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 Maine State 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.
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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 22, 2026
Maine State Credit Union's 1 Year IRA/Roth IRA CD rates are at 3.50%, 1 Year CD rates are at 3.50%, 18 Month IRA/Roth IRA CD rates are at 3.50%, 18 Month CD rates are at 3.50%, 3 Month IRA/Roth IRA CD rates are at 3.50%. Maine State Credit Union's savings rates are at 0.05%. Maine State Credit Union's Personal Loan Rates are as low as 10.99%. Maine State Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Maine State Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.00%. Rates last updated and verified on 09/22/2026. Maine State 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 State Credit Union? Share your experience about Maine State Credit Union by leaving a review below, or read customer reviews before you decide to use Maine State Credit Union. Maine State Credit Union
Capitol Street 200 Capitol St
https://www.mainestatecu.org Augusta, ME 04330-6238 
Maine State Credit Union CD Rates
Maine State Credit Union Savings Rates
Maine State Credit Union Checking Rates
Maine State Credit Union Home Equity & HELOC
Maine State Credit Union Auto Loan Rates
Maine State Credit Union RV, Boat and Powersport Loan Rates
Maine State Credit Union Credit Card Rates
Maine State Credit Union Personal Loan Rates
Maine State Credit Union Other Rates
Financial Health HistoryMaine State Credit Union’s Texas Ratio rose from 3.13% in Q2 2023 to 6.00% 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)
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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 State 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 State 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 State Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Maine State Credit Union
Website
https://www.mainestatecu.org
Address
200 Capitol St,
Augusta, ME 04330-6238
Phone
207-623-1851
Fax
President
Eric Poirier
CEO
Stephen Wallace
Full-Time Employees
137
Part-Time Employees
3
Branch Locations
5
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.00%
Return on Assets (ROA)
0.0516%
Return on Equity (ROE)
0.5200%
Non-Performing Loans Ratio (NPL)
0.82%
Total Assets
787,810,015
Total Amount of Shares and Deposits
698,663,606
Total Shares and Deposits < 1 Year
654,496,252
Total Shares and Deposits 1 3 Years
40,789,182
Total Shares and Deposits > 3 Years
3,378,172
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
88,838,457
Total Uninsured Shares and Deposits > $250K (F+J)
88,838,457
Total Insured Shares and Deposits > $250K (item 17 less item K)
609,825,149
Total Interest Expense (Sum of items 6 8)
3,725,599
Share Certificates
6,982
Number of Accounts for Share Drafts
19,954
IRA KEOGH Accounts
2,842
Number of Accounts for Regular Shares
44,431
All other shares
1,188
Non Member Deposits
3
Money Market Shares
1,991
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)
42,341,359
Total Liabilities
717,598,267
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Maine State 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 State Credit Union
Frequently Asked Questions About Maine State Credit UnionHow many branches does Maine State Credit Union operate?Maine State 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 State Credit Union?Yes, to access services at Maine State 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 State 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 State Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Maine State Credit Union offer online and mobile banking?Most modern institutions like Maine State 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.mainestatecu.org. Current Maine State Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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