What are the current interest rates at Bangor Federal Credit Union?

Current rates for Bangor Federal Credit Union include: Savings: 2.78%, MMA: 2.78%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Bangor Federal Credit Union

iAdvertiser Disclosure

Bangor Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Bangor Federal Credit Union?

Yes, to access services at Bangor 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bangor 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: October 9, 2026

Bangor Federal Credit Union's top rates as of October 9, 2026 are 2.78% APY on savings, 2.78% APY on money market accounts, 4.00% APY on checking, personal loans from 9.25% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Bangor Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.80%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.80%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bangor Federal Credit Union
Hogan Road

339 Hogan Rd
Bangor, ME 04401-4205

https://www.bangorfederal.com

Customer Reviews

Be the first to review

Write a Review

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.

Bangor Federal Credit Union Savings Rates

Product	Rate	APY
IRA Savings	2.75%	2.78%
Min Deposit $25 Min Balance $75,000 Details Balance: $75,000.01+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.63% → 2.78% ▲ 0.15 pts · high 2.78% / low 2.63% Oct 9, 20262.78%▲ from 2.63% Sep 14, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
IRA Savings	2.50%	2.53%
Min Deposit $25 Min Balance $2,000 Details Balance: $20,00.01- - $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43% Oct 9, 20262.53%▲ from 2.43% Sep 14, 20262.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
IRA Savings	2.25%	2.27%
Min Deposit $25 Min Balance $25 Details Balance: $25 - $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.22% → 2.27% ▲ 0.05 pts · high 2.27% / low 2.22% Oct 9, 20262.27%▲ from 2.22% Sep 14, 20262.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Club Accounts	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Health Savings Account	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Monty Moose Club	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Prime Share Savings	0.05%	0.05%
Min Deposit $5 Min Balance $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Bangor Federal Credit Union Business Savings Rates

Product	Rate	APY
Business IRA Savings	2.75%	2.78%
Min Deposit $25 Min Balance $75,000 Details Balance: $75,000.01+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.63% → 2.78% ▲ 0.15 pts · high 2.78% / low 2.63% Oct 9, 20262.78%▲ from 2.63% Sep 14, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Business IRA Savings	2.50%	2.53%
Min Deposit $25 Min Balance $20,000 Details Balance: $20,000.01 - $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43% Oct 9, 20262.53%▲ from 2.43% Sep 21, 20262.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Business IRA Savings	2.25%	2.27%
Min Deposit $25 Min Balance $25 Details Balance: $25 - $20,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.22% → 2.27% ▲ 0.05 pts · high 2.27% / low 2.22% Oct 9, 20262.27%▲ from 2.22% Sep 14, 20262.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Business Club Accounts	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Business Health Savings Account	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Business Prime Share Savings	0.05%	0.05%
Min Deposit $5 Min Balance $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Bangor Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.75%	2.78%
Min Deposit $2,000 Min Balance $75,000 Details Balance: $75,000.01+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.63% → 2.78% ▲ 0.15 pts · high 2.78% / low 2.63% Oct 9, 20262.78%▲ from 2.63% Sep 14, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Money Market Account	2.50%	2.53%
Min Deposit $2,000 Min Balance $20,000 Details Balance: $20,000.01 - $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43% Oct 9, 20262.53%▲ from 2.43% Sep 14, 20262.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Money Market Account	2.25%	2.27%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000 - $20,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.22% → 2.27% ▲ 0.05 pts · high 2.27% / low 2.22% Oct 9, 20262.27%▲ from 2.22% Sep 14, 20262.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Bangor Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	2.75%	2.78%
Min Deposit $2,000 Min Balance $75,000 Details Balance: $75,000.01+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.63% → 2.78% ▲ 0.15 pts · high 2.78% / low 2.63% Oct 9, 20262.78%▲ from 2.63% Sep 14, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Business Money Market Account	2.50%	2.53%
Min Deposit $2,000 Min Balance $20,000 Details Balance: $20,000.01 - $75,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.43% → 2.53% ▲ 0.10 pts · high 2.53% / low 2.43% Oct 9, 20262.53%▲ from 2.43% Sep 14, 20262.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Business Money Market Account	2.25%	2.27%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000 - $20,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.22% → 2.27% ▲ 0.05 pts · high 2.27% / low 2.22% Oct 9, 20262.27%▲ from 2.22% Sep 14, 20262.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Bangor Federal Credit Union Checking Rates

Product	Rate	APY
BFCU Premium Checking	3.922%	4.00%
Min Balance $0 Details Qualifications Required: 12 debit card purchases; enrolled in and log into online banking; enrolled in e-statements; Balance: up to $20,000; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); No monthly maintenance fees; No minimum balance to earn rewards; Free digital banking Must enroll in eStatements to maintain account; Free Visa debit card; Surcharge-free ATMs and shared branching available; Overdraft protection available; No minimum deposit to open Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Premium Checking	3.922%	4.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required: balance of $20,000 or less; balance over $20,000; Qualifications Met (balance of $20,000 or less); (balance over $20,000) Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
BFCU Premium Checking	0.05%	0.05%
Min Balance $0 Details If qualifications aren't met; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); No monthly maintenance fees; No minimum balance to earn rewards; Free digital banking Must enroll in eStatements to maintain account; Free Visa debit card; Surcharge-free ATMs and shared branching available; Overdraft protection available; No minimum deposit to open Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Premium Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Qualifications Not Met Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 4.00% → 0.05% ▼ 3.95 pts · high 4.00% / low 0.05% Oct 9, 20260.05%▼ from 4.00% Sep 21, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Bangor Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Plus - 80% LTV	-	-	6.75%
Details Interest Only Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Equity Plus - 90% LTV	-	-	7.75%
Details Interest Only Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Bangor Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos (2023 and newer)	-	-	5.25%	up to 7 years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Used Autos (2017 - 2022)	-	-	5.50%	up to 6 years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Used Autos (2016 and older)	-	-	7.00%	up to 4 years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Bangor Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicles & others Loan	-	5.75%	up to 180 months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Bangor Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Best Rate Visa Credit Card	-	8.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 28, 2026 · 8.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Bangor Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.25%	up to 6 years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Personal Line of Credit	10.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Bangor Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed Rate Easy Equity Loan - 80.01 to 90% LTV	-	-	6.25%	up to 20 years
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Fixed Rate Easy Equity Loan - 90.01 to 100% LTV	-	-	6.75%	up to 20 years
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Fixed Rate Easy Equity Loan - Up to 80% LTV	-	-	5.50%	up to 20 years
Details As Low As Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Hearth & Home Loan	-	-	4.99%	12-months
Details Max borrow limit of $5,000 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Home Improvement Loans	-	-	8.25%	up to 6 years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Land Loans	-	-	6.50%	up to 12 years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Mobile Home (Park and Land) Loan	-	-	7.75%	up to 20 years
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1 Year Business Certificate	2.75%	-	2.78%	1 Year
Min Deposit $50 Details not available for IRA or Coverdell Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 2.63% → 2.78% ▲ 0.15 pts · high 2.78% / low 2.63% Oct 9, 20262.78%▲ from 2.63% Oct 5, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1 Year Business Coverdell Jumbo Share Certificate	3.95%	-	4.02%	1 year
Min Deposit $100,000 Details Jumbo Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82% Oct 9, 20264.02%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1 Year Business Coverdell Share Certificate	3.80%	-	3.86%	1 year
Min Deposit $500 Details Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 3.86% ▲ 0.20 pts · high 3.86% / low 3.66% Oct 9, 20263.86%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
1 Year Certificate	2.75%	-	2.78%	1 Year
Min Deposit $50 Details not available for IRA or Coverdell Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.66% → 2.78% ▼ 0.88 pts · high 3.66% / low 2.63% Oct 9, 20262.78%▲ from 2.63% Oct 5, 20262.63%▼ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
18 Month Business Coverdell Jumbo Share Certificate	4.00%	-	4.07%	18 months
Min Deposit $100,000 Details Not available for IRA or Coverdell; Jumbo Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 28, 2026 · 3.71% → 4.07% ▲ 0.36 pts · high 4.07% / low 3.71% Oct 9, 20264.07%▲ from 3.71% Sep 28, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
18 Month Business Coverdell Share Certificate	3.85%	-	3.92%	18 months
Min Deposit $500 Details Not available for IRA or Coverdell; Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 28, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56% Oct 9, 20263.92%▲ from 3.56% Sep 28, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
2 Year Business Coverdell Jumbo Share Certificate	4.00%	-	4.07%	2 years
Min Deposit $100,000 Details Jumbo Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 4.07% ▲ 0.36 pts · high 4.07% / low 3.71% Oct 9, 20264.07%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
2 Year Business Coverdell Share Certificate	3.85%	-	3.92%	2 years
Min Deposit $500 Details Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56% Oct 9, 20263.92%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
3 Year Business Coverdell Jumbo Share Certificate	4.05%	-	4.13%	3 years
Min Deposit $100,000 Details Jumbo Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61% Oct 9, 20264.13%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
3 Year Business Coverdell Share Certificate	3.90%	-	3.97%	3 years
Min Deposit $500 Details Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.97% ▲ 0.52 pts · high 3.97% / low 3.45% Oct 9, 20263.97%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
4 Year Business Coverdell Jumbo Share Certificate	4.10%	-	4.18%	4 years
Min Deposit $100,000 Details Jumbo Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.18% ▲ 0.57 pts · high 4.18% / low 3.61% Oct 9, 20264.18%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
4 Year Business Coverdell Share Certificate	3.95%	-	4.02%	4 years
Min Deposit $500 Details Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 4.02% ▲ 0.57 pts · high 4.02% / low 3.45% Oct 9, 20264.02%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
5 Year Business Coverdell Jumbo Share Certificate	4.15%	-	4.23%	5 years
Min Deposit $100,000 Details Jumbo Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61% Oct 9, 20264.23%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
5 Year Business Coverdell Share Certificate	4.00%	-	4.07%	5 years
Min Deposit $500 Details Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45% Oct 9, 20264.07%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
6 Month Business Coverdell Jumbo Share Certificate	3.90%	-	3.97%	6 months
Min Deposit $100,000 Details Not available for IRA or Coverdell; Jumbo Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 28, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82% Oct 9, 20263.97%▲ from 3.82% Sep 28, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
6 Month Business Coverdell Share Certificate	3.75%	-	3.82%	6 months
Min Deposit $500 Details Not available for IRA or Coverdell; Share, IRA, & Coverdell Certificates Last Updated 10/09/2026 Rate History 1 change since Sep 28, 2026 · 3.66% → 3.82% ▲ 0.16 pts · high 3.82% / low 3.66% Oct 9, 20263.82%▲ from 3.66% Sep 28, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Jumbo Share, IRA, & Coverdell Certificates - 1 year	3.95%	-	4.02%	1 year
Min Deposit $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82% Oct 9, 20264.02%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Jumbo Share, IRA, & Coverdell Certificates - 18 months	4.00%	-	4.07%	18 months
Min Deposit $100,000 Details not available for IRA or Coverdell Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.71% → 4.07% ▲ 0.36 pts · high 4.07% / low 3.71% Oct 9, 20264.07%▲ from 3.71% Oct 5, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Jumbo Share, IRA, & Coverdell Certificates - 2 years	4.00%	-	4.07%	2 years
Min Deposit $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 4.07% ▲ 0.36 pts · high 4.07% / low 3.71% Oct 9, 20264.07%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Jumbo Share, IRA, & Coverdell Certificates - 3 years	4.05%	-	4.13%	3 years
Min Deposit $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.13% ▲ 0.52 pts · high 4.13% / low 3.61% Oct 9, 20264.13%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Jumbo Share, IRA, & Coverdell Certificates - 4 years	4.10%	-	4.18%	4 years
Min Deposit $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.18% ▲ 0.57 pts · high 4.18% / low 3.61% Oct 9, 20264.18%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Jumbo Share, IRA, & Coverdell Certificates - 5 years	4.15%	-	4.23%	5 years
Min Deposit $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 4.23% ▲ 0.62 pts · high 4.23% / low 3.61% Oct 9, 20264.23%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Jumbo Share, IRA, & Coverdell Certificates - 6 months	3.90%	-	3.97%	6 months
Min Deposit $100,000 Details not available for IRA or Coverdell Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82% Oct 9, 20263.97%▲ from 3.82% Oct 5, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Share, IRA, & Coverdell Certificate 1 year	3.80%	-	3.86%	1 year
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.86% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Share, IRA, & Coverdell Certificate 18 months	3.85%	-	3.92%	18 months
Min Deposit $500 Details not available for IRA or Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Share, IRA, & Coverdell Certificate 2 years	3.85%	-	3.92%	2 years
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Share, IRA, & Coverdell Certificate 3 years	3.90%	-	3.97%	3 years
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.97% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Share, IRA, & Coverdell Certificate 4 years	3.95%	-	4.02%	4 years
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Share, IRA, & Coverdell Certificate 5 years	4.00%	-	4.07%	5 years
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Share, IRA, & Coverdell Certificate 6 months	3.75%	-	3.82%	6 months
Min Deposit $500 Details not available for IRA or Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Bangor Federal Credit Union’s Texas Ratio rose from 1.28% in Q3 2023 to 3.80% 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	$293M	3.80%	5.0	A+
March 31, 2026	$291M	2.10%	5.0	A+
December 31, 2025	$284M	2.85%	5.0	A+
September 30, 2025	$279M	2.48%	5.0	A+
June 30, 2025	$278M	2.14%	5.0	A+
March 31, 2025	$274M	1.88%	5.0	A+
December 31, 2024	$271M	3.18%	5.0	A+
September 30, 2024	$260M	1.74%	5.0	A+
June 30, 2024	$250M	1.44%	5.0	A+
March 31, 2024	$250M	1.88%	5.0	A+
December 31, 2023	$240M	3.96%	5.0	A+
September 30, 2023	$240M	1.28%	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 Bangor 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 Bangor 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 Bangor Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Bangor Federal Credit Union

Website https://www.bangorfederal.com

Address 339 Hogan Rd, Bangor, ME 04401-4205

Phone 207-947-0374

Fax 207-990-0759

President Robert Welch

CEO Basil Closson

Full-Time Employees 42

Part-Time Employees 1

Branch Locations 4

ATM Locations 4

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

3.80%

Return on Assets (ROA)

0.5130%

Return on Equity (ROE)

5.8994%

Non-Performing Loans Ratio (NPL)

0.57%

Total Assets

293,237,683

Total Amount of Shares and Deposits

267,241,220

Total Shares and Deposits < 1 Year

221,877,882

Total Shares and Deposits 1 3 Years

40,443,884

Total Shares and Deposits > 3 Years

4,919,452

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

4,755,907

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

4,755,907

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

262,485,313

Total Interest Expense (Sum of items 6 8)

2,652,872

Share Certificates

2,300

Number of Accounts for Share Drafts

9,979

IRA KEOGH Accounts

1,244

Number of Accounts for Regular Shares

20,368

All other shares

263

Money Market Shares

782

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)

44,716,363

Total Liabilities

267,740,541

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Bangor Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/bangor-federal-credit-union-rates-review-10939">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Bangor Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Bangor Federal Credit Union

Frequently Asked Questions About Bangor Federal Credit Union

How many branches does Bangor Federal Credit Union operate?

Bangor 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 Bangor Federal Credit Union?

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

Does Bangor Federal Credit Union offer online and mobile banking?

Most modern institutions like Bangor 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.bangorfederal.com.

Current Bangor Federal Credit Union Rates

Savings2.78%
MMA2.78%

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

Compare to Other Credit Unions

Bangor Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bangor Federal Credit Union Texas Ratio

Bangor Federal Credit Union Health Trend

Bangor Federal Credit Union Savings Rates

Bangor Federal Credit Union Business Savings Rates

Bangor Federal Credit Union Money Market Rates

Bangor Federal Credit Union Business Money Market Rates

Bangor Federal Credit Union Checking Rates

Bangor Federal Credit Union Home Equity & HELOC

Bangor Federal Credit Union Auto Loan Rates

Bangor Federal Credit Union RV, Boat and Powersport Loan Rates

Bangor Federal Credit Union Credit Card Rates

Bangor Federal Credit Union Personal Loan Rates

Bangor Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Bangor Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bangor Federal Credit Union

How many branches does Bangor Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bangor Federal Credit Union offer online and mobile banking?

Current Bangor Federal Credit Union Rates

Compare to Other Credit Unions