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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.
WINTHROP AREA Rates & Review April 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: April 14, 2026
WINTHROP AREA's Share and IRA CDs 9 month rates are at 3.97%, Share and IRA CDs 12 month rates are at 3.87%, Share and IRA CDs 36 month rates are at 3.71%, Share and IRA CDs 48 month rates are at 3.71%, Share and IRA CDs 60 month rates are at 3.71%. WINTHROP AREA's Personal Loan Rates are at 4.50%. MonitorBankRates evaluates the financial stability of WINTHROP AREA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.79%. Rates were last updated on 04/14/2026. WINTHROP AREA 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 WINTHROP AREA? Share your experience about WINTHROP AREA by leaving a review below, or read customer reviews before you decide to use WINTHROP AREA. 
WINTHROP AREA CD Rates
WINTHROP AREA Savings Rates
WINTHROP AREA Mortgage Rates
WINTHROP AREA Home Equity & HELOC
WINTHROP AREA Auto Loan Rates
WINTHROP AREA Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for WINTHROP AREA 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 WINTHROP AREA 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 WINTHROP AREA's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
WINTHROP AREA
Address
94 HIGHLAND AVE,
WINTHROP, ME 04364
Phone
207-377-2124
Fax
207-377-2767
President
PENNY PRAY
CEO
JEFFREY SEGUIN
Full-Time Employees
15
Part-Time Employees
1
Branch Locations
1
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.79%
Return on Assets (ROA)
0.7769%
Return on Equity (ROE)
6.9199%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
103,031,599
Total Amount of Shares and Deposits
90,714,039
Total Shares and Deposits < 1 Year
85,605,721
Total Shares and Deposits 1 3 Years
3,261,397
Total Shares and Deposits > 3 Years
1,846,922
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,446,847
Total Uninsured Shares and Deposits > $250K (F+J)
6,446,847
Total Insured Shares and Deposits > $250K (item 17 less item K)
84,267,192
Total Interest Expense (Sum of items 6 8)
1,224,169
Share Certificates
751
Number of Accounts for Share Drafts
3,728
IRA KEOGH Accounts
281
Number of Accounts for Regular Shares
8,467
Money Market Shares
716
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
24,740,394
Total Liabilities
91,464,835
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About WINTHROP AREAIs WINTHROP AREA a safe place to deposit money?Yes, WINTHROP AREA is considered a safe financial institution. With a Texas Ratio of 1.788953245696%, 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 WINTHROP AREA operate?WINTHROP AREA 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 WINTHROP AREA?Yes, to access services at WINTHROP AREA, 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, WINTHROP AREA 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, WINTHROP AREA provides members with tools to manage their accounts and build a solid financial history. Does WINTHROP AREA offer online and mobile banking?Most modern institutions like WINTHROP AREA 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: http://www.winthropcreditunion.org. Current WINTHROP AREA Rates
Retrieved from our database of financial products. Rates subject to change.
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