--- title: "Bangor Credit Union Rates (Nov 2026): CDs to 4.23%" description: "Bangor Credit Union rates today: savings & CDs up to 4.23% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Bangor Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maine/bangor" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Bangor Credit Union Rates (Nov 2026): CDs to 4.23% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Land Loan** other | — APR | 6.500% | — | Standard | | **Mobile Home (Park and Land)** other | — APR | 7.750% | — | Standard | Bangor Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **84-Month New Auto Loan (2023 and Newer)** auto_new_84mo | — APR | 5.250% | 84 mo · new | Standard | | **72-Month Used Auto Loan (2017–2022)** auto_used_72mo | — APR | 5.500% | 72 mo · used | Standard | | **Recreational Vehicles & others** rv_any_180mo | — APR | 5.750% | 180 mo | Standard | | **48-Month Used Auto Loan (2016 and Older)** auto_used_48mo | — APR | 7.000% | 48 mo · used | Standard | Bangor Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Fixed Rate Easy Equity Loan** heloc_fixed | — APR | 5.500% | — | Standard | | **Fixed Rate Easy Equity Loan** heloc_fixed | — APR | 6.250% | — | Standard | | **80.01 to 90% LTV** heloc | — APR | 6.250% | — | Standard | | **Home Equity Plus - 80% LTV 1** heloc | — APR | 6.750% | — | Standard | | **Fixed Rate Easy Equity Loan** heloc_fixed | — APR | 6.750% | — | Standard | | **90.01 to 100% LTV** heloc | — APR | 6.750% | — | Standard | | **Home Equity Plus - 90% LTV 1** heloc | — APR | 7.750% | — | Standard | Bangor Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Home Improvement Loan** personal_unsecured_72mo | — APR | 8.250% | 72 mo | Standard | | **72-Month Unsecured Personal Loan** personal_unsecured_72mo | — APR | 9.250% | 72 mo | Standard | | **Personal Line of Credit 1** ploc_variable | — APR | 10.250% | — | Standard | | **Overdraft Line of Protection 2** personal | — APR | 12.000% | — | Standard | Bangor Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 25 offers | Product | Published | Rate | Term / condition | Status | | **$2,000 - $20,000.00** savings | — APY | 2.25% | — | Standard | | **Money Market** money_market | 2.27% APY | 2.25% | — | Standard | | **IRA** ira | 2.27% APY | 2.25% | — | Standard | | **$20,000.01 - $75,000** savings | — APY | 2.50% | — | Standard | | **Money Market** money_market | 2.53% APY | 2.50% | — | Standard | | **IRA** ira | 2.53% APY | 2.50% | — | Standard | | **$75,000.01+** savings | — APY | 2.75% | — | Standard | | **IRA** ira | 2.78% APY | 2.75% | — | Standard | | **Money Market** money_market | 2.78% APY | 2.75% | — | Standard | | **1 Year (not available for IRA or Coverdell)** ira | 2.78% APY | 2.75% | 12 mo | Standard | | **Share, IRA, & Coverdell Certificates (6 months (not available for IRA or Coverdell))** ira_cd_6mo | 3.82% APY | 3.75% | 6 mo | Standard | | **Share, IRA, & Coverdell Certificates (1 year)** ira_cd_12mo | 3.86% APY | 3.80% | 12 mo | Standard | | **Share, IRA, & Coverdell Certificates (18 months (not available for IRA or Coverdell))** ira_cd_18mo | 3.92% APY | 3.85% | 18 mo | Standard | | **Share, IRA, & Coverdell Certificates (2 years)** ira_cd_24mo | 3.92% APY | 3.85% | 24 mo | Standard | | **Premium Checking* Qualifications Met (balance of $20,000 or less) (balance over $20,000) Qualifications Not Met** checking | — APY | 3.92% | — | Standard | | **Share, IRA, & Coverdell Certificates (3 years)** ira_cd_36mo | 3.97% APY | 3.90% | 36 mo | Standard | | **Jumbo Share, IRA, & Coverdell Certificates (6 months (not available for IRA or Coverdell))** ira_cd_6mo | 3.97% APY | 3.90% | 6 mo | Standard | | **Share, IRA, & Coverdell Certificates (4 years)** ira_cd_48mo | 4.02% APY | 3.95% | 48 mo | Standard | | **Jumbo Share, IRA, & Coverdell Certificates (1 year)** ira_cd_12mo | 4.02% APY | 3.95% | 12 mo | Standard | | **Share, IRA, & Coverdell Certificates (5 years)** ira_cd_60mo | 4.07% APY | 4.00% | 60 mo | Standard | | **Jumbo Share, IRA, & Coverdell Certificates (18 months (not available for IRA or Coverdell))** ira_cd_18mo | 4.07% APY | 4.00% | 18 mo | Standard | | **Jumbo Share, IRA, & Coverdell Certificates (2 years)** ira_cd_24mo | 4.07% APY | 4.00% | 24 mo | Standard | | **Jumbo Share, IRA, & Coverdell Certificates (3 years)** ira_cd_36mo | 4.13% APY | 4.05% | 36 mo | Standard | | **Jumbo Share, IRA, & Coverdell Certificates (4 years)** ira_cd_48mo | 4.18% APY | 4.10% | 48 mo | Standard | | **Jumbo Share, IRA, & Coverdell Certificates (5 years)** ira_cd_60mo | 4.23% APY | 4.15% | 60 mo | Standard | Bangor Credit Union savings & cd rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Up to 80% LTV** other | — % | 5.500% | — | Standard | Bangor Credit Union other rates as of November 13, 2026 Savings and certificate yields up to 4.23% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maine/bangor) , verified from [Bangor Credit Union's official website](https://www.bangorfederal.com/) Loading branch locator… ## About Bangor Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 15.7K Assets $291M Founded 1956 Locations reported 4 NCUA charter 10939 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Seaboard** Hermon · Hermon · ME · 04401 Branch in the same ZIP](https://rateapi.dev/credit-unions/maine/seaboard) [**University** Bangor · Bangor · ME · 04401 About 3.2 miles away](https://rateapi.dev/credit-unions/maine/university) [**Acadia** Broadway Office · Bangor · ME · 04401 About 3.8 miles away](https://rateapi.dev/credit-unions/maine/acadia) [**Maine Savings** Bangor, Broadway · Bangor · ME · 04401 About 3.9 miles away](https://rateapi.dev/credit-unions/maine/maine-savings) [**Empeople** Bangor · Bangor · ME · 04401 About 5.1 miles away](https://rateapi.dev/credit-unions/illinois/empeople) [**The County** Bangor Branch · Bangor · ME · 04401 About 5.4 miles away](https://rateapi.dev/credit-unions/maine/the-county) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Bangor Credit Union Membership eligibility from Bangor Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Bangor Credit Union's website. Check the membership page below to confirm whether you qualify. - Location waldo, penobscot, hancock — ME Verified from [Bangor Credit Union's membership page](https://www.bangorfederal.com/personal/deposits/online-account-opening) . Final membership determination is always made by the credit union. ## Membership rules for Bangor Credit Union Geography 3 counties 18 published paths to membership, last verified August 27, 2026, quoted from Bangor Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Hancock County, ME - Penobscot County, ME - Waldo County, ME “Membership with Bangor Federal Credit Union is open to anyone who lives, works, worships, or attends school in and businesses and other legal entities located in Penobscot, Hancock, and Waldo Counties of Maine.” > [source ↗](https://www.bangorfederal.com/personal/deposits/online-account-opening) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Bangor Credit Union? Yes No ## Work at Bangor Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Bangor Credit Union ranks against Maine peers. - See which AI assistants fetched Bangor Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maine - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=bangor&state=maine&code=ME&name=Bangor%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Bangor Credit Union offer? Bangor Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Bangor Credit Union rates updated? RateAPI verifies Bangor Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Bangor Credit Union's rate data? Rate data is collected directly from Bangor Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Bangor Credit Union's best CD rate? As of November 13, 2026, Bangor Credit Union offers savings and certificate (CD) yields up to 4.23% APY. ### Who can join Bangor Credit Union? Bangor Credit Union publishes its membership criteria on its own website. RateAPI tracks 18 published membership paths covering 3 counties for Bangor Credit Union, each quoted from Bangor Credit Union's own published membership criteria. ## Related Rate Data Compare Bangor Credit Union's rates against national credit-union benchmarks. [More Maine credit unions](https://rateapi.dev/credit-unions/maine) [Maine mortgage rate leaders](https://rateapi.dev/mortgage-rates/maine) [Maine auto loan rate leaders](https://rateapi.dev/auto-loan-rates/maine) [Maine HELOC rate leaders](https://rateapi.dev/heloc-rates/maine) [Maine personal loan leaders](https://rateapi.dev/personal-loan-rates/maine) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.bangorfederal.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Bangor Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maine credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Bangor Credit Union curl "https://api.rateapi.dev/credit-unions/maine /bangor " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Bangor Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/maine/bangor Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp