland County Federal Credit Union Checking Rates

Product	Rate	APY	View More
Non-Profit Checking	0.20%	0.20%
Min Balance $20 Details Not Tiered; Minimum Dividend Balance is $20.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%

Cumberland County Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans	-	-	5.85%
Details As Low As; Featured rate on homepage Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.85% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%

Cumberland County Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.50%
Details As Low As; Terms apply; No Payments for up to 45 days Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20% Oct 4, 20264.50%▲ from 4.20% Sep 14, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%

Cumberland County Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Plus	-	10.00%
Details Variable APR based on Prime Rate; Balance Transfer APR: 10.00%; Cash Advance APR: 10.00%; Foreign Transaction Fee: 1.00% Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75% Oct 4, 202610.00%▲ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
Visa	-	15.00%
Details Variable APR based on Prime Rate; Balance Transfer APR: 15.00%; Cash Advance APR: 15.00%; Foreign Transaction Fee: 1.00% Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 4, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%
Visa Secured	-	15.00%
Details Variable APR based on Prime Rate; Balance Transfer APR: 15.00%; Cash Advance APR: 15.00%; Foreign Transaction Fee: 1.00%; Secured card Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Oct 4, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%

Cumberland County Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	7.50%
Details As Low As; Featured rate on homepage Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.81%

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

Cumberland County Federal Credit Union’s Texas Ratio stayed near 4.66% in Q3 2023 to 4.81% 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; 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	$494M	4.81%	5.0	A+
March 31, 2026	$488M	4.63%	5.0	A+
December 31, 2025	$480M	7.96%	5.0	A
September 30, 2025	$477M	4.94%	5.0	A+
June 30, 2025	$467M	6.16%	5.0	A
March 31, 2025	$463M	4.31%	5.0	A+
December 31, 2024	$454M	6.57%	5.0	A
September 30, 2024	$444M	8.16%	5.0	A
June 30, 2024	$437M	6.73%	5.0	A
March 31, 2024	$433M	4.88%	5.0	A+
December 31, 2023	$426M	5.23%	5.0	A+
September 30, 2023	$428M	4.66%	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 Cumberland County 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 Cumberland County 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 Cumberland County Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cumberland County Federal Credit Union

Website https://www.myccfcu.com

Address 101 Gray Rd, Falmouth, ME 04105

Phone 207-878-3441

Fax 207-878-5327

President Alexis D'Ascanio

CEO Scott Harriman

Full-Time Employees 62

Part-Time Employees 2

Branch Locations 7

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.81%

Return on Assets (ROA)

0.5058%

Return on Equity (ROE)

5.0099%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

493,964,425

Total Amount of Shares and Deposits

440,927,849

Total Shares and Deposits < 1 Year

414,864,281

Total Shares and Deposits 1 3 Years

20,776,111

Total Shares and Deposits > 3 Years

5,287,457

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

40,644,848

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

40,644,848

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

400,283,001

Total Interest Expense (Sum of items 6 8)

4,223,461

Share Certificates

3,388

Number of Accounts for Share Drafts

15,916

IRA KEOGH Accounts

827

Number of Accounts for Regular Shares

28,526

All other shares

765

Money Market Shares

2,971

Net Income (unless the amount is already included in Undivided Earnings)

2,498,231

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)

42,452,878

Total Liabilities

444,098,419

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Cumberland County Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Cumberland County Federal Credit Union

How many branches does Cumberland County Federal Credit Union operate?

Cumberland County 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 Cumberland County Federal Credit Union?

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

Does Cumberland County Federal Credit Union offer online and mobile banking?

Most modern institutions like Cumberland County 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.myccfcu.com.

Current Cumberland County Federal Credit Union Rates

12-Month CD3.82%
24-Month CD3.87%
60-Month CD4.02%
Savings1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Cumberland County Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cumberland County Federal Credit Union Texas Ratio

Cumberland County Federal Credit Union Health Trend

Cumberland County Federal Credit Union CD Rates

Cumberland County Federal Credit Union Savings Rates

Cumberland County Federal Credit Union Checking Rates

Cumberland County Federal Credit Union Home Equity & HELOC

Cumberland County Federal Credit Union Auto Loan Rates

Cumberland County Federal Credit Union Credit Card Rates

Cumberland County Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Cumberland County Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Cumberland County Federal Credit Union

How many branches does Cumberland County Federal Credit Union operate?

Is a member application needed to join Cumberland County Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cumberland County Federal Credit Union offer online and mobile banking?

Current Cumberland County Federal Credit Union Rates

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