P.O. Box 1746
Lewiston, ME 04240
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Central Maine is an NCUA insured institution located in Lewiston, ME. It was founded in 1950 and has approximately $108.75 millions in assets.

NCUA Insured Yes
Charter Number # # 6936
Date Established 1950
Assets $108.75 million
Loans $46.31 million
Deposits $95.45 million
Capital $12.96 million

Field of Membership Restrictions

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

Deposit Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

We do not yet have rates for Central Maine

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Note to Central Maine
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Loan Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CENTRAL MAINE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
2.669% 2.625% 0.63 $1,450 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

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Below are Central Maine branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Central Maine Locations

Financial Details

Central Maine Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Maine. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Central Maine U.S. Average
2.67% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Central Maine had $351,746 in non-current loans and $0 in owned assets. To cover these potential losses it had $12,956,043 in net worth and $208,531 in loans loss reserves. That gives it a Texas Ratio of 2.67%.

Net Worth
Central Maine U.S. Average
11.91% 13.61%

Central Maine FCU has a net worth of 11.91% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Central Maine

Branches and Savings

What is Central Maine?

A federal credit union, registered with the NCUA under certificate #6936.
Learn more about credit unions here.

Is Central Maine FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Central Maine?

Please see Field of Membership information above for information on who is eligible to join.

What are Central Maine's share account and share certificate rates?

Central Maine's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Central Maine?

Central Maine has total capital of $12.96 million. Full information on Central Maine's financial position is located above.

Who owns Central Maine?

Credit Unions are owned by their members.

Where are Central Maine branches located?

See branch locations nearby.

Are Central Maine ATMs Open 24/7?

Do Central Maine ATMs accept cash deposits?

Can Central Maine customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Central Maine have a mobile app?

Does Central Maine have mobile deposit?

Does Central Maine have quick pay?

How can Central Maine transfer money to other banks or credit unions?

Does Central Maine report to credit bureaus?

Does Central Maine use Chexsystems?

Does Central Maine use Equifax?

What is Central Maine's toll free phone number?

What is Central Maine's ACH Routing Number?

What is Central Maine's SWIFT code?

Where can I find Central Maine's wire transfer form?

What is the Central Maine address for deposits?

What Products Does Central Maine Offer

Does Central Maine offer mortgages?

Compare mortgage rates here.

Does Central Maine offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central Maine offer auto and RV loans?

Compare auto loan rates here.

Does Central Maine offer student loans or personal loans?

Compare personal loan rates here.

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