What are the current interest rates at Central Maine Federal Credit Union?

Current rates for Central Maine Federal Credit Union include: 12-Month CD: 3.86%, 18-Month CD: 4.13%, 24-Month CD: 3.91%, 60-Month CD: 4.03%, MMA: 2.78%

MonitorBankRates

☰

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›
Central Maine Federal Credit Union

iAdvertiser Disclosure

Central Maine Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Maine 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 12, 2026

Central Maine Federal Credit Union's top rates as of October 12, 2026 are 4.13% APY on its Fixed-Rate IRA CDs - 18 Month Term CD, 2.78% APY on money market accounts, 0.15% APY on checking, 5.38% on its Mortgages - 10 YR FIXED, and auto loans from 4.60% APR, according to rates verified by MonitorBankRates. Other Central Maine Federal Credit Union CD rates include CDs - 18 Month Term at 4.13%, Fixed-Rate IRA CDs - 60 Month Term at 4.03%, and CDs - 60 Month Term at 4.03%. Other Central Maine Federal Credit Union mortgage rates include Mortgages - 15 YR FIXED at 5.50%, Mortgages - 20 YR FIXED at 5.62%, and Mortgages - 30 YR FIXED at 6.38%. MonitorBankRates evaluates the financial stability of Central Maine Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.42%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 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

1.42%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central Maine Federal Credit Union
Central Maine Federal C.U.

1000 Lisbon St
Lewiston, ME 04240-5721

https://www.centralmainecu.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.

Central Maine Federal Credit Union CD Rates

Product	Rate	APY	Term
Fixed-Rate IRA Share Certificates - 18 Month Term	4.05%	4.13%	18 Month
Min Balance $500 Details Rates effective October 01, 2026; no rate premiums permitted Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.13% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Share Certificates - 18 Month Term	4.05%	4.13%	18 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 60 Month Term	3.95%	4.03%	60 Month
Min Balance $500 Details Rates effective October 01, 2026; no rate premiums permitted Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Share Certificates - 60 Month Term	3.95%	4.03%	60 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.03% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 48 Month Term	3.90%	3.98%	48 Month
Min Balance $500 Details Rates effective October 01, 2026; no rate premiums permitted Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.98% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Share Certificates - 48 Month Term	3.90%	3.98%	48 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.98% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 24 Month Term	3.85%	3.91%	24 Month
Min Balance $500 Details Rates effective October 01, 2026; no rate premiums permitted Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 36 Month Term	3.85%	3.91%	36 Month
Min Balance $500 Details Rates effective October 01, 2026; no rate premiums permitted Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Share Certificates - 24 Month Term	3.85%	3.91%	24 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.91% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Share Certificates - 36 Month Term	3.85%	3.91%	36 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.91% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
12 Month Fixed Rate IRA Share Certificates	-	3.86%	12 Month
Min Balance $500 Details IRA; Assumes dividends will be added to principal; Effective: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
12 Month Fixed Rate Share Certificates	-	3.86%	12 Month
Min Balance $500 Details Assumes dividends will be added to principal; Effective: October 01, 2026 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Share Certificates - 12 Month Term	3.80%	3.86%	12 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.86% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Share Certificates - 6 Month Term	3.70%	3.76%	6 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%

Central Maine Federal Credit Union Savings Rates

Product	Rate	APY
Super Saver	0.15%	0.15%
Min Balance $25 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.30% → 0.15% ▼ 0.15 pts · high 0.30% / low 0.15% Sep 25, 20260.15%▼ from 0.30% Sep 12, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Christmas & All Purpose Clubs	0.05%	0.05%
Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Monty Moose Youth Savers	0.05%	0.05%
Min Balance $25 Details For children up to 12 years old Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%

Central Maine Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market (4)	2.75%	2.78%
Min Balance $100,000 Details Balance tier starting at $100,000.00 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.78% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Money Market (3)	2.50%	2.53%
Min Balance $50,000 Details Balance tier starting at $50,000.01 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Money Market (2)	2.25%	2.27%
Min Balance $2,500 Details Balance tier starting at $2,500.00 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Money Market (1)	0.05%	0.05%
Min Balance $100 Details Balance tier starting at $100.00 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%

Central Maine Federal Credit Union Checking Rates

Product	Rate	APY
e-Checking (5)	0.15%	0.15%
Min Balance $100,000 Details Qualifications Required: e-statements and direct deposit of net pay Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
e-Checking (4)	0.12%	0.12%
Min Balance $50,000 Details Qualifications Required: e-statements and direct deposit of net pay Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
e-Checking (3)	0.10%	0.10%
Min Balance $25,000 Details Qualifications Required: e-statements and direct deposit of net pay Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Advantage Plus Checking (3)	0.05%	0.05%
Min Balance $25,000 Details Qualifications Required: Requires direct deposit & $10,000 in savings balances Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
e-Checking (2)	0.05%	0.05%
Min Balance $10,000 Details Qualifications Required: e-statements and direct deposit of net pay Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Advantage Plus Checking (2)	0.03%	0.03%
Min Balance $10,000 Details Qualifications Required: Requires direct deposit & $10,000 in savings balances Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Advantage Plus Checking	-	0.02%
Min Balance $1,000 Details Minimum Dividend Balance: $1,000.00 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Advantage Plus Checking (1)	0.02%	0.02%
Min Balance $1,000 Details Qualifications Required: Requires direct deposit & $10,000 in savings balances Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
e-Checking	-	0.02%
Min Balance $1,000 Details Qualifications Required: Direct deposit of net pay; e-Statements; Minimum Dividend Balance: $1,000.01 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
e-Checking (1)	0.02%	0.02%
Min Balance $1,000 Details Qualifications Required: e-statements and direct deposit of net pay Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Value Plus Checking	0.02%	0.02%
Min Balance $500 Details $3.00 Monthly fee if average balance falls below $100.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%

Central Maine Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgages - 15 YR FIXED	5.50%	-	5.75%	15 years
Details Primary homes only; Effective: September 18, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Mortgages - 10 YR FIXED	5.375%	-	5.80%	10 years
Details Primary homes only; Effective: September 18, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.80% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Mortgages - 20 YR FIXED	5.625%	-	5.90%	20 years
Details Primary homes only; Effective: September 18, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Mortgages - 30 YR FIXED	6.375%	-	6.77%	30 years
Details Primary homes only; Effective: September 18, 2026 Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 6.15% → 6.77% ▲ 0.62 pts · high 6.77% / low 6.15% Sep 25, 20266.77%▲ from 6.38% Sep 20, 20266.38%▲ from 6.15% Sep 12, 20266.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Mortgages - 40 YR FIXED	6.625%	-	6.99%	40 years
Details Primary homes only; Effective: September 18, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 6.63% → 6.99% ▲ 0.37 pts · high 6.99% / low 6.63% Sep 25, 20266.99%▲ from 6.63% Sep 20, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%

Central Maine Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	5.75%	-	5.75%	10 years
Details Max loan amount $250,000; Max loan to value 80% Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 5.63% → 5.75% ▲ 0.13 pts · high 5.75% / low 5.63% Sep 20, 20265.75%▲ from 5.63% Sep 17, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Home Equity Loan	6.00%	-	6.00%	15 years
Details Max loan amount $250,000; Max loan to value 80% Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 5.88% → 6.00% ▲ 0.13 pts · high 6.00% / low 5.88% Sep 20, 20266.00%▲ from 5.88% Sep 17, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Home Equity Loan	6.25%	-	6.25%	20 years
Details Max loan amount $250,000; Max loan to value 80% Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 6.13% → 6.25% ▲ 0.13 pts · high 6.25% / low 6.13% Sep 20, 20266.25%▲ from 6.13% Sep 17, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%

Central Maine Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loan	-	-	4.60%	24 Months
Details As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25% Oct 8, 20264.60%▲ from 4.25% Sep 17, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
New and Used Auto Loan	-	-	4.60%	36 Months
Details As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25% Oct 8, 20264.60%▲ from 4.25% Sep 17, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
New and Used Auto Loan	-	-	4.75%	48 Months
Details As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 4.45% → 4.75% ▲ 0.30 pts · high 4.75% / low 4.45% Oct 8, 20264.75%▲ from 4.45% Sep 17, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
New and Used Auto Loan	-	-	4.95%	60 Months
Details As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 4.75% → 4.95% ▲ 0.20 pts · high 4.95% / low 4.75% Oct 8, 20264.95%▲ from 4.75% Sep 17, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
New and Used Auto Loan	-	-	5.25%	72 Months
Details As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 5.00% → 5.25% ▲ 0.25 pts · high 5.25% / low 5.00% Oct 8, 20265.25%▲ from 5.00% Sep 17, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
New and Used Auto Loan	-	-	5.75%	84 Months
Details As Low As; APR for eligible borrowers with qualified collateral; member eligibility required; no rate discounts available Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50% Oct 8, 20265.75%▲ from 5.50% Sep 17, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%

Central Maine Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Snowmobile, ATV's, On-Road Motorcycles, Powered Watercrafts (non-Boat) Loan	-	6.00%	48 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No internal refinancing; No rate discounts available Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Oct 8, 20266.00%▲ from 5.50% Sep 12, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Snowmobile, ATV's, On-Road Motorcycles, Powered Watercrafts (non-Boat) Loan	-	6.50%	60 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No internal refinancing; No rate discounts available Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 8, 20266.50%▲ from 6.00% Sep 12, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Snowmobile, ATV's, On-Road Motorcycles, Powered Watercrafts (non-Boat) Loan	-	6.75%	72 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No internal refinancing; No rate discounts available Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 8, 20266.75%▲ from 6.25% Sep 12, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Snowmobile, ATV's, On-Road Motorcycles, Powered Watercrafts (non-Boat) Loan	-	7.25%	84 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No internal refinancing; No rate discounts available Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75% Oct 8, 20267.25%▲ from 6.75% Sep 12, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Boats & Motor Homes (Drivable Campers) Loan	-	7.50%	96 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No rate discounts available Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Boats & Motor Homes (Drivable Campers) Loan	-	7.75%	108 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No rate discounts available Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Boats & Motor Homes (Drivable Campers) Loan	-	8.00%	120 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No rate discounts available Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Boats & Motor Homes (Drivable Campers) Loan	-	8.00%	132 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No rate discounts available Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Boats & Motor Homes (Drivable Campers) Loan	-	8.25%	144 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No rate discounts available Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Boats & Motor Homes (Drivable Campers) Loan	-	8.25%	156 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No rate discounts available Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Boats & Motor Homes (Drivable Campers) Loan	-	8.50%	168 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No rate discounts available Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Boats & Motor Homes (Drivable Campers) Loan	-	8.75%	180 Months
Details As Low As; Effective: September 30, 2026; APR for eligible borrowers with qualified collateral; Member eligibility required; No rate discounts available Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%

Central Maine Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Cash Management (1)	0.02%	-	0.02%
Min Balance $500 Details $6.00 Monthly fee if average balance falls below $5,000.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Cash Management (2)	0.03%	-	0.03%
Min Balance $5,000 Details $6.00 Monthly fee if average balance falls below $5,000.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Cash Management (3)	0.05%	-	0.05%
Min Balance $50,000 Details $6.00 Monthly fee if average balance falls below $5,000.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 12 Month Term	3.80%	-	3.86%	12 Month
Min Balance $500 Details Rates effective October 01, 2026; no rate premiums permitted Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Health Savings Checking (1)	0.05%	-	0.05%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Health Savings Checking (2)	0.10%	-	0.10%
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Health Savings Checking (3)	0.15%	-	0.15%
Min Balance $10,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Membership Share	0.05%	-	0.05%
Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Minimum Balance Share	0.05%	-	0.05%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Share IRA	0.15%	-	0.15%
Min Balance $25 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.25% → 0.15% ▼ 0.10 pts · high 0.25% / low 0.15% Sep 25, 20260.15%▼ from 0.25% Sep 12, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Value Plus Checking	-	-	0.02%
Min Balance $500 Details Minimum Dividend Balance: $500.00; Business Checking heading is not this table's product Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%

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

Central Maine Federal Credit Union’s Texas Ratio rose from 0.71% in Q3 2023 to 1.42% 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	$145M	1.42%	5.0	A+
March 31, 2026	$143M	0.73%	5.0	A+
December 31, 2025	$140M	1.04%	5.0	A+
September 30, 2025	$137M	0.67%	5.0	A+
June 30, 2025	$136M	0.30%	5.0	A+
March 31, 2025	$136M	0.28%	5.0	A+
December 31, 2024	$138M	0.49%	5.0	A+
September 30, 2024	$136M	0.77%	5.0	A+
June 30, 2024	$136M	0.38%	5.0	A+
March 31, 2024	$135M	0.24%	5.0	A+
December 31, 2023	$125M	0.49%	5.0	A+
September 30, 2023	$126M	0.71%	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 Central Maine 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 Central Maine 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 Central Maine Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Central Maine Federal Credit Union

Website https://www.centralmainecu.com

Address 1000 Lisbon St, Lewiston, ME 04240-5721

Phone 207-783-1475

Fax 207-777-1914

President Jay Stone

CEO Kerry Hayes

Full-Time Employees 17

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

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

1.42%

Return on Assets (ROA)

0.2068%

Return on Equity (ROE)

1.4107%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

145,484,838

Total Amount of Shares and Deposits

124,056,783

Total Shares and Deposits < 1 Year

109,545,567

Total Shares and Deposits 1 3 Years

6,004,029

Total Shares and Deposits > 3 Years

8,507,187

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

11,468,182

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

11,468,182

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

112,588,601

Total Interest Expense (Sum of items 6 8)

1,191,749

Share Certificates

862

Number of Accounts for Share Drafts

3,809

IRA KEOGH Accounts

358

Number of Accounts for Regular Shares

6,737

All other shares

Money Market Shares

1,536

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)

44,777,272

Total Liabilities

124,158,326

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Central Maine 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/central-maine-federal-credit-union-rates-review-6936">
  <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 Central Maine 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 Central Maine Federal Credit Union

Frequently Asked Questions About Central Maine Federal Credit Union

How many branches does Central Maine Federal Credit Union operate?

Central Maine 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 Central Maine Federal Credit Union?

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

Does Central Maine Federal Credit Union offer online and mobile banking?

Most modern institutions like Central Maine 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.centralmainecu.com.

Current Central Maine Federal Credit Union Rates

12-Month CD3.86%
18-Month CD4.13%
24-Month CD3.91%
60-Month CD4.03%
MMA2.78%

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

Compare to Other Credit Unions

Central Maine Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Central Maine Federal Credit Union Texas Ratio

Central Maine Federal Credit Union Health Trend

Central Maine Federal Credit Union CD Rates

Central Maine Federal Credit Union Savings Rates

Central Maine Federal Credit Union Money Market Rates

Central Maine Federal Credit Union Checking Rates

Central Maine Federal Credit Union Mortgage Rates

Central Maine Federal Credit Union Home Equity & HELOC

Central Maine Federal Credit Union Auto Loan Rates

Central Maine Federal Credit Union RV, Boat and Powersport Loan Rates

Central Maine Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Central Maine Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Central Maine Federal Credit Union

How many branches does Central Maine Federal Credit Union operate?

Is a member application needed to join Central Maine Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Central Maine Federal Credit Union offer online and mobile banking?

Current Central Maine Federal Credit Union Rates

Compare to Other Credit Unions