Capital Area Federal Credit Union


Overview / Commentary
207-622-3442
2010 N Belfast Ave
Augusta, ME 04330

Capital Area Federal Credit Union is headquartered in Augusta and is the 44th largest credit union in the state of Maine. It is also the 2,248th largest credit union in the nation. It was established in 1954 and as of December of 2023, it had grown to 14 employees and 3,980 members at 1 location. Capital Area Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Capital Area Federal Credit Union is open to those who live, work, worship, or attend school, or a business and/or other legal entities located in the Maine counties of Kennebec, Lincoln, or Waldo. Family and household members of a current member are eligible to join.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Capital Area Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #9919
Year Chartered1954
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD1.83%
Return on Equity - YTD11.69%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$63.2MM$57.9MM
LoansQ4 2023vs Q4 2022$53.6MM$41.1MM
DepositsQ4 2023vs Q4 2022$52.3MM$48.7MM
Equity CapitalQ4 2023vs Q4 2022$9.8MM$8.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$415K$246K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$189K$111K
Real Estate OwnedQ4 2023vs Q4 2022$115K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Capital Area Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.31%--Escrow Account
1.00%--IRA Accounts
0.25%--Youth Accounts
0.15%*$40k*-Regular Share
OTHER TIERS: 0.05% $100 - $10k | 0.10% $1k - $40k
0.05%--Club Account

Capital Area Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.08%$1k-36 Month Share Certificate
3.82%$1k-24 Month Share Certificate
3.56%$1k-18 Month Share Certificate
3.30%$1k-12 Month Share Certificate
3.04%$500-6 Month Share Certificate
1.16%$500-26 Month Youth Share Certificate
1.01%$100-18 Month Youth Share Certificate
Locations


Capital Area Federal Credit Union Locations
Branch Office2010 N Belfast aveAugusta, ME 04330

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