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 Maine Highlands 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 5, 2026
Maine Highlands Federal Credit Union's IRA CDs 48 month rates are at 4.07%, IRA CDs 60 month rates are at 4.07%, CDs 60 month rates are at 4.07%, IRA CDs 12 month rates are at 3.82%, CDs 12 month rates are at 3.82%. Maine Highlands Federal Credit Union's savings rates are at 0.10%. Maine Highlands Federal Credit Union's money market rates are at 1.01%. Maine Highlands Federal Credit Union's Personal Loan Rates are at 12.99%. MonitorBankRates evaluates the financial stability of Maine Highlands Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.03%. Rates were last updated on 04/05/2026. Maine Highlands 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 Highlands Federal Credit Union? Share your experience about Maine Highlands Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Maine Highlands Federal Credit Union. Maine Highlands Federal Credit Union
Main Office Dexter 73 Main St
https://www.mhfcu.com Dexter, ME 04930 
Maine Highlands Federal Credit Union CD Rates
Maine Highlands Federal Credit Union Savings Rates
Maine Highlands Federal Credit Union Money Market Rates
Maine Highlands Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Maine Highlands 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 Highlands 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 Highlands Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Maine Highlands Federal Credit Union
Website
https://www.mhfcu.com
Address
73 Main St,
Dexter, ME 04930
Phone
207-924-5544
Fax
207-924-7527
President
Nicholas Clukey
CEO
Maria Wooten
Full-Time Employees
55
Part-Time Employees
2
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.03%
Return on Assets (ROA)
0.8624%
Return on Equity (ROE)
8.0994%
Non-Performing Loans Ratio (NPL)
2.21%
Total Assets
220,543,721
Total Amount of Shares and Deposits
195,760,738
Total Shares and Deposits < 1 Year
181,905,761
Total Shares and Deposits 1 3 Years
8,553,938
Total Shares and Deposits > 3 Years
5,301,039
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,034,317
Total Uninsured Shares and Deposits > $250K (F+J)
11,034,317
Total Insured Shares and Deposits > $250K (item 17 less item K)
184,726,421
Total Interest Expense (Sum of items 6 8)
2,610,891
Share Certificates
2,127
Number of Accounts for Share Drafts
9,845
IRA KEOGH Accounts
1,194
Number of Accounts for Regular Shares
20,212
All other shares
98
Money Market Shares
139
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
52,304,937
Total Liabilities
196,998,360
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Maine Highlands Federal Credit UnionIs Maine Highlands Federal Credit Union a safe place to deposit money?Yes, Maine Highlands Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 13.032222482258%, 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 Maine Highlands Federal Credit Union operate?Maine Highlands 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 Highlands Federal Credit Union?Yes, to access services at Maine Highlands 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 Highlands 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 Highlands Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Maine Highlands Federal Credit Union offer online and mobile banking?Most modern institutions like Maine Highlands 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.mhfcu.com. Current Maine Highlands Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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