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Central Maine Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 29th largest credit union in the state of Maine. It is also the 1,563rd largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 18 employees and 5,301 members at 1 location. Central Maine Federal Credit Union's money market rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Androscoggin County.
See current membership details

Reviews

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #6936
Year Chartered1950
Employees18
Primary Regulator
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD7.52%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$136.2MM$134.5MM
LoansQ1 2025vs Q1 2024$38.3MM$35.2MM
DepositsQ1 2025vs Q1 2024$116MM$116MM
Equity CapitalQ1 2025vs Q1 2024$20MM$18.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$111K$117K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$56K$44K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Central Maine Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$25-Super Saver
0.15%*$10k*-Health Savings Checking
OTHER TIERS: 0.05% → $100 - $1k | 0.10% → $1k - $10k
0.05%$25-Monty Moose Youth Saver
0.05%$25-Christmas & All Purpose Clubs
0.05%$25-Membership Share
0.05%$100-Minimum Balance Share

Central Maine Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$100k*-Money Market
OTHER TIERS: 0.05% → $100 - $2.5k | 2.53% → $2.5k - $50k | 2.79% → $50k - $100k

Central Maine Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-e-Checking
OTHER TIERS: 0.02% → $1k - $10k | 0.05% → $10k - $25k | 0.10% → $25k - $50k | 0.12% → $50k - $100k
0.05%*$50k*-Cash Management Checking
OTHER TIERS: 0.02% → $500 - $5k | 0.03% → $5k - $50k
0.05%*$25k*-Advantage Plus Checking
OTHER TIERS: 0.02% → $1k - $10k | 0.03% → $10k - $25k
0.02%$500-Value Plus Checking

Central Maine Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$1k-6 Month Fixed Rate Share Certificate
4.02%$1k-12 Month Fixed Rate Share Certificate
3.97%$1k-18 Month Fixed Rate Share Certificate
3.92%$1k-60 Month Fixed Rate Share Certificate
3.87%$1k-24 Month Fixed Rate Share Certificate
3.83%$1k-36 Month Fixed Rate Share Certificate
3.76%$1k-48 Month Fixed Rate Share Certificate

Central Maine Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.13%$1k-12 Month Wealth Builder IRA
4.13%$500-12 Month Variable Rate IRA
4.07%$25-18 Month Variable Rate IRA
4.02%$1k-12 Month Fixed Rate IRA
4.02%$1k-60 Month Wealth Builder IRA
3.97%$1k-24 Month Wealth Builder IRA
3.97%$500-24 Month Variable Rate IRA
3.92%$1k-60 Month Fixed Rate IRA
3.92%$1k-36 Month Wealth Builder IRA
3.87%$1k-24 Month Fixed Rate IRA
3.87%$1k-48 Month Wealth Builder IRA
3.83%$1k-36 Month Fixed Rate IRA
3.76%$1k-48 Month Fixed Rate IRA
0.25%$25-Share IRA
Locations


Central Maine Federal Credit Union Locations
Branch Office1000 Lisbon StLewiston, ME 04240-5721

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