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Rates

Deposit Accounts

Advantage Checking, Club, Share, IRAs & Money Market

Rates effective June 30, 2015

  Account Type  Dividend Rate  APY *
Advantage Checking (Share Draft)1.49%1.50%*  
Club.15%.15%*Calculator 
Savings (Share).15%.15%*Calculator 
IRA/Roth IRA.499%.50%*Calculator 
Advantage Savings (formerly Money Market).20%.20%*Calculator 
 .25%.25%*Calculator 
 .349%.35%*Calculator 
 .449%.45%*Calculator 
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. Rates are subject to change without notice.
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Share, IRA/Roth IRA & Coverdell ESA Certificates of Deposit

Rates effective June 30, 2015

     Term  Min. Balance  Penalty  Dividend Rate  APY *
6 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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Youth Certificates

Rates effective June 30, 2015

     Term  Min. Balance  Penalty  Dividend Rate  APY *
 6 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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Loans

Members are welcome to apply for a loan in person or online. Our loan rates are generally very competitive. Loan applications are usually processed "on the spot" and the check issued the same day. 

Vehicle

Rates effective June 30, 2015

  Loan Type  Term  APR *  Down Payment Required  Monthly Payment Per $1,000
New & Late Model Used66 Mos.As low as 2.99%**none$16.46Calculator 
 72 Mos.As low as 3.99%**none$15.65Calculator 
 84 Mos.As low as 5.50%**none$14.38Calculator 
Used66 Mos.As low as 4.99%**none$17.37Calculator 
 72 Mos.As low as 5.99%**none$16.58Calculator 
 84 Mos.As low as 7.50%**none$15.35Calculator 
*Annual Percentage Rate
**Rate shown is "as low as" rate and subject to change without notice. Actual interest rate is determined by credit and collateral qualifications. Eligibility requirements apply.

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All-Purpose

Rates effective June 30, 2015

  Loan Type  Term  APR *  Monthly Payment Per $1,000
All-Purpose60 Mos.As low as 5.90%*$19.29Calculator 
*Annual Percentage Rate
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Credit Card

Rates effective June 30, 2015

  Loan Type  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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Share Secured

Rates effective June 30, 2015

  Loan Type  Term
Share SecuredVariable*Calculator 
*Share Secured | Variable Rate --- 2.00% over highest share dividend at time of loan. Annual Adjustment in January.
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Energy

Rates effective June 30, 2015

  Loan Type  Term  APR *  Monthly Payment Per $1,000
Home Energy12 Mos.5.00%*$85.62Calculator 
*Annual Percentage Rate
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Overdraft Protection

Rates effective June 30, 2015

  Loan Type  Term  APR *
Overdraft ProtectionRevolving14.00%*  
*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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