Maine State Credit Union Rates and Review March 2026
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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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Maine State Credit Union's 9-Month CD rates are at 3.75%, 15-Month CD rates are at 3.65%, 6-Month CD rates are at 3.50%, 1-Year CD rates are at 3.40%, 18-Month CD rates are at 3.30%. Maine State Credit Union's savings rates are at 0.05%. 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 8.98%. Rates were last updated on 03/04/2026.
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 by leaving a review below, or read customer reviews before you decide to use . Maine State Credit Union Texas RatioMaine State Credit Union's Texas Ratio is at 8.98%, which is considered excellent. The Texas Ratio for Maine State Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Maine State Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Maine State Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Maine State Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A
Excellent Health
Score: 96/100
Maine State Credit Union has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026
Maine State Credit Union
Capitol Street 200 Capitol St
Augusta, ME 04330 6238 
Maine State Credit Union CD Rates
Maine State Credit Union Savings Rates
Maine State Credit Union Checking Rates
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 & OverviewCredit Union Name: Maine State Credit Union
Website: https://www.mainestatecu.org
Full Time Employees: 135Part Time Employees: 5 President: Eric Poirier CEO: Stephen Wallace Branch Locations: 5 ATM Locations: 5 Corporate Office Address:
200 Capitol St
Augusta, ME 04330 6238 Phone Number: 207-623-1851 Fax Number: FinancialsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (96/100)
Texas Ratio:
8.98%
Return on Assets (ROA):
0.2910%
Return on Equity (ROE):
2.8197%
Non-Performing Loans Ratio (NPL):
1.26%
Total Assets:
753,336,929
Total Amount of Shares and Deposits:
666,036,802
Total Shares and Deposits < 1 Year:
606,271,757
Total Shares and Deposits 1 3 Years:
55,454,747
Total Shares and Deposits > 3 Years:
4,310,297
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
77,274,007
Total Uninsured Shares and Deposits > $250K (F+J):
77,274,007
Total Insured Shares and Deposits > $250K (item 17 less item K):
588,762,795
Total Interest Expense (Sum of items 6 8):
10,990,892
Share Certificates:
6,885
Number of Accounts for Share Drafts:
19,737
IRA KEOGH Accounts:
2,825
Number of Accounts for Regular Shares:
44,177
All other shares:
1,112
Non Member Deposits:
5
Money Market Shares:
1,686
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
46,806,282
Total Liabilities:
684,407,549
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Maine State Credit UnionIs a member application needed to join Maine State Credit Union?Yes, to access services at Maine State Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Maine State Credit Union provides a range of mortgage and home equity products. Is Maine State Credit Union a safe place to deposit money?Yes, Maine State Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Maine State Credit Union offer online and mobile banking?Most modern institutions like Maine State Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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