--- title: "Capital Area Credit Union Rates - Maine" description: "Current mortgage, personal loan, credit card, and savings & cd rates from Capital Area Credit Union in Maine. Updated daily with source verification. See who can join Capital Area Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maine/capital-area" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Capital Area Credit Union Rates - Maine ### Mortgage rates 4 offers | Product | Published | Rate | Term / condition | Status | | **First Mortgage** other | — APR | 6.500% | — | Standard | | **First Mortgage** other | — APR | 6.750% | — | Standard | | **First Mortgage** other | — APR | 7.000% | — | Standard | | **First Mortgage** other | — APR | 7.250% | — | Standard | Capital Area Credit Union mortgage rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 8.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.250% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 13.250% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 16.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 17.990% | — | Standard | Capital Area Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Visa Credit Cards (Share Secured)** credit_card_secured | — APR | 5.990% | — | Standard | | **Credit Card** credit_card | — APR | 8.250% | — | Standard | Capital Area Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Other Share Accounts* (Dividend Yield)** share_savings | — APY | 0.05% | 36 mo | Standard | | **Dividend Yield** savings | — APY | 0.05% | — | Standard | | **Other Share Accounts* (Dividend Yield)** share_savings | — APY | 0.25% | 24 mo | Standard | | **Other Share Accounts* (Dividend Yield)** share_savings | — APY | 1.00% | 48 mo | Standard | | **Dividend Yield** cd_18mo | — APY | 1.01% | 18 mo | Standard | | **Other Share Accounts* (Dividend Rate)** share_savings | — APY | 2.29% | 60 mo | Standard | | **Other Share Accounts* (Dividend Yield)** share_savings | — APY | 2.31% | 60 mo | Standard | | **Certificate** cd | — APY | 3.25% | — | Standard | | **Dividend Yield** cd_6mo | — APY | 3.30% | 6 mo | Standard | Capital Area Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New (A+)** other | — % | 4.240% | — | Context only | | **A+** other | — % | 4.500% | — | Context only | Capital Area Credit Union other rates as of November 12, 2026 Capital Area Credit Union is a credit union in Maine. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maine/capital-area) , verified from [Capital Area Credit Union's official website](https://www.capitalareafcu.org/) Loading branch locator… ## About Capital Area Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4K Assets $71.7M Founded 1954 Locations reported 3 NCUA charter 9919 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Credit-builder products 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. [**Gardiner** KV FCU · Augusta · ME · 04330-3992 About 1.7 miles away](https://rateapi.dev/credit-unions/maine/gardiner) [**K V** Main Office Branch · Augusta · ME · 04330-3992 About 1.7 miles away](https://rateapi.dev/credit-unions/maine/k-v) [**Ancorum** Ancorum Credit Union · Augusta · ME · 04330 About 2.4 miles away](https://rateapi.dev/credit-unions/maine/ancorum) [**Connected** Augusta Office · AUGUSTA · ME · 04330 About 2.5 miles away](https://rateapi.dev/credit-unions/maine/connected) [**University** Augusta · Augusta · ME · 04330-6332 About 3.3 miles away](https://rateapi.dev/credit-unions/maine/university) [**Maine State** Capitol Street · Augusta · ME · 04330-6238 About 3.7 miles away](https://rateapi.dev/credit-unions/maine/maine-state) 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 Capital Area Credit Union Membership eligibility from Capital Area Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Capital Area Credit Union's website. Check the membership page below to confirm whether you qualify. - Location cumberland, kennebec, waldo, lincoln — ME Verified from [Capital Area Credit Union's membership page](https://www.capitalareafcu.org/about/) . Final membership determination is always made by the credit union. ## Membership rules for Capital Area Credit Union Geography 4 counties · Family 2 18 published paths to membership, last verified August 27, 2026, quoted from Capital Area Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Cumberland County, ME - Kennebec County, ME - Lincoln County, ME - Waldo County, ME “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Cumberland County, ME; Kennebec County, ME” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member direct, indirect, adoptive “I am related to a current member (can be direct, indirect, or adoptive relationship)” > [source ↗](https://www.capitalareafcu.org/member-application-form/) - Family member (direct, indirect, adoptive) of a member - Family of a member relative, household member “If you live, work, worship or attend school, a business and/or other legal entities located in Kennebec, Waldo or Lincoln County, and/or you are a relative of a current member or reside in the same household*, then you are eligible to join.” > [source ↗](https://www.capitalareafcu.org/about/) - Family member (relative, household member) of a member 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 Capital Area Credit Union? Yes No ## Work at Capital Area 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 Capital Area Credit Union ranks against Maine peers. - See which AI assistants fetched Capital Area 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=capital-area&state=maine&code=ME&name=Capital%20Area%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Capital Area Credit Union offer? Capital Area Credit Union currently offers mortgage, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Capital Area Credit Union rates updated? RateAPI verifies Capital Area Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Capital Area Credit Union's rate data? Rate data is collected directly from Capital Area Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Capital Area Credit Union? Capital Area Credit Union publishes its membership criteria on its own website. RateAPI tracks 18 published membership paths covering 4 counties for Capital Area Credit Union, each quoted from Capital Area Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Capital Area 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 personal loan leaders](https://rateapi.dev/personal-loan-rates/maine) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.capitalareafcu.org/) ### 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 Capital Area 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 Capital Area Credit Union curl "https://api.rateapi.dev/credit-unions/maine /capital-area " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Capital Area Credit Union locations Search, filter, and browse all 3 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/capital-area Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp