What are the current interest rates at Maine Family Federal Credit Union?

Current rates for Maine Family Federal Credit Union include: 12-Month CD: 4.30%, 24-Month CD: 4.40%, 60-Month CD: 4.50%, Savings: 2.00%, MMA: 3.66%

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Maine Family Federal Credit Union

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Maine Family Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Maine Family 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

Maine Family Federal Credit Union's top rates as of October 12, 2026 are 4.50% APY on its 3 Year CD, 2.00% APY on savings, 3.66% APY on money market accounts, 5.88% on its First Mortgages - 6 Years - 10 Years, and personal loans from 9.50% APR, according to rates verified by MonitorBankRates. Other Maine Family Federal Credit Union CD rates include 4 Year CD at 4.50%, 5 Year CD at 4.50%, and IRA 3 Year CD at 4.50%. Other Maine Family Federal Credit Union mortgage rates include First Mortgages - 1 Year - 5 Years at 5.88%, First Mortgages - 11 Years - 15 Years at 6.25%, and First Mortgages - 20 Years at 6.50%. MonitorBankRates evaluates the financial stability of Maine Family Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.43%. Rates last updated and verified on 10/12/2026.

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

1.43%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Maine Family Federal Credit Union
Main

555 Sabattus St
Lewiston, ME 04240

https://www.mainefamilyfcu.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.

Maine Family Federal Credit Union CD Rates

Product	Rate	APY	Term
3 Year Certificate	4.41%	4.50%	3 years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.95% → 4.50% ▲ 0.55 pts · high 4.50% / low 3.95% Oct 4, 20264.50%▲ from 3.95% Sep 25, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
4 Year Certificate	4.41%	4.50%	4 years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 4, 20264.50%▲ from 4.00% Sep 25, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
5 Year Certificate	4.41%	4.50%	5 years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 4, 20264.50%▲ from 4.00% Sep 25, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
IRA 3 Year Certificate	4.41%	4.50%	3 Year
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
IRA 4 Year Certificate	4.41%	4.50%	4 Year
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
IRA 5 Year Certificate	4.41%	4.50%	5 Year
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
2 Year Certificate	4.314%	4.40%	2 years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90% Oct 4, 20264.40%▲ from 3.90% Sep 25, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
IRA 2 Year Certificate	4.314%	4.40%	2 Year
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
1 Year Certificate	4.218%	4.30%	1 year
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.85% → 4.30% ▲ 0.45 pts · high 4.30% / low 3.85% Oct 4, 20264.30%▲ from 3.85% Sep 25, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
IRA 1 Year Certificate	4.218%	4.30%	1 Year
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Certificate	4.121%	4.20%	6 months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75% Oct 4, 20264.20%▲ from 3.75% Sep 25, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Maine Family Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Accounts	1.98%	2.00%
Min Deposit $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Club Accounts	0.05%	0.05%
Min Deposit $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Maine Family Federal Credit Union Money Market Rates

Product	Rate	APY
Mini Money Market Accounts	3.60%	3.66%
Min Deposit $0 Details Balance: < $2,500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Money Market Accounts	2.716%	2.75%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Money Market Accounts	2.227%	2.25%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Money Market Accounts	2.227%	2.25%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Maine Family Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgages - 6 Years - 10 Years	5.875%	-	5.978%	6 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.98% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
First Mortgages - 1 Year - 5 Years	5.875%	-	6.07%	1 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.07% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
First Mortgages - 11 Years - 15 Years	6.25%	-	6.325%	11 Years
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.07% → 6.33% ▲ 0.25 pts · high 6.33% / low 6.07% Oct 8, 20266.33%▲ from 6.07% Sep 16, 20266.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
First Mortgages - 20 Years	6.50%	-	6.562%	20 Years
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.18% → 6.56% ▲ 0.38 pts · high 6.56% / low 6.18% Oct 8, 20266.56%▲ from 6.18% Sep 16, 20266.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
First Mortgages - 30 Years	6.75%	-	6.798%	30 Years
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.30% → 6.80% ▲ 0.50 pts · high 6.80% / low 6.30% Oct 8, 20266.80%▲ from 6.30% Sep 16, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Maine Family Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Lines of Credit	-	-	6.75%	Revolving
Details Rate: Prime minus 0.25%; Monthly payment: 1.50% of the outstanding balance, or $100.00, whichever is greater; Variable rate; $5,000 minimum for line of credit; Maximum APR 18.00% Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 2, 20266.75%▲ from 6.50% Sep 25, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Maine Family Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Titled Motorcycle Loans	-	-	4.65%	3 Years
Details As Low As; Model Year: 2026-2019; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Auto & Titled Motorcycle Loans	-	-	4.65%	4 Years
Details As Low As; Model Year: 2026-2019; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Auto & Titled Motorcycle Loans	-	-	5.00%	5 Years
Details As Low As; Model Year: 2026-2019; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Auto & Titled Motorcycle Loans	-	-	5.25%	6 Years
Details As Low As; Model Year: 2026-2019; Minimum 6-year loan amount $15,000; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Auto & Titled Motorcycle Loans	-	-	5.50%	7 Years
Details As Low As; Model Year: 2026-2019; Minimum 7-year loan amount $25,000; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Auto & Titled Motorcycle Loans	-	-	5.50%	5 Years
Details As Low As; Model Year: 2018-2016; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Auto & Titled Motorcycle Loans	-	-	6.50%	3 Years
Details As Low As; Model Year: 2015-2011; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Maine Family Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat, Camper, and Motor Home Loan	-	5.50%	4 Years
Details As Low As; Model Year: 2026-2023 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Non-Titled Motorcycle, Snowmobile, Jet Ski, Utility Trailer Loan	-	5.50%	4 Years
Details As Low As; Model Year: 2026-2023; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Boat, Camper, and Motor Home Loan	-	6.00%	5 Years
Details As Low As; Model Year: 2026-2023 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Non-Titled Motorcycle, Snowmobile, Jet Ski, Utility Trailer Loan	-	6.00%	5 Years
Details As Low As; Model Year: 2026-2023; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Boat, Camper, and Motor Home Loan	-	6.25%	6 Years
Details As Low As; Model Year: 2026-2023; Minimum loan amount $15,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Boat, Camper, and Motor Home Loan	-	6.25%	5 Years
Details As Low As; Model Year: 2022-2019 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Non-Titled Motorcycle, Snowmobile, Jet Ski, Utility Trailer Loan	-	6.25%	6 Years
Details As Low As; Model Year: 2026-2023; Based on credit score of 785 and higher; minimum 6-year loan amount $15,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Non-Titled Motorcycle, Snowmobile, Jet Ski, Utility Trailer Loan	-	6.25%	5 Years
Details As Low As; Model Year: 2022-2020; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Non-Titled Motorcycle, Snowmobile, Jet Ski, Utility Trailer Loan	-	6.50%	3 Years
Details As Low As; Model Year: 2019-2016; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Boat, Camper, and Motor Home Loan	-	6.75%	7 Years
Details As Low As; Model Year: 2026-2023; Minimum loan amount $25,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Boat, Camper, and Motor Home Loan	-	7.25%	7 Years
Details As Low As; Model Year: 2022-2019; Minimum loan amount $25,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Boat, Camper, and Motor Home Loan	-	7.50%	10 Years
Details As Low As; Model Year: 2026-2023; Minimum loan amount $35,000 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Boat, Camper, and Motor Home Loan	-	7.50%	5 Years
Details As Low As; Model Year: 2018-2015 Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Boat, Camper, and Motor Home Loan	-	8.25%	15 Years
Details As Low As; Model Year: 2026-2023; Minimum loan amount $50,000 (campers and motor homes only) Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Maine Family Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loans	9.50%	1 Year
Details As Low As; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Unsecured Personal Loans	10.00%	2 Years
Details As Low As; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Unsecured Personal Loans	10.50%	3 Years
Details As Low As; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Unsecured Personal Loans	11.50%	4 Years
Details As Low As; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Unsecured Personal Loans	12.50%	5 Years
Details As Low As; Based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Maine Family Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Consumer Loan	-	-	6.50%	6 Years
Details As Low As; Loan Amount: $20,000 to $49,999; Maximum Term Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Consumer Loan	-	-	6.00%	5 Years
Details As Low As; Loan Amount: $10,000 to $19,999; Maximum Term Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Consumer Loan	-	-	5.50%	4 Years
Details As Low As; Loan Amount: $6,000 to $9,999; Maximum Term Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Consumer Loan	-	-	5.50%	3 Years
Details As Low As; Loan Amount: $3,000 to $5,999; Maximum Term Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Consumer Loan	-	-	5.50%	2 Years
Details As Low As; Loan Amount: $500 to $2,999; Maximum Term Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Consumer Loan	-	-	5.25%	6 Months - 12 Months
Details Minimum Loan Amount: $500; Maximum Loan Amount: $1,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Energy Efficiency Loan	-	-	7.00%	Up to 60 Months
Details Maximum loan amount: $10,000; Energy Efficiency & Fuel Loans; APR based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Home Fuel Loan	-	-	5.00%	18 Months
Details Maximum loan amount: $3,500; Energy Efficiency & Fuel Loans; APR based on credit score of 785 and higher Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Lifestyle Line of Credit	-	-	9.75%	Revolving
Details Rate: Prime + 3.00%; Monthly payment: 2.00% of the outstanding balance, or $100.00, whichever is greater; Credit score of 635 and higher needed to qualify Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Second Mortgages	7.00%	-	7.00%	11 Years - 15 Years
Details Loan-to-Value: 85%; Rates effective as of 10/6/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.03% → 7.00% ▼ 0.03 pts · high 7.03% / low 7.00% Oct 12, 20267.00%▼ from 7.03% Sep 16, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Second Mortgages - 1 Year - 5 Years (80% Loan-to-Value)	6.375%	-	6.461%	1 Year
Details Loan-to-Value: 80% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.46% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Second Mortgages - 1 Year - 5 Years (85% Loan-to-Value)	6.875%	-	6.961%	1 Year
Details Loan-to-Value: 85% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.96% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Second Mortgages - 11 Years - 15 Years (80% Loan-to-Value)	6.50%	-	6.533%	11 Years
Details Loan-to-Value: 80% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.53% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Second Mortgages - 11 Years - 15 Years (85% Loan-to-Value)	7.00%	-	7.033%	11 Years
Details Loan-to-Value: 85% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.03% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Second Mortgages - 6 Years - 10 years (80% Loan-to-Value)	6.375%	-	6.421%	6 Years
Details Loan-to-Value: 80% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.42% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Second Mortgages - 6 Years - 10 years (85% Loan-to-Value)	6.875%	-	6.921%	6 Years
Details Loan-to-Value: 85% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.92% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
IRA Variable	2.47%	-	2.50%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
IRA Variable	2.47%	-	2.50%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
IRA Variable	2.47%	-	2.50%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
IRA Variable	2.47%	-	2.50%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Shares	0.05%	-	0.05%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
Youth Accounts	0.05%	-	0.05%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

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

Maine Family Federal Credit Union’s Texas Ratio stayed near 1.27% in Q3 2023 to 1.43% 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	$288M	1.43%	5.0	A+
March 31, 2026	$286M	0.94%	5.0	A+
December 31, 2025	$282M	0.56%	5.0	A+
September 30, 2025	$278M	1.36%	5.0	A+
June 30, 2025	$272M	0.58%	5.0	A+
March 31, 2025	$269M	0.71%	5.0	A+
December 31, 2024	$256M	1.00%	5.0	A+
September 30, 2024	$253M	1.03%	5.0	A+
June 30, 2024	$250M	0.57%	5.0	A+
March 31, 2024	$250M	0.79%	5.0	A+
December 31, 2023	$242M	1.05%	5.0	A+
September 30, 2023	$244M	1.27%	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 Maine Family 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 Maine Family 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 Maine Family Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Maine Family Federal Credit Union

Website https://www.mainefamilyfcu.com

Address 555 Sabattus St, Lewiston, ME 04240

Phone 207-783-2071

Fax 207-795-0106

President Christopher Hodgkins

CEO Daniel Clarke

Full-Time Employees 43

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

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

1.43%

Return on Assets (ROA)

0.3053%

Return on Equity (ROE)

3.4741%

Non-Performing Loans Ratio (NPL)

0.27%

Total Assets

288,181,370

Total Amount of Shares and Deposits

262,187,928

Total Shares and Deposits < 1 Year

248,039,270

Total Shares and Deposits 1 3 Years

11,584,993

Total Shares and Deposits > 3 Years

2,563,665

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

8,063,859

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

8,063,859

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

254,124,069

Total Interest Expense (Sum of items 6 8)

1,936,623

Share Certificates

1,817

Number of Accounts for Share Drafts

12,659

IRA KEOGH Accounts

874

Number of Accounts for Regular Shares

22,304

All other shares

701

Money Market Shares

1,253

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

879,953

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)

43,056,447

Total Liabilities

263,108,718

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Maine Family Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Maine Family Federal Credit Union

How many branches does Maine Family Federal Credit Union operate?

Maine Family 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 Maine Family Federal Credit Union?

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

Does Maine Family Federal Credit Union offer online and mobile banking?

Most modern institutions like Maine Family 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.mainefamilyfcu.com.

Current Maine Family Federal Credit Union Rates

12-Month CD4.30%
24-Month CD4.40%
60-Month CD4.50%
Savings2.00%
MMA3.66%

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

Compare to Other Credit Unions

Maine Family Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Maine Family Federal Credit Union Texas Ratio

Maine Family Federal Credit Union Health Trend

Maine Family Federal Credit Union CD Rates

Maine Family Federal Credit Union Savings Rates

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Maine Family Federal Credit Union Home Equity & HELOC

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Maine Family Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Maine Family Federal Credit Union

How many branches does Maine Family Federal Credit Union operate?

Is a member application needed to join Maine Family Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Maine Family Federal Credit Union offer online and mobile banking?

Current Maine Family Federal Credit Union Rates

Compare to Other Credit Unions