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Midcoast Federal Credit Union

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Midcoast Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Midcoast Federal Credit Union?

Current rates for Midcoast Federal Credit Union include: 12-Month CD: 3.33%, 18-Month CD: 3.45%, 24-Month CD: 3.58%, 60-Month CD: 3.76%, Savings: 0.05%, MMA: 2.25%

Q: What CD terms does Midcoast Federal Credit Union offer?

Midcoast Federal Credit Union CD rates are 3.75% APY for a 5 month CD, 3.33% APY for a 12 month CD, 3.45% APY for an 18 month CD, 3.58% APY for a 2 year CD, 3.68% APY for a 3 year CD, 3.72% APY for a 4 year CD and 3.76% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Midcoast Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Midcoast Federal Credit Union's 5 Year CD rates are at 3.76%, 5 Month CD rates are at 3.75%, 4 Year CD rates are at 3.72%, 3 Year CD rates are at 3.68%, 2 Year CD rates are at 3.58%. Midcoast Federal Credit Union's savings rates are at 0.05%. Midcoast Federal Credit Union's money market rates are at 2.25%. Midcoast Federal Credit Union's checking rates are as high as 4.01%. Midcoast Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.24%. Midcoast Federal Credit Union's Credit Card Rates are at 12.99%. Midcoast Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Midcoast Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.84%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 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

2.84%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Midcoast Federal Credit Union
Freeport Office

186 Lower Main St
Freeport, ME 04032

https://www.midcoastfcu.me/

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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.

Midcoast Federal Credit Union CD Rates

Product	Rate	APY	Term
5 Year IRA Certificate	3.70%	3.76%	5 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
5 Year Share Certificate	3.70%	3.76%	5 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
5 Month IRA Certificate	3.69%	3.75%	5 Months
Details Special; requires active Midcoast account relationship, otherwise Special APY is 0.25% less for the stated term Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
5 Month Share Certificate	3.69%	3.75%	5 Months
Details Special; requires active Midcoast account relationship, otherwise Special APY is 0.25% less for the stated term Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
4 Year IRA Certificate	3.66%	3.72%	4 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.72% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
4 Year Share Certificate	3.66%	3.72%	4 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.72% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
3 Year IRA Certificate	3.62%	3.68%	3 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.68% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
3 Year Share Certificate	3.62%	3.68%	3 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.68% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
2 Year IRA Certificate	3.52%	3.58%	2 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.58% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
2 Year Share Certificate	3.52%	3.58%	2 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.58% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
10 Month IRA Certificate	3.44%	3.50%	10 Months
Details Special; requires active Midcoast account relationship, otherwise Special APY is 0.25% less for the stated term Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
10 Month Share Certificate	3.44%	3.50%	10 Months
Details Special; requires active Midcoast account relationship, otherwise Special APY is 0.25% less for the stated term Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
18 Month IRA Certificate	3.40%	3.45%	18 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
18 Month Share Certificate	3.40%	3.45%	18 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
1 Year IRA Certificate	3.28%	3.33%	1 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.33% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
1 Year Share Certificate	3.28%	3.33%	1 Year
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.33% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
6 Month IRA Certificate	3.09%	3.13%	6 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
6 Month Share Certificate	3.09%	3.13%	6 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	0.05%	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Member Savings	0.05%	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Special Purpose Savings	0.05%	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Sprout Savings	0.05%	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Thrive Savings	0.05%	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Youth Special Purpose Savings	0.05%	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Impact Business Savings	0.05%	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union Money Market Rates

Product	Rate	APY
Peak Money Market	2.23%	2.25%
Min Balance $500,000 Details Balance: $500,000.01 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Peak Money Market	1.99%	2.01%
Min Balance $250,000 Details Balance: $250,000.01 - $500,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Peak Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Peak Money Market	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Peak Money Market	1.01%	1.01%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Peak Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500.00 - $25,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union Checking Rates

Product	Rate	APY
High Yield Checking	3.94%	4.01%
Details Balance: Under $15,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 0.05% → 4.01% ▲ 3.96 pts · high 4.01% / low 0.05% Oct 13, 20264.01%▲ from 3.00% Oct 9, 20263.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Coast Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Compass Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Impact Business Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC Advantage Plus	-	-	7.00%
Details As Low As; Maximum Combined Loan to Value: 80%; APR Variable, Index: Prime Rate as published in the Wall Street Journal; Margin as low as 0.00%; APR Adjustment Cycle: Monthly; Draw Period: First 10 Years; Repayment: Interest Only for first 10 years followed by a 20 year amortization; Minimum Loan Amount: $20,000; Property Type: Primary Residence and Second Homes Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 2, 20267.00%▲ from 6.75% Sep 25, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
HeLOCK HELOC	-	-	7.00%
Details As Low As; Maximum Combined Loan to Value: 80%; Interest Rate: Fixed; Draw Period: First 5 Years; Repayment: Interest Only for first 5 years followed by a 15 year amortization; Minimum Loan Amount: $20,000; Property Type: Primary Residence and Second Homes; APR fixed and accurate as of August 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
HELOC Advantage Plus	-	-	7.50%
Details As Low As; Maximum Combined Loan to Value: 90%; APR Variable, Index: Prime Rate as published in the Wall Street Journal; Margin as low as 0.50%; APR Adjustment Cycle: Monthly; Draw Period: First 10 Years; Repayment: Interest Only for first 10 years followed by a 20 year amortization; Minimum Loan Amount: $20,000; Property Type: Primary Residence and Second Homes Last Updated 10/29/2026 Rate History 1 change since Sep 25, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 2, 20267.50%▲ from 7.25% Sep 25, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
HeLOCK HELOC	-	-	7.50%
Details As Low As; Maximum Combined Loan to Value: 90%; Interest Rate: Fixed; Draw Period: First 5 Years; Repayment: Interest Only for first 5 years followed by a 15 year amortization; Minimum Loan Amount: $20,000; Property Type: Primary Residence and Second Homes; APR fixed and accurate as of August 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Autos, Motorcycles, Light Duty Trucks, and Recreational Boats - 1 Year	-	-	4.49%	1 year
Details As Low As; Minimum Loan Amount: $1,000; Monthly Payment per $1000: $85.38; Interest rates apply to titled non-commercial passenger vehicles (new and used, up to 10 model years old) and non-titled recreation boats up to 10 model years old; APR accurate as of June 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Autos, Motorcycles, Light Duty Trucks, and Recreational Boats - 2 Year	-	-	5.24%	2 years
Details As Low As; Minimum Loan Amount: $2,000; Monthly Payment per $1000: $43.98; Interest rates apply to titled non-commercial passenger vehicles (new and used, up to 10 model years old) and non-titled recreation boats up to 10 model years old; APR accurate as of June 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Autos, Motorcycles, Light Duty Trucks, and Recreational Boats - 3 Year	-	-	5.24%	3 years
Details As Low As; Minimum Loan Amount: $3,000; Monthly Payment per $1000: $30.08; Interest rates apply to titled non-commercial passenger vehicles (new and used, up to 10 model years old) and non-titled recreation boats up to 10 model years old; APR accurate as of June 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Autos, Motorcycles, Light Duty Trucks, and Recreational Boats - 4 Year	-	-	5.74%	4 years
Details As Low As; Minimum Loan Amount: $5,000; Monthly Payment per $1000: $23.37; Interest rates apply to titled non-commercial passenger vehicles (new and used, up to 10 model years old) and non-titled recreation boats up to 10 model years old; APR accurate as of June 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Autos, Motorcycles, Light Duty Trucks, and Recreational Boats - 5 Year	-	-	5.74%	5 years
Details As Low As; Minimum Loan Amount: $7,500; Monthly Payment per $1000: $19.22; Interest rates apply to titled non-commercial passenger vehicles (new and used, up to 10 model years old) and non-titled recreation boats up to 10 model years old; APR accurate as of June 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Autos, Motorcycles, Light Duty Trucks, and Recreational Boats - 6 Year	-	-	6.24%	6 years
Details As Low As; Minimum Loan Amount: $12,500; Monthly Payment per $1000: $16.69; Interest rates apply to titled non-commercial passenger vehicles (new and used, up to 10 model years old) and non-titled recreation boats up to 10 model years old; APR accurate as of June 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Autos, Motorcycles, Light Duty Trucks, and Recreational Boats - 7 Year	-	-	6.24%	7 years
Details As Low As; Minimum Loan Amount: $25,000; Monthly Payment per $1000: $14.73; Interest rates apply to titled non-commercial passenger vehicles (new and used, up to 10 model years old) and non-titled recreation boats up to 10 model years old; APR accurate as of June 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	-	6.24%	1 year
Details As Low As; Minimum Loan Amount: $300; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	-	6.99%	2 years
Details As Low As; Minimum Loan Amount: $2,000; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	-	6.99%	3 years
Details As Low As; Minimum Loan Amount: $3,000; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	-	7.49%	4 years
Details As Low As; Minimum Loan Amount: $5,000; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	-	7.49%	5 years
Details As Low As; Minimum Loan Amount: $7,500; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	-	7.99%	6 years
Details As Low As; Minimum Loan Amount: $12,500; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	-	7.99%	7 years
Details As Low As; Minimum Loan Amount: $17,500; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union Credit Card Rates

Product	Rate	APR
BASICS Visa	-	12.99%
Details APR range 12.99% - 17.99% based on creditworthiness at account opening (purchases, balance transfers, and cash advances); Fixed APR per footnote; No Annual Fee; Cash advance transaction fee 3% of advance amount Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 12.99% → 12.99% ▼ 0.00 pts · high 17.99% / low 12.99% Oct 5, 202612.99%▼ from 17.99% Sep 25, 202617.99%▲ from 12.99% Sep 18, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
LOCAL REWARDS Visa BASICS Visa	-	13.74%
Details As Low As; APR range 13.74% to 17.99% for purchases, balance transfers and cash advances; variable Prime Rate plus margin based on creditworthiness; No Annual Fee; Cash advance transaction fee 3% of advance amount; Regular APR: 13.74% to 17.99% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 13.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union Personal Loan Rates

Product	APR	Term
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	6.24%	1 year
Details As Low As; Minimum Loan Amount: $300; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	6.99%	2 years
Details As Low As; Minimum Loan Amount: $2,000; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	6.99%	3 years
Details As Low As; Minimum Loan Amount: $3,000; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	7.49%	4 years
Details As Low As; Minimum Loan Amount: $5,000; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	7.49%	5 years
Details As Low As; Minimum Loan Amount: $7,500; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	7.99%	6 years
Details As Low As; Minimum Loan Amount: $12,500; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan	7.99%	7 years
Details As Low As; Minimum Loan Amount: $17,500; Interest rates apply to loans secured by non-titled personal recreational collateral and other chattel. Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Personal Line of Credit	12.00%
Details As Low As; Current APR as low as 12.000%; APR Variable, based on Prime Rate as published in the Wall Street Journal plus margin; Margin as low as 5.00%; APR adjustment cycle Monthly; Minimum payment is 2.5% of the balance or $50.00, whichever is greater; Minimum line amount $500.00; Maximum line amount $25,000; Minimum transfer amount $100.00; Uses: Overdraft Protection, Vacation, Emergencies, and more Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 12.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Midcoast Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Traditional and Roth Individual Retirement Accounts	0.30%	-	0.30%
Min Balance $0 Details Balance: $0.00 - $10,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Traditional and Roth Individual Retirement Accounts	0.35%	-	0.35%
Min Balance $10,000 Details Balance: $10,000.01 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

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

Midcoast Federal Credit Union’s Texas Ratio rose from 2.16% in Q3 2023 to 2.84% 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	$267M	2.84%	5.0	A+
March 31, 2026	$267M	1.44%	5.0	A+
December 31, 2025	$267M	2.40%	5.0	A+
September 30, 2025	$265M	1.63%	5.0	A+
June 30, 2025	$265M	1.95%	5.0	A+
March 31, 2025	$263M	1.92%	5.0	A+
December 31, 2024	$258M	1.70%	5.0	A+
September 30, 2024	$261M	1.91%	5.0	A+
June 30, 2024	$255M	2.04%	5.0	A+
March 31, 2024	$257M	1.25%	5.0	A+
December 31, 2023	$257M	1.49%	5.0	A+
September 30, 2023	$259M	2.16%	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 Midcoast 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 Midcoast 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 Midcoast Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Midcoast Federal Credit Union

Website https://www.midcoastfcu.me/

Address 186 Lower Main St, Freeport, ME 04032

Phone 207-865-4443

Fax 207-865-0876

President Richard Hart

CEO Joseph Gervais

Full-Time Employees 76

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

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

2.84%

Return on Assets (ROA)

0.1535%

Return on Equity (ROE)

1.3815%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

267,088,092

Total Amount of Shares and Deposits

235,731,244

Total Shares and Deposits < 1 Year

232,454,738

Total Shares and Deposits 1 3 Years

1,991,163

Total Shares and Deposits > 3 Years

1,285,345

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

12,868,328

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

12,868,328

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

222,862,916

Total Interest Expense (Sum of items 6 8)

1,400,599

Share Certificates

1,631

Number of Accounts for Share Drafts

11,182

IRA KEOGH Accounts

732

Number of Accounts for Regular Shares

22,433

All other shares

184

Non Member Deposits

Money Market Shares

1,053

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)

3,211,522

Total Liabilities

239,844,493

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Midcoast Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Frequently Asked Questions About Midcoast Federal Credit Union

Does Midcoast Federal Credit Union offer CDs?

Yes. Midcoast Federal Credit Union current CD rates include its 5 Year CD at 3.76% APY, its 5 Month CD at 3.75% APY and its 4 Year CD at 3.72% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Midcoast Federal Credit Union NCUA insured?

Yes. Midcoast 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 Midcoast Federal Credit Union?

The highest Midcoast Federal Credit Union CD rate is its 5 Year IRA CD at 3.76% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Midcoast Federal Credit Union offer?

Midcoast Federal Credit Union CD rates are 3.75% APY for a 5 month CD, 3.33% APY for a 12 month CD, 3.45% APY for an 18 month CD, 3.58% APY for a 2 year CD, 3.68% APY for a 3 year CD, 3.72% APY for a 4 year CD and 3.76% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Midcoast Federal Credit Union for its full lineup.

What is the highest savings rate at Midcoast Federal Credit Union?

The highest Midcoast Federal Credit Union savings rate is its Health Savings Account at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Midcoast Federal Credit Union?

The highest Midcoast Federal Credit Union money market rate is its Peak Money Market at 2.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Midcoast Federal Credit Union?

The highest Midcoast Federal Credit Union checking rate is its High Yield Checking at 4.01% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Midcoast Federal Credit Union?

The lowest Midcoast Federal Credit Union auto loan rate is its Autos, Motorcycles, Light Duty Trucks, and Recreational Boats - 1 Year at 4.49% APR, verified by MonitorBankRates as of October 29, 2026. Midcoast Federal Credit Union auto loan rates are 4.49% APR for a 12 month auto loan, 5.24% APR for a 24 month auto loan, 5.24% APR for a 36 month auto loan, 5.74% APR for a 48 month auto loan, 5.74% APR for a 60 month auto loan, 6.24% APR for a 72 month auto loan and 6.24% APR for an 84 month auto loan.

What is the lowest personal loan rate at Midcoast Federal Credit Union?

The lowest Midcoast Federal Credit Union personal loan rate is its Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan at 6.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Midcoast Federal Credit Union?

The lowest Midcoast Federal Credit Union credit card APR is its BASICS Visa Credit Card at 12.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Midcoast Federal Credit Union operate?

Midcoast 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 Midcoast Federal Credit Union?

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

Does Midcoast Federal Credit Union offer online and mobile banking?

Most modern institutions like Midcoast 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.midcoastfcu.me/.

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 Midcoast Federal Credit Union rates compare?

Midcoast Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. Midcoast Federal Credit Union's top rates are its 5 Year IRA CD at 3.76% APY, its Health Savings Account at 0.05% APY, its Peak Money Market at 2.25% APY, its High Yield Checking at 4.01% APY, its Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers Loan at 6.24% APR and its BASICS Visa Credit Card at 12.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Midcoast Federal Credit Union Rates

12-Month CD3.33%
18-Month CD3.45%
24-Month CD3.58%
60-Month CD3.76%
Savings0.05%
MMA2.25%

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

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Midcoast Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Midcoast Federal Credit Union Texas Ratio

Midcoast Federal Credit Union Health Trend

Midcoast Federal Credit Union CD Rates

Midcoast Federal Credit Union Savings Rates

Midcoast Federal Credit Union Business Savings Rates

Midcoast Federal Credit Union Money Market Rates

Midcoast Federal Credit Union Checking Rates

Midcoast Federal Credit Union Business Checking Rates

Midcoast Federal Credit Union Home Equity & HELOC

Midcoast Federal Credit Union Auto Loan Rates

Midcoast Federal Credit Union RV, Boat and Powersport Loan Rates

Midcoast Federal Credit Union Credit Card Rates

Midcoast Federal Credit Union Personal Loan Rates

Midcoast Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Midcoast Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Midcoast Federal Credit Union

Does Midcoast Federal Credit Union offer CDs?

Are CDs from Midcoast Federal Credit Union NCUA insured?

What is the highest CD rate at Midcoast Federal Credit Union?

What CD terms does Midcoast Federal Credit Union offer?

What is the highest savings rate at Midcoast Federal Credit Union?

What is the highest money market rate at Midcoast Federal Credit Union?

What is the highest checking rate at Midcoast Federal Credit Union?

What is the lowest auto loan rate at Midcoast Federal Credit Union?

What is the lowest personal loan rate at Midcoast Federal Credit Union?

What is the lowest credit card APR at Midcoast Federal Credit Union?

How many branches does Midcoast Federal Credit Union operate?

Is a member application needed to join Midcoast Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Midcoast Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Midcoast Federal Credit Union rates compare?

Current Midcoast Federal Credit Union Rates

Compare to Other Credit Unions