What are the current interest rates at New Dimensions Federal Credit Union?

Current rates for New Dimensions Federal Credit Union include: 12-Month CD: 3.82%, 18-Month CD: 3.71%, 24-Month CD: 3.71%, 60-Month CD: 3.09%, Savings: 0.05%

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New Dimensions Federal Credit Union

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New Dimensions Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, New Dimensions 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: September 21, 2026

New Dimensions Federal Credit Union's 12 Month CDs rates are at 3.82%, IRA CDs 12 month rates are at 3.82%, 18 Month CDs rates are at 3.71%, 24 Month CDs rates are at 3.71%, IRA CDs 18 month rates are at 3.71%. New Dimensions Federal Credit Union's savings rates are at 0.05%. New Dimensions Federal Credit Union's Personal Loan Rates are as low as 9.80%. MonitorBankRates evaluates the financial stability of New Dimensions Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.17%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.17%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

New Dimensions Federal Credit Union
Main Office

94 Silver St
Waterville, ME 04901

https://newdimensionsfcu.com

New Dimensions Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificates	3.75%	3.82%	12 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
IRA Share Certificates 12 month	3.75%	3.82%	12 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
18 Month Share Certificates	3.65%	3.71%	18 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
24 Month Share Certificates	3.65%	3.71%	24 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
IRA Share Certificates 18 month	3.65%	3.71%	18 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
IRA Share Certificates 24 month	3.65%	3.71%	24 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
36 Month Share Certificates	3.50%	3.56%	36 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
6 Month Share Certificates	3.50%	3.56%	6 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
IRA Share Certificates 36 month	3.50%	3.56%	36 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
IRA Share Certificates 6 month	3.50%	3.56%	6 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
48 Month Share Certificates	3.30%	3.35%	48 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
IRA Share Certificates 48 month	3.30%	3.35%	48 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
60 Month Share Certificates	3.05%	3.09%	60 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
IRA Share Certificates 60 month	3.05%	3.09%	60 months
Min Deposit $1,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%

New Dimensions Federal Credit Union Savings Rates

Product	Rate	APY
Certificate Savings Account (CSA)	0.80%	0.80%
Min Balance $50,000 Details Balance: $50,000 or More Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Certificate Savings Account (CSA)	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Jumbo Certificate Savings Account (CSA)	0.30%	0.30%
Min Balance $100 Details Balance: $100 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Certificate Savings Account (CSA)	0.20%	0.20%
Min Balance $100 Details Balance: $100 to $2,499 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Certificate Savings Account (CSA)	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Club Savings	0.05%	0.05%
Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Health Savings Account	0.05%	0.05%
Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Regular Savings	0.05%	0.05%
Min Deposit $25 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%

New Dimensions Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC) Special	-	-	5.25%	Revolving
Details Introductory period of 6 months. Fixed rate of 5.25% APR* during introductory period. After introductory period, rate adjusts quarterly to Prime minus .50% for the life of the loan. As of 07/01/26, the Prime rate is 6.75% APR. Minimum credit line is $5,000. HELOC minimum monthly payment will be the greatest of: (i) 1.00% of the line's balance at the last advance, (ii) the amount of accrued finance charges, or (iii) $50. Minimum draw (or advance) amount of $500 at all times. Payments quoted above do not include taxes and/or insurance premiums. Third Party Fees: You may have to pay certain fees to third parties. AVM fee $165.00 or Appraisal fee $775.00-875.00; Flood Service fees $18.00; Recording fees $40.00; Title Service fees $150.00; UCC fees $42.00-$54.00. All third-party fees generally total between $373.00 and $1,137.00. If you ask, we will give you an itemization of third-party fees, other fees that may be applicable are: Stop payment charge $25.00; Late charge $20.00; Returned Check Charge $25.00. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Home Equity Fixed Rate Equity	-	-	8.29%	10 years
Details We will lend up to 80% of the appraised value of your home, minus the first mortgage or 90% LTV if New Dimensions FCU is the first lienholder. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Home Equity Signature Equity - Home Improvement Loan	-	-	9.80%	10 years
Details We will lend up to 80% of the appraised value of your home, minus the first mortgage or 90% LTV if New Dimensions FCU is the first lienholder. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%

New Dimensions Federal Credit Union Personal Loan Rates

Product	APR	Term
Home Equity Signature Equity - Home Improvement Loan	9.80%	10 years
Details We will lend up to 80% of the appraised value of your home, minus the first mortgage or 90% LTV if New Dimensions FCU is the first lienholder. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Personal/Signature Loans	12.24%	Up to 60 months
Details As low as; Maximum loan amount is $30,000. Certain restrictions may apply. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%

New Dimensions Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Energy Loans	-	-	7.75%	Up to 60 months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
FICO Fit Loan (Credit Builder or Re-Builder)	-	-	9.25%	Up to 12 Months
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
New Manufactured Home (located on leased land) Loan	6.99%	-	7.00%	10 years
Details Purchase or Refinance 90% LTV Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
New Manufactured Home (located on leased land) Loan	7.25%	-	7.25%	15 years
Details Purchase or Refinance 90% LTV Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
New Manufactured Home (located on leased land) Loan	7.50%	-	7.50%	20 years
Details Purchase or Refinance 90% LTV Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Used Manufactured Home (located on leased land) Loan	7.99%	-	8.00%	10 years
Details Purchase or Refinance 85% LTV Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Used Manufactured Home (located on leased land) Loan	8.25%	-	8.25%	15 years
Details Purchase or Refinance 85% LTV Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Used Manufactured Home (located on leased land) Loan	8.50%	-	8.50%	20 years
Details Purchase or Refinance 85% LTV Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Coverdell Education Savings Account	0.05%	-	0.05%
Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Monty Moose	-	-	3.82%	12 months
Min Deposit $500 Details Age: 0-11 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Roth IRA	0.05%	-	0.05%
Min Deposit $0 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Take Charge	-	-	3.82%	12 months
Min Deposit $500 Details Age: 12-17 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
Traditional IRA	0.05%	-	0.05%
Min Deposit $0 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%

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

New Dimensions Federal Credit Union’s Texas Ratio rose from 9.69% in Q2 2023 to 11.17% in Q1 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
March 31, 2026	$241M	11.17%	5.0	A
December 31, 2025	$237M	14.36%	5.0	A-
September 30, 2025	$229M	11.69%	5.0	A
June 30, 2025	$220M	15.15%	5.0	A-
March 31, 2025	$213M	16.67%	4.9	A-
December 31, 2024	$209M	19.49%	4.6	B
September 30, 2024	$210M	18.77%	4.7	B+
June 30, 2024	$211M	16.77%	4.9	A-
March 31, 2024	$214M	13.52%	5.0	A
December 31, 2023	$213M	19.46%	4.6	B
September 30, 2023	$212M	15.06%	5.0	A-
June 30, 2023	$212M	9.69%	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 New Dimensions 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 New Dimensions 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 New Dimensions Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name New Dimensions Federal Credit Union

Website https://newdimensionsfcu.com

Address 94 Silver St, Waterville, ME 04901

Phone 207-872-2771

Fax

President Larry Genest

CEO Ryan Poulin

Full-Time Employees 56

Part-Time Employees 0

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.17%

Return on Assets (ROA)

0.0829%

Return on Equity (ROE)

1.0590%

Non-Performing Loans Ratio (NPL)

1.16%

Total Assets

241,368,734

Total Amount of Shares and Deposits

209,159,074

Total Shares and Deposits < 1 Year

202,375,369

Total Shares and Deposits 1 3 Years

5,507,295

Total Shares and Deposits > 3 Years

1,276,410

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

3,787,878

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

3,798,559

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

205,360,515

Total Interest Expense (Sum of items 6 8)

959,611

Share Certificates

1,151

Number of Accounts for Share Drafts

8,244

IRA KEOGH Accounts

676

Number of Accounts for Regular Shares

19,578

All other shares

189

Non Member Deposits

Money Market Shares

558

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)

4,060,759

Total Liabilities

222,873,140

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

New Dimensions Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About New Dimensions Federal Credit Union

How many branches does New Dimensions Federal Credit Union operate?

New Dimensions 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 New Dimensions Federal Credit Union?

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

Does New Dimensions Federal Credit Union offer online and mobile banking?

Most modern institutions like New Dimensions 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://newdimensionsfcu.com.