What are the current interest rates at New Dimensions Federal Credit Union?

Current rates for New Dimensions Federal Credit Union include: 12-Month CD: 3.82%, 18-Month CD: 3.71%, 24-Month CD: 3.71%, 60-Month CD: 3.09%, Savings: 0.05%

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New Dimensions Federal Credit Union

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New Dimensions Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, New Dimensions 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 13, 2026

New Dimensions Federal Credit Union's top rates as of October 13, 2026 are 3.82% APY on its 12 Month CDs CD, 0.05% APY on savings, and personal loans from 9.80% APR, according to rates verified by MonitorBankRates. Other New Dimensions Federal Credit Union CD rates include IRA CDs - 12 month at 3.82%, 18 Month CDs at 3.71%, and 24 Month CDs at 3.71%. MonitorBankRates evaluates the financial stability of New Dimensions Federal Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.75%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.75%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

New Dimensions Federal Credit Union
Main Office

94 Silver St
Waterville, ME 04901

https://newdimensionsfcu.com

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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.

New Dimensions Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificates	3.75%	3.82%	12 months
Min Deposit $1,000 Details Dividend Penalty: 180 days Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
IRA Share Certificates - 12 month	3.75%	3.82%	12 months
Min Deposit $1,000 Details Dividend Penalty: 180 days; Opened in person only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
18 Month Share Certificates	3.65%	3.71%	18 months
Min Deposit $1,000 Details Dividend Penalty: 270 days Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
24 Month Share Certificates	3.65%	3.71%	24 months
Min Deposit $1,000 Details Dividend Penalty: 360 days Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
IRA Share Certificates - 18 month	3.65%	3.71%	18 months
Min Deposit $1,000 Details Dividend Penalty: 270 days; Opened in person only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
IRA Share Certificates - 24 month	3.65%	3.71%	24 months
Min Deposit $1,000 Details Dividend Penalty: 360 days; Opened in person only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
36 Month Share Certificates	3.50%	3.56%	36 months
Min Deposit $1,000 Details Dividend Penalty: 540 days Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
6 Month Share Certificates	3.50%	3.56%	6 months
Min Deposit $1,000 Details Dividend Penalty: 90 days Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
IRA Share Certificates - 36 month	3.50%	3.56%	36 months
Min Deposit $1,000 Details Dividend Penalty: 540 days; Opened in person only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
IRA Share Certificates - 6 month	3.50%	3.56%	6 months
Min Deposit $1,000 Details Dividend Penalty: 90 days; Opened in person only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
48 Month Share Certificates	3.30%	3.35%	48 months
Min Deposit $1,000 Details Dividend Penalty: 720 days Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
IRA Share Certificates - 48 month	3.30%	3.35%	48 months
Min Deposit $1,000 Details Dividend Penalty: 720 days; Opened in person only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
60 Month Share Certificates	3.05%	3.09%	60 months
Min Deposit $1,000 Details Dividend Penalty: 900 days Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
IRA Share Certificates - 60 month	3.05%	3.09%	60 months
Min Deposit $1,000 Details Dividend Penalty: 900 days; Opened in person only Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.09% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%

New Dimensions Federal Credit Union Savings Rates

Product	Rate	APY
Certificate Savings Account (CSA)	0.80%	0.80%
Min Balance $50,000 Details Balance: $50,000 or More Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Certificate Savings Account (CSA)	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Jumbo Certificate Savings Account (CSA)	0.30%	0.30%
Min Balance $100 Details Balance: $100 - $49,999.99; Composite APY Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Certificate Savings Account (CSA)	0.20%	0.20%
Min Balance $100 Details Balance: $100 to $2,499 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Certificate Savings Account (CSA)	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 to $9,999 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Club Savings	0.05%	0.05%
Min Balance $100 Details General Membership Savings Accounts; Minimum Balance to Earn Dividends: $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Health Savings Account	0.05%	0.05%
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Regular Savings	0.05%	0.05%
Min Deposit $25 Min Balance $100 Details General Membership Savings Accounts; Minimum Balance to Earn Dividends: $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%

New Dimensions Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC) Special	-	-	7.00%	Revolving
Details As Low As; Variable rate; Introductory period of 6 months fixed at 5.25% APR* during introductory period, then adjusts quarterly to Prime minus .50%; minimum credit line $5,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 7.00% ▲ 1.75 pts · high 7.00% / low 5.25% Oct 13, 20267.00%▲ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Home Equity Fixed Rate Equity	-	-	8.29%	10 years
Details As Low As; Monthly payment per $1,000 borrowed: $12.27 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.29% APR · checked 10 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Home Equity Signature Equity - Home Improvement Loan	-	-	9.80%	10 years
Details As Low As; Monthly payment per $1,000 borrowed: $13.08 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.80% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%

New Dimensions Federal Credit Union Personal Loan Rates

Product	APR	Term
Home Equity Signature Equity - Home Improvement Loan	9.80%	10 years
Details As Low As; Monthly payment per $1,000 borrowed: $13.08 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.80% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Personal/Signature Loans	12.24%	Up to 60 months
Details As Low As; Maximum loan amount is $30,000; APR varies based on credit score and selected term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%

New Dimensions Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Energy Loans	-	-	7.75%	Up to 60 months
Details Energy Loan Special; Certain restrictions may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
FICO Fit Loan (Credit Builder or Re-Builder)	-	-	9.25%	Up to 12 Months
Details Maximum Loan Amount: $1000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
New Manufactured Home (located on leased land) Loan	6.99%	-	7.00%	10 years
Details Purchase or Refinance 90% LTV Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
New Manufactured Home (located on leased land) Loan	7.25%	-	7.25%	15 years
Details Purchase or Refinance 90% LTV Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
New Manufactured Home (located on leased land) Loan	7.50%	-	7.50%	20 years
Details Purchase or Refinance 90% LTV Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Used Manufactured Home (located on leased land) Loan	7.99%	-	8.00%	10 years
Details Purchase or Refinance 85% LTV Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Used Manufactured Home (located on leased land) Loan	8.25%	-	8.25%	15 years
Details Purchase or Refinance 85% LTV Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Used Manufactured Home (located on leased land) Loan	8.50%	-	8.50%	20 years
Details Purchase or Refinance 85% LTV Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Coverdell Education Savings Account	0.05%	-	0.05%
Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Kasasa Cash Checking	2.47%	-	2.50%
Min Deposit $0 Min Balance $0 Details Qualifying balance up to $15,000; APY is a blended rate (2.50% - 0.59%) based on $100,000 balance; rate drops to .25% over $15,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Kasasa Saver Savings	1.00%	-	1.00%
Min Deposit $0 Min Balance $0 Details Qualifying balance up to $25,000; APY is a blended rate (1.00% - 0.44%) based on $100,000 balance; rate drops to .25% over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Roth IRA	0.05%	-	0.05%
Min Deposit $0 Min Balance $100 Details Individual Retirement Account Rates; IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%
Traditional IRA	0.05%	-	0.05%
Min Deposit $0 Min Balance $100 Details Individual Retirement Account Rates; IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.75%

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

New Dimensions Federal Credit Union’s Texas Ratio stayed near 15.06% in Q3 2023 to 14.75% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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	$244M	14.75%	5.0	A-
March 31, 2026	$241M	11.17%	5.0	A
December 31, 2025	$237M	14.36%	5.0	A-
September 30, 2025	$229M	11.69%	5.0	A
June 30, 2025	$220M	15.15%	5.0	A-
March 31, 2025	$213M	16.67%	4.9	A-
December 31, 2024	$209M	19.49%	4.6	B
September 30, 2024	$210M	18.77%	4.7	B+
June 30, 2024	$211M	16.77%	4.9	A-
March 31, 2024	$214M	13.52%	5.0	A
December 31, 2023	$213M	19.46%	4.6	B
September 30, 2023	$212M	15.06%	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 New Dimensions 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 New Dimensions 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 New Dimensions Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name New Dimensions Federal Credit Union

Website https://newdimensionsfcu.com

Address 94 Silver St, Waterville, ME 04901

Phone 207-872-2771

Fax

President Larry Genest

CEO Ryan Poulin

Full-Time Employees 61

Part-Time Employees 0

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.75%

Return on Assets (ROA)

0.2685%

Return on Equity (ROE)

3.3846%

Non-Performing Loans Ratio (NPL)

1.54%

Total Assets

244,085,135

Total Amount of Shares and Deposits

209,348,362

Total Shares and Deposits < 1 Year

204,056,710

Total Shares and Deposits 1 3 Years

4,225,168

Total Shares and Deposits > 3 Years

1,066,484

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

4,126,165

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

4,135,218

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

205,213,144

Total Interest Expense (Sum of items 6 8)

1,821,893

Share Certificates

1,179

Number of Accounts for Share Drafts

8,254

IRA KEOGH Accounts

668

Number of Accounts for Regular Shares

19,489

All other shares

187

Non Member Deposits

Money Market Shares

555

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)

3,404,297

Total Liabilities

225,183,495

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

New Dimensions Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About New Dimensions Federal Credit Union

How many branches does New Dimensions Federal Credit Union operate?

New Dimensions 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 New Dimensions Federal Credit Union?

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

Does New Dimensions Federal Credit Union offer online and mobile banking?

Most modern institutions like New Dimensions 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://newdimensionsfcu.com.