Featured Savings Rates
Featured Accounts

Winthrop Area Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.92%5-year CD5 Year Share Certificate
0.50%1-year CD1 Year Share Certificate
0.10%SavingsRegular Shares

Overview / Commentary
207-377-2124
94 Highland Ave
Winthrop, ME 04364

Winthrop Area Federal Credit Union is headquartered in WINTHROP and is the 37th largest credit union in the state of Maine. It is also the 2,034th largest credit union in the nation. It was established in 1937 and as of September of 2016, it had grown to 13 employees and 5,825 members at 1 location. Winthrop Area Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, and businesses and other legal entities located in Kennebec County.
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. Winthrop Area Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #2301
Year Chartered1937
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD5.07%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$65.1MM$61.7MM
LoansQ3 2016vs Q3 2015$39.8MM$36.8MM
DepositsQ3 2016vs Q3 2015$58.4MM$55.5MM
Equity CapitalQ3 2016vs Q3 2015$6.4MM$6.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$160.00K$160.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$135.00K$103.00K
Real Estate OwnedQ3 2016vs Q3 2015$327.00K$491.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Winthrop Area Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA Club
0.10%--Regular Shares
0.10%--Holiday Club
0.10%--Vacation Club

Winthrop Area Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-High Yield Checking
OTHER TIERS: 0.20% $2k - $40k | 0.30% $40k - $100k

Winthrop Area Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.92%$500-5 Year Share Certificate
1.51%$500-4 Year Share Certificate
1.31%$500-3 Year Share Certificate
0.80%$500-2 Year Share Certificate
0.65%$500-18 Month Share Certificate
0.55%$500-15 Month Share Certificate
0.50%$500-1 Year Share Certificate
0.35%$500-6 Month Share Certificate

Winthrop Area Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.92%$500-5 Year IRA Certificate
1.51%$500-4 Year IRA Certificate
1.31%$500-3 Year IRA Certificate
0.80%$500-2 Year IRA Certificate
0.65%$500-18 Month IRA Certificate
0.55%$500-15 Month IRA Certificate
0.50%$500-1 Year IRA Certificate
0.35%$500-6 Month IRA Certificate
Locations


Winthrop Area Federal Credit Union Locations
Branch Office94 HIGHLAND AVEWINTHROP, ME 04364