☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Eastmill Federal Credit Union

iAdvertiser Disclosure

Eastmill Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Eastmill 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 20, 2026

Eastmill Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Eastmill Federal Credit Union, and you can see how they compare in the Eastmill Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Eastmill Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.20%. Database rates last updated and verified on 09/20/2026.

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

Ranked #100 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.20%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Eastmill Federal Credit Union
Eastmill Federal Credit Union

60 Main St
East Millinocket, ME 04430-1128

https://www.eastmillfcu.org

Eastmill Federal Credit Union Checking Rates

Product	Rate	APY	View More
Elevate Checking	-	3.25%
Min Balance $10,000 Details Qualifications Required; Higher dividends earned if all requirements are met. If any requirement is not met, a lower dividend rate of .10% will apply to the entire account balance. Balances over $10,000 on accounts that qualify will receive a dividend of .25%. Requirements: Log in to online banking at least once a month; Enroll in e-statements; Receive at least one (1) direct deposit into the account each month; Complete at least 12 debit card transactions each month excluding ATM transactions. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.20%

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

Eastmill Federal Credit Union’s Texas Ratio stayed near 0.01% in Q2 2023 to 0.20% in Q1 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
March 31, 2026	$79M	0.20%	5.0	A+
December 31, 2025	$77M	0.40%	5.0	A+
September 30, 2025	$77M	0.36%	5.0	A+
June 30, 2025	$76M	0.26%	5.0	A+
March 31, 2025	$76M	0.13%	5.0	A+
December 31, 2024	$73M	0.54%	5.0	A+
September 30, 2024	$73M	0.29%	5.0	A+
June 30, 2024	$72M	0.01%	5.0	A+
March 31, 2024	$71M	0.01%	5.0	A+
December 31, 2023	$69M	0.01%	5.0	A+
September 30, 2023	$71M	0.01%	5.0	A+
June 30, 2023	$72M	0.01%	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 Eastmill 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 Eastmill 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 Eastmill Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Eastmill Federal Credit Union

Website https://www.eastmillfcu.org

Address 60 Main St, East Millinocket, ME 04430-1128

Phone 207-746-3428

Fax 207-746-5881

President John Doe

CEO Derek Hebert

Full-Time Employees 19

Part-Time Employees 1

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+ (100/100)

Texas Ratio

0.20%

Return on Assets (ROA)

0.0529%

Return on Equity (ROE)

0.2834%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

78,615,112

Total Amount of Shares and Deposits

63,808,242

Total Shares and Deposits < 1 Year

62,088,499

Total Shares and Deposits 1 3 Years

1,445,524

Total Shares and Deposits > 3 Years

274,219

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

5,700,773

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

5,700,773

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

58,107,469

Total Interest Expense (Sum of items 6 8)

204,346

Share Certificates

476

Number of Accounts for Share Drafts

2,032

IRA KEOGH Accounts

376

Number of Accounts for Regular Shares

5,803

All other shares

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)

4,110,428

Total Liabilities

63,935,367

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Eastmill Federal Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/eastmill-federal-credit-union-rates-review-9518">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #100 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

There are no reviews for Eastmill 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 Eastmill Federal Credit Union

Frequently Asked Questions About Eastmill Federal Credit Union

How many branches does Eastmill Federal Credit Union operate?

Eastmill 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 Eastmill Federal Credit Union?

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

Does Eastmill Federal Credit Union offer online and mobile banking?

Most modern institutions like Eastmill 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.eastmillfcu.org.