What are the current interest rates at Maine State Credit Union?

Current rates for Maine State Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.50%, 24-Month CD: 3.45%, 60-Month CD: 3.15%, Savings: 2.60%

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Maine State Credit Union

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Maine State Credit Union Rates & Review October 2026

Q: How many branches does Maine State Credit Union operate?

Maine State 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.

Q: Is a member application needed to join Maine State Credit Union?

Yes, to access services at Maine State 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Maine State 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 9, 2026

Maine State Credit Union's top rates as of October 9, 2026 are 3.50% APY on its 1 Year IRA/Roth IRA CD, 2.60% APY on savings, 3.50% APY on checking, 6.12% on its Conventional Fixed-Rate Loan - 10-Year Loan mortgage, personal loans from 10.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Maine State Credit Union CD rates include 1 Year CD at 3.50%, 18 Month IRA/Roth IRA CD at 3.50%, and 18 Month CD at 3.50%. Other Maine State Credit Union mortgage rates include Conventional Fixed-Rate Loan - 15-Year Loan at 6.38%, Conventional Fixed-Rate Loan - 20-Year Loan at 6.50%, and Conventional Fixed-Rate Loan - 30-Year Loan at 6.75%. MonitorBankRates evaluates the financial stability of Maine State Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.92%. Rates last updated and verified on 10/09/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.92%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Maine State Credit Union
Capitol Street

200 Capitol St
Augusta, ME 04330-6238

https://www.mainestatecu.org

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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 State Credit Union CD Rates

Product	Rate	APY	Term
1 Year IRA/Roth IRA Certificate	3.445%	3.50%	1-Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
1 Year Share Certificate	3.445%	3.50%	1-Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
18 Month IRA/Roth IRA Certificate	3.445%	3.50%	18-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
18 Month Share Certificate	3.445%	3.50%	18-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
3 Month IRA/Roth IRA Certificate	3.445%	3.50%	3-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
3 Month Share Certificate	3.445%	3.50%	3-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
2 Year IRA/Roth IRA Certificate	3.397%	3.45%	2-Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
2 Year Share Certificate	3.397%	3.45%	2-Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
6 Month IRA/Roth IRA Certificate	3.30%	3.35%	6-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
6 Month Share Certificate	3.30%	3.35%	6-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
3 Year IRA/Roth IRA Certificate	3.203%	3.25%	3-Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
3 Year Share Certificate	3.203%	3.25%	3-Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
4 Year IRA/Roth IRA Certificate	3.203%	3.25%	4-Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
4 Year Share Certificate	3.203%	3.25%	4-Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
5 Year IRA/Roth IRA Certificate	3.105%	3.15%	5-Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
5 Year Share Certificate	3.105%	3.15%	5-Year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Maine State Credit Union Savings Rates

Product	Rate	APY
Advantage Savings	2.57%	2.60%
Min Balance $250,000 Details Balance: Minimum Balance $250,000.01 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Advantage Savings	1.785%	1.80%
Min Balance $100,000 Details Balance: Minimum Balance $100,000.01 - $250,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.90% → 1.80% ▼ 0.10 pts · high 1.90% / low 1.80% Oct 9, 20261.80%▼ from 1.90% Sep 18, 20261.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Advantage Savings	1.49%	1.50%
Min Balance $50,000 Details Balance: Minimum Balance $50,000.01 - $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.65% → 1.50% ▼ 0.15 pts · high 1.65% / low 1.50% Oct 9, 20261.50%▼ from 1.65% Sep 18, 20261.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Advantage Savings	1.094%	1.10%
Min Balance $25,000 Details Balance: Minimum Balance $25,000.01 - $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 1.10% ▼ 0.15 pts · high 1.25% / low 1.10% Oct 9, 20261.10%▼ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Advantage Savings	0.847%	0.85%
Min Balance $2,000 Details Balance: Minimum Balance $2,000 - $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Health Savings Account (HSA)	0.747%	0.75%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Roth IRA (Share Savings)	0.747%	0.75%
Details IRA / Roth IRA Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Basic Club Savings	0.05%	0.05%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Christmas Club Savings	0.05%	0.05%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Marty Mountain - Kids Savings	0.05%	0.05%
Min Balance $5 Details Minimum Balance $5.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Share Savings	0.05%	0.05%
Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Smart Savings for Teens	0.05%	0.05%
Min Balance $5 Details Minimum Balance $5.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Maine State Credit Union Checking Rates

Product	Rate	APY
Maine Advantage Checking	3.445%	3.50%
Min Balance $500 Details Balance: $500 - $15,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Maine Advantage Checking	0.05%	0.05%
Min Balance $0 Details Balance: All Balances If Qualifications Are Not Met Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Maine State Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed-Rate Loan - 10-Year Loan	6.124%	-	6.247%	10-Year
Details Rate As Low As1; APR2 As Low As; Monthly Payment Per $1,000 Borrowed 3 $11.16 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00% Oct 9, 20266.25%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Conventional Fixed-Rate Loan - 15-Year Loan	6.375%	-	6.462%	15-Year
Details Rate As Low As1; APR2 As Low As; Monthly Payment Per $1,000 Borrowed 3 $8.64 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.21% → 6.46% ▲ 0.25 pts · high 6.46% / low 6.21% Oct 9, 20266.46%▲ from 6.21% Sep 14, 20266.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Conventional Fixed-Rate Loan - 20-Year Loan	6.50%	-	6.57%	20-Year
Details Rate As Low As1; APR2 As Low As; Monthly Payment Per $1,000 Borrowed 3 $7.46 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.32% → 6.57% ▲ 0.25 pts · high 6.57% / low 6.32% Oct 9, 20266.57%▲ from 6.32% Sep 14, 20266.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Conventional Fixed-Rate Loan - 30-Year Loan	6.75%	-	6.804%	30-Year
Details Rate As Low As1; APR2 As Low As; Monthly Payment Per $1,000 Borrowed 3 $6.49 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.55% → 6.80% ▲ 0.25 pts · high 6.80% / low 6.55% Oct 9, 20266.80%▲ from 6.55% Sep 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Maine State Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	-	-	6.50%
Details Rate: Prime Rate 7.00% Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 7.00% / low 6.25% Oct 9, 20266.50%▼ from 7.00% Oct 2, 20267.00%▲ from 6.75% Sep 22, 20266.75%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Home Equity Account Type 5-year term	6.75%	-	6.757%	5-year
Details As Low As; Rate as low as 6.750% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.76% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Home Equity Account Type 10-year term	7.00%	-	7.004%	10-year
Details As Low As; Rate as low as 7.000% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Home Equity Account Type 15-year-term	7.25%	-	7.253%	15-year
Details As Low As; Rate as low as 7.250% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Home Equity Line of Credit (HELOC) - Manufactured Homes	7.00%	-	7.50%
Details Rate: Prime Rate Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 2, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Maine State Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.24%	24 Months
Details As Low As; Down payment required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Auto Loans	-	-	4.49%	36 Months
Details As Low As; Down payment required Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Auto Loans	-	-	4.74%	48 Months
Details As Low As; Down payment required Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.69% → 4.74% ▲ 0.05 pts · high 4.74% / low 4.69% Oct 9, 20264.74%▲ from 4.69% Sep 14, 20264.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Auto Loans	-	-	4.99%	60 Months
Details As Low As; Down payment required Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.84% → 4.99% ▲ 0.15 pts · high 4.99% / low 4.84% Oct 9, 20264.99%▲ from 4.84% Sep 14, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Auto Loans	-	-	5.24%	72 Months
Details As Low As; Down payment required Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.15% → 5.24% ▲ 0.09 pts · high 5.24% / low 5.15% Oct 9, 20265.24%▲ from 5.15% Sep 14, 20265.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Auto Loans	-	-	6.24%	84 Months
Details As Low As; Down payment required Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.19% → 6.24% ▲ 0.05 pts · high 6.24% / low 6.19% Oct 9, 20266.24%▲ from 6.19% Sep 14, 20266.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Maine State Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Loans	-	5.35%	36 Months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.35% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Snowmobile Loans	-	5.35%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.35% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Recreational Loans	-	5.49%	48 Months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Snowmobile Loans	-	5.49%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
RV/Travel Trailer Loans	-	5.69%	Up to 60 Months
Details As Low As; Loans greater than $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.69% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
RV/Travel Trailer Loans	-	5.89%	72 Months
Details As Low As; Loans greater than $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.89% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Recreational Loans	-	5.99%	60 Months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
RV/Travel Trailer Loans	-	5.99%	84 Months
Details As Low As; Loans greater than $40,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Snowmobile Loans	-	5.99%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Boat Loans	-	6.24%	60 months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Boat Loans	-	6.49%	72 months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Recreational Loans	-	6.49%	72 Months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
RV/Travel Trailer Loans	-	6.49%	96 - 120 Months
Details As Low As; Loans greater than $40,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Snowmobile Loans	-	6.49%	72 Months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.49% → 6.49% ▼ 0.00 pts · high 6.99% / low 6.49% Sep 22, 20266.49%▼ from 6.99% Sep 18, 20266.99%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Boat Loans	-	6.74%	84 months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Recreational Loans	-	6.99%	84 Months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Snowmobile Loans	-	6.99%	84 Months
Details As Low As Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.99% → 6.99% ▼ 0.00 pts · high 7.49% / low 6.99% Sep 22, 20266.99%▼ from 7.49% Sep 18, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Boat Loans	-	7.49%	96-120 Months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Recreational Loans	-	7.49%	120 Months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
RV/Travel Trailer Loans	-	7.49%	121 - 181 Months
Details As Low As; Loans greater than $70,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Snowmobile Loans	-	7.49%	120 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
RV/Travel Trailer Loans	-	7.99%	180 - 240 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Boat Loans - 50K	-	8.49%	Up to 60 months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Boat Loans - 50K	-	8.74%	72 months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Boat Loans - 50K	-	8.99%	84 months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Boat Loans - 50K	-	9.74%	96-120 Months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Boat Loans - 50K	-	10.24%	121-180 Months
Details As Low As; APR* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Maine State Credit Union Credit Card Rates

Product	Rate	APR
Account Type Smart Rate Visa Card	-	9.90%
Details As Low As; Regular APR: 9.90% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Account Type Elevate Visa Secured Card	-	11.90%
Details As Low As; Regular APR: 11.90% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Account Type Visa Rewards Card	-	14.90%
Details As Low As; Regular APR: 14.90% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Maine State Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.99%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

Maine State Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Land Loan	8.00%	-	8.368%	20-Year
Details Rate as low as; APR1 8.368%* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 8.11% → 8.37% ▲ 0.25 pts · high 8.37% / low 8.11% Oct 9, 20268.37%▲ from 8.11% Sep 18, 20268.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Land Loan	7.875%	-	8.326%	15-Year
Details Rate as low as; APR1 8.326%* Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 8.07% → 8.33% ▲ 0.25 pts · high 8.33% / low 8.07% Oct 9, 20268.33%▲ from 8.07% Sep 18, 20268.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Lawn Mower & Tractor Loans	-	-	5.25%	36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Lawn Mower & Tractor Loans	-	-	5.49%	48 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Lawn Mower & Tractor Loans	-	-	5.74%	60 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Lawn Mower & Tractor Loans	-	-	6.24%	72 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Lawn Mower & Tractor Loans	-	-	6.49%	84 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%
Lawn Mower & Tractor Loans	-	-	7.49%	120 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.92%

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 State Credit Union’s Texas Ratio rose from 4.89% in Q3 2023 to 5.92% in Q2 2026, so its financial health has held steady at a healthy level 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	$806M	5.92%	5.0	A+
March 31, 2026	$788M	6.00%	5.0	A
December 31, 2025	$779M	8.05%	5.0	A
September 30, 2025	$753M	8.62%	5.0	A
June 30, 2025	$752M	8.27%	5.0	A
March 31, 2025	$732M	6.73%	5.0	A
December 31, 2024	$702M	7.27%	5.0	A
September 30, 2024	$678M	6.47%	5.0	A
June 30, 2024	$687M	5.66%	5.0	A+
March 31, 2024	$692M	3.66%	5.0	A+
December 31, 2023	$643M	6.28%	5.0	A
September 30, 2023	$603M	4.89%	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 State 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 State 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 State Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Maine State Credit Union

Website https://www.mainestatecu.org

Address 200 Capitol St, Augusta, ME 04330-6238

Phone 207-623-1851

Fax

President Elizabeth Ouellette

CEO Stephen Wallace

Full-Time Employees 149

Part-Time Employees 3

Branch Locations 5

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+ (97/100)

Texas Ratio

5.92%

Return on Assets (ROA)

0.1320%

Return on Equity (ROE)

1.3489%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

805,906,272

Total Amount of Shares and Deposits

696,456,578

Total Shares and Deposits < 1 Year

660,430,442

Total Shares and Deposits 1 3 Years

32,129,548

Total Shares and Deposits > 3 Years

3,896,588

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

85,773,319

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

85,773,319

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

610,683,259

Total Interest Expense (Sum of items 6 8)

7,472,170

Share Certificates

6,914

Number of Accounts for Share Drafts

19,874

IRA KEOGH Accounts

2,833

Number of Accounts for Regular Shares

44,662

All other shares

1,260

Non Member Deposits

Money Market Shares

2,178

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)

31,009,107

Total Liabilities

735,217,502

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Maine State Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Maine State Credit Union

How many branches does Maine State Credit Union operate?

Maine State 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 State Credit Union?

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

Does Maine State Credit Union offer online and mobile banking?

Most modern institutions like Maine State 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.mainestatecu.org.