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Rates

Deposit Rates

Share, Club & Money Market Rates

Rates effective July 22, 2014

  Account Type  Term  Min. Balance  Penalty  Dividend Rate  APY *
Share Draft (Checking)Share Draft (Checking)N/A--0%0%*Calculator 
Advantage CheckingAdvantage Checking  1.49%1.50%*  
Club N/A--.15%.15%*Calculator 
Shares $25.00--.15%.15%*Calculator 
IRAs N/A--.499%.50%*Calculator 
Money Market Accounts $2,000 to $25,000--.20%.20%*Calculator 
  $25,001 to $50,000--.25%.25%*Calculator 
  $50,001 to $100,000 --.349%.35%*Calculator 
  $100,001 and over--.449%.45%*Calculator 
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice.
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Traditional & Roth IRAs, Coverdell ESA, and Share Certificates

Rates effective July 22, 2014

  Account Type  Term  Min. Balance  Penalty  Dividend Rate  APY *
Traditional & Roth IRA, Coverdell ESA, and Share Certificates6 Mos.$50090 days0.349%0.35%*Calculator 
 1 year$50090 days0.499%0.50%*Calculator 
 2 year$50090 days0.797%0.80%*Calculator 
 3 year$500180 days1.045%1.05%*Calculator 
 4 year$500180 days1.292%1.30%*Calculator 
 5 year $500180 days1.638%1.65%*Calculator 
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice. Certificate rates quoted are fixed for the term of the account. Certificates renew at the end of the quoted term with no grace period.
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Traditional & Roth IRA, Coverdell ESA & HSA Accounts

Rates effective July 22, 2014

  Traditional & Roth IRA, Coverdell ESA & HSA Accounts  Term  Min. Balance  Dividend Rate  APY *
Traditional & Roth IRA, Coverdell ESA & HSA AccountsN/AN/A.499%.50%Calculator 


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Youth Certificates

Rates effective July 22, 2014

  Account Type  Term  Min. Balance  Penalty  Dividend Rate  APY *
Youth Certificates6 Mos.$25090 days0.349%0.35%*Calculator 
 1 year $25090 days0.499%0.50%*Calculator 
 2 year$25090 days0.797%0.80%*Calculator 
 3 year$250180 days1.045%1.05%*Calculator 
 4 year$250180 days1.292%1.30%*Calculator 
 5 year$250180 days1.638%1.65%*Calculator 
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice. Certificate rates quoted are fixed for the term of the account. Certificates renew at the end of the quoted term with no grace period.

Dividend Payment Policy
Dividends on your account are computed on an average daily balance and credited monthly.
All dividends are paid on the last day of each month.

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Loan Rates

Members of Maine State CU are welcome to apply for a loan at any time in person or online. You will generally find that our loan rates are very competitive. Loan applications are usually processed "on the spot" and the check issued the same day. 

Share Secured

Rates effective July 22, 2014

  Loan Rate  Term
Share SecuredVariable*Calculator 
*Share Secured | Variable Rate --- 2.10% over highest share dividend at time of loan. Annual Adjustment in January.
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Vehicle Loans

Rates effective July 22, 2014

  Loan Rate  Term  APR *  Down Payment Required  Monthly Payment Per $1,000
New & Late Model Used Vehicles60 Mos.As low as 2.99%**none$18.20Calculator 
 66 Mos.As low as 4.00%**none$16.91Calculator 
 72 Mos.As low as 4.50%**none$15.88Calculator 
Used VehiclesUp to 36 Mos.As low as 5.25%**none$30.09Calculator 
 48 Mos.As low as 5.50%**none$23.27Calculator 
 60 Mos.As low as 5.75%**none$19.23Calculator 
*Annual Percentage Rate
**Rate shown is "as low as" rate. Actual interest rate is determined by credit and collateral qualifications.

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Credit Cards

Rates effective July 22, 2014

  Loan Rate  Term  APR *  Down Payment Required  Monthly Payment Per $1,000
Classic VisaN/A11.9%*n/an/aCalculator 
Gold VisaN/A 9.9%*n/an/aCalculator 
*Annual Percentage Rate
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Home Equity Loans & Lines of Credit

Rates effective July 22, 2014

  Loan Rate  Term  APR *  Down Payment Required  Monthly Payment Per $1,000
Home Equity or Credit Line***----*n/an/aCalculator 
*Annual Percentage Rate
*** Please call for current rates and terms.

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All Purpose Loans

Rates effective July 22, 2014

  Loan Rate  Term  APR *  Monthly Payment Per $1,000
All Purpose Loan60 Mos.5.90%*$19.29Calculator 
*Annual Percentage Rate
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Overdraft Protection

Rates effective July 22, 2014

  Loan Rate  Term  APR *
Overdraft protectionRevolving14.00%*  
*Annual Percentage Rate
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Fuel Loans

Rates effective July 22, 2014

  Home Energy Loan  Term  APR *  Monthly Payment Per $1,000
Home Energy Loan12 Mos.5.00%*$85.60Calculator 
*Annual Percentage Rate
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200 Capitol Street, Augusta, ME 04330. Tel: 800-540-8707 or 207-623-1851
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