|
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.
 Maine Highlands Federal Credit Union Rates & Review September 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 and Verified: September 21, 2026
Maine Highlands Federal Credit Union's 48 Month IRA CDs rates are at 4.07%, 60 Month IRA CDs rates are at 4.07%, 60 Month CDs rates are at 4.07%, 12 Month IRA CDs rates are at 3.82%, 12 Month CDs rates are at 3.82%. Maine Highlands Federal Credit Union's savings rates are at 0.10%. Maine Highlands Federal Credit Union's money market rates are at 1.01%. Maine Highlands Federal Credit Union's Personal Loan Rates are as low as 12.99%. MonitorBankRates evaluates the financial stability of Maine Highlands Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.63%. Rates last updated and verified on 09/21/2026. Maine Highlands 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 Maine Highlands Federal Credit Union? Share your experience about Maine Highlands Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Maine Highlands Federal Credit Union. Maine Highlands Federal Credit Union
Main Office - Dexter 73 Main St
https://www.mhfcu.com Dexter, ME 04930 
Maine Highlands Federal Credit Union CD Rates
Maine Highlands Federal Credit Union Savings Rates
Maine Highlands Federal Credit Union Money Market Rates
Maine Highlands Federal Credit Union Auto Loan Rates
Maine Highlands Federal Credit Union RV, Boat and Powersport Loan Rates
Maine Highlands Federal Credit Union Personal Loan Rates
Maine Highlands Federal Credit Union Other Rates
Financial Health HistoryMaine Highlands Federal Credit Union’s Texas Ratio rose from 3.69% in Q2 2023 to 8.63% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Maine Highlands 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 Maine Highlands 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 Maine Highlands Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Maine Highlands Federal Credit Union
Website
https://www.mhfcu.com
Address
73 Main St,
Dexter, ME 04930
Phone
207-924-5544
Fax
207-924-7527
President
Nicholas Clukey
CEO
Maria Wooten
Full-Time Employees
56
Part-Time Employees
2
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.63%
Return on Assets (ROA)
0.1972%
Return on Equity (ROE)
1.8280%
Non-Performing Loans Ratio (NPL)
1.58%
Total Assets
226,611,483
Total Amount of Shares and Deposits
200,915,126
Total Shares and Deposits < 1 Year
183,353,978
Total Shares and Deposits 1 3 Years
8,465,080
Total Shares and Deposits > 3 Years
9,096,067
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,771,984
Total Uninsured Shares and Deposits > $250K (F+J)
11,771,984
Total Insured Shares and Deposits > $250K (item 17 less item K)
189,143,142
Total Interest Expense (Sum of items 6 8)
847,598
Share Certificates
2,142
Number of Accounts for Share Drafts
9,919
IRA KEOGH Accounts
1,198
Number of Accounts for Regular Shares
20,269
All other shares
95
Money Market Shares
141
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)
50,002,493
Total Liabilities
202,178,632
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Maine Highlands 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.
Add Your Rating and Review for Maine Highlands Federal Credit Union
Frequently Asked Questions About Maine Highlands Federal Credit UnionHow many branches does Maine Highlands Federal Credit Union operate?Maine Highlands 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 Maine Highlands Federal Credit Union?Yes, to access services at Maine Highlands 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, Maine Highlands 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, Maine Highlands Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Maine Highlands Federal Credit Union offer online and mobile banking?Most modern institutions like Maine Highlands 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.mhfcu.com. Current Maine Highlands Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Financial Builders Federal Credit Union
Quincy Credit Union
Consolidated Federal Credit Union
Power One Federal Credit Union
CINCINNATI OHIO POLICE
Denocos Federal Credit Union
WCLA Credit Union
Community Financial Services FCU
GP Louisiana Federal Credit Union
Spirit of Alaska Federal Credit Union
Valley Wide Federal Credit Union
Capital Credit Union
PrimeTrust Financial Federal Credit Union
Metro Realtors Federal Credit Union
United Trades Federal Credit Union
Wailuku Federal Credit Union
Red Oak Credit Union
Inland Federal Credit Union
REVERE FIREFIGHTERS
Suncoast Credit Union
Stratton Air National Guard Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
