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 University Credit Union Orono, ME 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
University Credit Union Orono, ME's 10 Month CD Specials rates are at 3.45%, 6 Month CDs rates are at 3.30%, 12 Month CDs rates are at 3.00%, 18 Month CDs rates are at 2.75%, 24 Month CDs rates are at 2.50%. University Credit Union Orono, ME's savings rates are at 0.05%. University Credit Union Orono, ME's money market rates are at 0.05%. University Credit Union Orono, ME's Auto Loan Rates are as low as 4.24%. MonitorBankRates evaluates the financial stability of University Credit Union Orono, ME with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.15%. Rates last updated and verified on 09/22/2026. University Credit Union Orono, ME 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 University Credit Union Orono, ME? Share your experience about University Credit Union Orono, ME by leaving a review below, or read customer reviews before you decide to use University Credit Union Orono, ME. 
University Credit Union Orono, ME CD Rates
University Credit Union Orono, ME Savings Rates
University Credit Union Orono, ME Money Market Rates
University Credit Union Orono, ME Checking Rates
University Credit Union Orono, ME Auto Loan Rates
University Credit Union Orono, ME Other Rates
Financial Health HistoryUniversity Credit Union Orono, ME’s Texas Ratio stayed near 1.67% in Q2 2023 to 2.15% 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
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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 University Credit Union Orono, ME 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 University Credit Union Orono, ME 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 University Credit Union Orono, ME's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
University Credit Union Orono, ME
Website
https://www.ucumaine.com
Address
977 Union St,
Bangor, ME 04401
Phone
207-889-8600
Fax
207-889-9086
President
Steve Baillargeon
CEO
Renee Ouellette
Full-Time Employees
105
Part-Time Employees
4
Branch Locations
10
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.15%
Return on Assets (ROA)
0.1243%
Return on Equity (ROE)
1.3260%
Non-Performing Loans Ratio (NPL)
0.28%
Total Assets
529,576,970
Total Amount of Shares and Deposits
412,952,103
Total Shares and Deposits < 1 Year
410,450,003
Total Shares and Deposits 1 3 Years
2,078,472
Total Shares and Deposits > 3 Years
423,628
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,655,073
Total Uninsured Shares and Deposits > $250K (F+J)
14,655,073
Total Insured Shares and Deposits > $250K (item 17 less item K)
398,297,030
Total Interest Expense (Sum of items 6 8)
1,752,660
Share Certificates
2,066
Number of Accounts for Share Drafts
22,257
IRA KEOGH Accounts
1,047
Number of Accounts for Regular Shares
40,920
All other shares
583
Money Market Shares
305
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)
32,875,938
Total Liabilities
482,485,024
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About University Credit Union Orono, MEHow many branches does University Credit Union Orono, ME operate?University Credit Union Orono, ME 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 University Credit Union Orono, ME?Yes, to access services at University Credit Union Orono, ME, 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, University Credit Union Orono, ME 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, University Credit Union Orono, ME provides members with tools to manage their accounts and build a solid financial history. Does University Credit Union Orono, ME offer online and mobile banking?Most modern institutions like University Credit Union Orono, ME 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.ucumaine.com. Current University Credit Union Orono, ME Rates
Retrieved from our database of financial products. Rates subject to change.
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