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Oxford Federal Credit Union Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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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.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Oxford Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.98%, 6-month share certificate rates at 1.90% and 3-month share certificate rates at 2.75%. Savings rates are at 0.25% and money market rates are at 0.70%. Mortgage rates on 30-year fixed loans are around 5.61%. All these rates can be compared to Oxford Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Oxford Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.17%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.17%
Excellent Lower than avg
Oxford Federal Credit Union
MAIN OFFICE
225 RIVER RD
MEXICO, ME 04257
https://www.ofcu.org
Member NCUA

Current Rate Availability

We do not have Oxford Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Oxford 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 Oxford 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 Oxford Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Oxford Federal Credit Union
Website https://www.ofcu.org
Address 225 RIVER RD, MEXICO, ME 04257
Phone 207-369-9976
Fax 207-364-8962
President John Walker
CEO Joann Bisson
Full-Time Employees 48
Part-Time Employees 0
Branch Locations 2
ATM Locations 2
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.17%
Return on Assets (ROA)
1.0939%
Return on Equity (ROE)
6.9925%
Non-Performing Loans Ratio (NPL)
0.80%
Total Assets
357,084,613
Total Amount of Shares and Deposits
298,931,151
Total Shares and Deposits < 1 Year
255,178,723
Total Shares and Deposits 1 3 Years
35,130,790
Total Shares and Deposits > 3 Years
8,621,638
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
17,925,647
Total Uninsured Shares and Deposits > $250K (F+J)
17,925,647
Total Insured Shares and Deposits > $250K (item 17 less item K)
281,005,504
Total Interest Expense (Sum of items 6 8)
4,638,504
Share Certificates
2,718
Number of Accounts for Share Drafts
14,024
IRA KEOGH Accounts
1,567
Number of Accounts for Regular Shares
26,258
Money Market Shares
1,362
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
18,888,024
Total Liabilities
301,407,356
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Oxford Federal Credit Union

Is Oxford Federal Credit Union a safe place to deposit money?

Yes, Oxford Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.1680462494525%, 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 Oxford Federal Credit Union operate?

Oxford 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 Oxford Federal Credit Union?

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

Does Oxford Federal Credit Union offer online and mobile banking?

Most modern institutions like Oxford 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.ofcu.org.

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