Central Maine Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.12%	5-year CD	60 Month Fixed Rate Share Certificate 2.40% - Goldman Sachs Bank USA 5 Year CD
1.15%	1-year CD	12 Month Fixed Rate Share Certificate 1.50% - Goldman Sachs Bank USA 12 Month CD
1.91%	4-year CD	48 Month Fixed Rate Share Certificate 1.90% - Goldman Sachs Bank USA 4 Year CD

View all Central Maine Federal Credit Union rates »

Overview / Commentary

www.centralmainecu.com

207-783-1475

1000 Lisbon St
Lewiston, ME 04240-5721

Central Maine Federal Credit Union is headquartered in Lewiston and is the 30^th largest credit union in the state of Maine. It is also the 1,672^nd largest credit union in the nation. It was established in 1950 and as of June of 2017, it had grown to 15 employees and 7,148 members at 2 locations. Central Maine Federal Credit Union's CD rates are 28% higher than 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

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Health

A

Data as of Q2 2017

Learn why bank health matters

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. Central Maine Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	6936
Year Chartered	1950
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	0.33%
Return on Equity - YTD	2.71%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$93.3MM$91.3MM
Loans	Q2 2017vs Q2 2016	$46.5MM$38.1MM
Deposits	Q2 2017vs Q2 2016	$81.6MM$80.0MM
Equity Capital	Q2 2017vs Q2 2016	$11.2MM$10.9MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$138.00K$118.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$155.00K$138.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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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
0.25%^*	$10k^*	-	Health Savings Checking Account
OTHER TIERS: 0.05% → $100 - $1k \| 0.10% → $1k - $10k

Central Maine Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$100k^*	-	e-Checking Account
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k
0.10%^*	$50k^*	-	Cash Management Checking Account
OTHER TIERS: 0.02% → $500 - $5k \| 0.05% → $5k - $50k
0.05%^*	$10k^*	-	Advantage Plus Checking Account
OTHER TIERS: 0.02% → $1k - $10k
0.02%	$500	-	Value Plus Checking Account

Central Maine Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.12%	$1k	-	60 Month Fixed Rate Share Certificate
1.91%	$1k	-	48 Month Fixed Rate Share Certificate
1.51%	$1k	-	36 Month Fixed Rate Share Certificate
1.30%	$1k	-	24 Month Fixed Rate Share Certificate
1.25%	$1k	-	18 Month Fixed Rate Share Certificate
1.15%	$1k	-	12 Month Fixed Rate Share Certificate
1.00%	-	-	12 Month The Wedding Registry Share Certificate
0.65%	$1k	-	6 Month Fixed Rate Share Certificate

Central Maine Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.12%	$1k	-	60 Month Wealth Builder IRA
2.01%	$1k	-	48 Month Wealth Builder IRA
1.76%	$1k	-	60 Month Fixed Rate IRA
1.61%	$1k	-	36 Month Wealth Builder IRA
1.51%	$1k	-	48 Month Fixed Rate IRA
1.40%	$500	-	24 Month Variable Rate IRA
1.30%	$1k	-	24 Month Wealth Builder IRA
1.25%	$1k	-	36 Month Fixed Rate IRA
1.25%	$25	-	18 Month Variable Rate IRA
1.00%	$1k	-	24 Month Fixed Rate IRA
1.00%	$1k	-	12 Month Wealth Builder IRA
1.00%	$500	-	12 Month Variable Rate IRA
0.75%	$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