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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.
 Maine State Credit Union Rates & Review March 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: March 27, 2026
Maine State Credit Union's 15-Month CD rates are at 3.75%, 6-Month CD rates are at 3.60%, 1-Year CD rates are at 3.50%, 18-Month CD rates are at 3.45%, 2-Year CD rates are at 3.35%. Maine State Credit Union's savings rates are at 0.05%. Maine State Credit Union's Personal Loan Rates are at 3.99%. 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 8.98%. Rates were last updated on 03/27/2026. 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. Maine State Credit Union
Capitol Street 200 Capitol St
https://www.mainestatecu.org Augusta, ME 04330 6238 
Maine State Credit Union CD Rates
Maine State Credit Union Savings Rates
Maine State Credit Union Checking Rates
Maine State Credit Union Home Equity & HELOC
Maine State Credit Union Auto Loan Rates
Maine State Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
Eric Poirier
CEO
Stephen Wallace
Full-Time Employees
135
Part-Time Employees
5
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.98%
Return on Assets (ROA)
0.2910%
Return on Equity (ROE)
2.8197%
Non-Performing Loans Ratio (NPL)
1.26%
Total Assets
753,336,929
Total Amount of Shares and Deposits
666,036,802
Total Shares and Deposits < 1 Year
606,271,757
Total Shares and Deposits 1 3 Years
55,454,747
Total Shares and Deposits > 3 Years
4,310,297
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
77,274,007
Total Uninsured Shares and Deposits > $250K (F+J)
77,274,007
Total Insured Shares and Deposits > $250K (item 17 less item K)
588,762,795
Total Interest Expense (Sum of items 6 8)
10,990,892
Share Certificates
6,885
Number of Accounts for Share Drafts
19,737
IRA KEOGH Accounts
2,825
Number of Accounts for Regular Shares
44,177
All other shares
1,112
Non Member Deposits
5
Money Market Shares
1,686
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
46,806,282
Total Liabilities
684,407,549
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Maine State Credit UnionIs Maine State Credit Union a safe place to deposit money?Yes, Maine State Credit Union is considered a safe financial institution. With a Texas Ratio of 8.9819469639142%, 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 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. Current Maine State Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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