Maine State is an NCUA insured institution located in Augusta, ME. It was founded in 1935 and has approximately $787.81 millions in assets.
Who can join?
The following people are eligible to join Maine State CU:
Anyone who lives, works, worships, or attends school in Kennebec County or Somerset County
Maine State Employees
Employees of the Maine State Employees' Association
Cumberland County Employees
Maine Housing Authority Employees
Members of the Maine Association of Retirees
Employees of the Maine Technical College System
Maine State Retirement System Employees
Retirees of groups listed above, any individual who is receiving a Maine State retirement pension, and their immediate family or household members.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 63377 |
| Date Established | 1935 |
| Assets | $787.81 million |
| Loans | $591.19 million |
| Deposits | $698.66 million |
| Capital | $78.19 million |
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.40% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.40% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.55% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.55% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.15% | $1 | $499 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Advantage Checking | 3.50% | $0 | $0.00 | Learn More |
Your Current Location: New York, NY 10116
There are currently no loan rates available for Maine State
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Note to Maine State
To upload and update your bank's rates please register.
It is free to register and add rates.
Below are Maine State branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 334.11 | A | View Lobby Hours | |
| 334.64 | B | View Lobby Hours | |
| 351.11 | C | View Lobby Hours |
MAINE STATE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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The following ratios and data are available to help you better understand the financial condition of Maine State. 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.
| Maine State | U.S. Average |
|---|---|
| 7.24% | 6.78 |
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 December 31, 2025, Maine State had $5,810,737 in non-current loans and $14,580 in owned assets. To cover these potential losses it had $78,186,292 in net worth and $2,260,894 in loans loss reserves. That gives it a Texas Ratio of 7.24%.
| Maine State | U.S. Average |
|---|---|
| 9.92% | 14.48% |
Maine State FCU has a net worth of 9.92% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 26, 2026
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Customer Reviews for Maine State
5.0 out of 5 based on 1 rating
Ldk
September 11, 2020 |
Rate is now 2.5%
Is this review helpful? Yes:0 / No: 0
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