Central Maine Federal Credit Union

Overview / Commentary

www.centralmainecu.com

207-783-1475

1000 Lisbon St
Lewiston, ME 04240

Central Maine Federal Credit Union is headquartered in Lewiston and is the 29^th largest credit union in the state of Maine. It is also the 1,614^th largest credit union in the nation. It was established in 1950 and as of September of 2019, it had grown to 16 employees and 6,873 members at 2 locations. Central Maine Federal Credit Union's CD rates are 2X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Androscoggin County.
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Health

A+

Data as of Q3 2019

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Health Grade Components

Overall
NCUA #	6936
Year Chartered	1950
Employees	16
Primary Regulator

Profit Margin
Return on Assets - YTD	0.66%
Return on Equity - YTD	5.35%
Annual Interest Income	$2.3MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$101.6MM$97.8MM
Loans	Q3 2019vs Q3 2018	$47.0MM$47.5MM
Deposits	Q3 2019vs Q3 2018	$88.4MM$85.4MM
Equity Capital	Q3 2019vs Q3 2018	$12.6MM$12.0MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$198.00K$184.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$315.00K$282.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Central Maine Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$10k^*	-	Health Savings Checking
OTHER TIERS: 0.05% → $100 - $1k \| 0.10% → $1k - $10k

Central Maine Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$100k^*	-	e-Checking
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k
0.10%^*	$50k^*	-	Cash Management Checking
OTHER TIERS: 0.02% → $500 - $5k \| 0.05% → $5k - $50k
0.05%^*	$10k^*	-	Advantage Plus Checking
OTHER TIERS: 0.02% → $1k - $10k
0.02%	$500	-	Value Plus Checking

Central Maine Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.32%	$1k	-	60 Month Fixed Rate Share Certificate
2.22%	$1k	-	48 Month Fixed Rate Share Certificate
2.12%	$1k	-	36 Month Fixed Rate Share Certificate
2.01%	$1k	-	24 Month Fixed Rate Share Certificate
1.91%	$1k	-	18 Month Fixed Rate Share Certificate
1.91%	-	-	12 Month The Wedding Registry Share Certificate
1.81%	$1k	-	12 Month Fixed Rate Share Certificate
1.45%	$1k	-	6 Month Fixed Rate Share Certificate

Central Maine Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.32%	$1k	-	48 Month Fixed Rate IRA
2.32%	$1k	-	60 Month Wealth Builder IRA
2.27%	$1k	-	48 Month Wealth Builder IRA
2.27%	$500	-	24 Month Variable Rate IRA
2.22%	$1k	-	60 Month Fixed Rate IRA
2.16%	$1k	-	36 Month Fixed Rate IRA
2.16%	$1k	-	36 Month Wealth Builder IRA
2.12%	$25	-	18 Month Variable Rate IRA
1.96%	$1k	-	24 Month Wealth Builder IRA
1.91%	$1k	-	24 Month Fixed Rate IRA
1.91%	$500	-	12 Month Variable Rate IRA
1.86%	$1k	-	12 Month Wealth Builder IRA
1.76%	$1k	-	12 Month Fixed Rate IRA

Locations

Central Maine Federal Credit Union Locations
Branch Office	1000 Lisbon St	Lewiston, ME 04240-5721
Branch Office	836 Center St	Auburn, ME 04210-6405

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