|
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.
 Eastmill Federal Credit Union Rates & Review November 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 and Verified: October 28, 2026
Eastmill Federal Credit Union's 9 Month CD rates are at 4.07%, 12 Month CD rates are at 3.97%, 15 Month CD rates are at 3.92%, 6 Month CD rates are at 3.87%, 18 Month CD rates are at 3.82%. Eastmill Federal Credit Union's checking rates are as high as 3.25%. Eastmill Federal Credit Union's Personal Loan Rates are as low as 8.50%. Eastmill Federal Credit Union's Credit Card Rates are at 9.90%. Eastmill Federal Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Eastmill Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/28/2026. Eastmill 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 Eastmill Federal Credit Union? Share your experience about Eastmill Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Eastmill Federal Credit Union. Eastmill Federal Credit Union
Eastmill Federal Credit Union 60 Main St
https://www.eastmillfcu.org East Millinocket, ME 04430-1128  Customer Reviews
Be the first to review
Write a Review
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. Eastmill Federal Credit Union CD Rates
Eastmill Federal Credit Union Checking Rates
Eastmill Federal Credit Union Auto Loan Rates
Eastmill Federal Credit Union RV, Boat and Powersport Loan Rates
Eastmill Federal Credit Union Credit Card Rates
Eastmill Federal Credit Union Personal Loan Rates
Eastmill Federal Credit Union Other Rates
Financial Health HistoryEastmill Federal Credit Union’s Texas Ratio stayed near 0.01% in Q3 2023 to 0.00% 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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Eastmill 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 Eastmill 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 Eastmill Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Eastmill Federal Credit Union
Website
https://www.eastmillfcu.org
Address
60 Main St,
East Millinocket, ME 04430-1128
Phone
207-746-3428
Fax
207-746-5881
President
John Doe
CEO
Derek Hebert
Full-Time Employees
20
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
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
0.00%
Return on Assets (ROA)
0.1697%
Return on Equity (ROE)
0.9144%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
79,604,996
Total Amount of Shares and Deposits
64,663,812
Total Shares and Deposits < 1 Year
62,515,574
Total Shares and Deposits 1 3 Years
1,859,149
Total Shares and Deposits > 3 Years
289,089
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,623,963
Total Uninsured Shares and Deposits > $250K (F+J)
5,623,963
Total Insured Shares and Deposits > $250K (item 17 less item K)
59,039,849
Total Interest Expense (Sum of items 6 8)
415,100
Share Certificates
495
Number of Accounts for Share Drafts
2,048
IRA KEOGH Accounts
378
Number of Accounts for Regular Shares
5,864
All other shares
24
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)
3,996,343
Total Liabilities
64,831,772
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Eastmill Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Eastmill Federal Credit Union
Frequently Asked Questions About Eastmill Federal Credit UnionDoes Eastmill Federal Credit Union offer CDs?Yes. Eastmill Federal Credit Union current CD rates include its 9 Month CD at 4.07% APY, its 12 Month CD at 3.97% APY and its 15 Month CD at 3.92% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Eastmill Federal Credit Union NCUA insured?Yes. Eastmill Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Eastmill Federal Credit Union?The highest Eastmill Federal Credit Union CD rate is its 9 Month CD at 4.07% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Eastmill Federal Credit Union offer?Eastmill Federal Credit Union CD rates are 3.87% APY for a 6 month CD, 4.07% APY for a 9 month CD, 3.97% APY for a 12 month CD, 3.92% APY for a 15 month CD, 3.82% APY for an 18 month CD, 3.76% APY for a 2 year CD and 3.66% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Eastmill Federal Credit Union for its full lineup. What is the highest checking rate at Eastmill Federal Credit Union?The highest Eastmill Federal Credit Union checking rate is its Elevate Checking at 3.25% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest auto loan rate at Eastmill Federal Credit Union?The lowest Eastmill Federal Credit Union auto loan rate is its Auto Loan at 4.00% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Eastmill Federal Credit Union?The lowest Eastmill Federal Credit Union personal loan rate is its Personal Loans at 8.50% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Eastmill Federal Credit Union?The lowest Eastmill Federal Credit Union credit card APR is its Visa Credit Cards at 9.90% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Eastmill Federal Credit Union operate?Eastmill 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 Eastmill Federal Credit Union?Yes, to access services at Eastmill 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, Eastmill 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, Eastmill Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Eastmill Federal Credit Union offer online and mobile banking?Most modern institutions like Eastmill 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.eastmillfcu.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 Eastmill Federal Credit Union rates compare?Eastmill Federal Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A+ health rating. Eastmill Federal Credit Union's top rates are its 9 Month CD at 4.07% APY, its Elevate Checking at 3.25% APY, its Personal Loans at 8.50% APR and its Visa Credit Cards at 9.90% APR, verified by MonitorBankRates on October 28, 2026. Current Eastmill Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Freedom Northwest Credit Union
JC Federal Employees Credit Union
Twin Oaks Federal Credit Union
Feliciana Federal Credit Union
Penn South Cooperative Federal Credit Union
Uniwyo Federal Credit Union
Central Susquehanna Community Federal Credit Union
Southbridge Credit Union
First Street Federal Credit Union
Sevenfold Federal Credit Union
Waco Federal Credit Union
Pipefitters Steamfitters Credit Union
Berylco Employees Credit Union
Teamsters Council #37 Federal Credit Union
Plus Credit Union
Minuteman Credit Union
Mission City Federal Credit Union
Seagoville Federal Credit Union
Eastman Credit Union
DATCU Credit Union
Georgia Power Valdosta Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
