--- title: "Maine State Credit Union: #1 HELOC in Maine" description: "Maine State Credit Union has the lowest tracked HELOC rate in Maine (6.76% APR) among 19 credit unions we verify. Maine State Credit Union rates today: HELOC from 6.76% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Maine State Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maine/maine-state" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Maine State Credit Union: #1 HELOC in Maine ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.500% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | 6.757% APR | 6.750% | — | Standard | Maine State Credit Union heloc rates as of November 12, 2026 HELOC rates from 6.757% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maine/maine-state) , verified from [Maine State Credit Union's official website](https://www.mainestatecu.org/) Best product position **#1 of 19** HELOC Gap to state best **0 bp** State market leader Vs. state median **1 bp behind median** HELOC Products ranked **1** across tracked Maine markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 6.76% | #1 of 19 · lowest in Maine | State market leader | 1 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Maine State Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=maine-state&state=maine&code=ME&name=Maine%20State%20Credit%20Union) Loading branch locator… ## About Maine State Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 37.5K Assets $787.8M Founded 1935 Locations reported 5 NCUA charter 63377 Charter type Federally insured state-chartered 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 - First-time homebuyer program - 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) [**Capital Area** Main Office · Augusta · ME · 04330 About 2.1 miles away](https://rateapi.dev/credit-unions/maine/capital-area) [**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) 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 Maine State Credit Union Membership eligibility from Maine State Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Maine State Credit Union's website. Check the membership page below to confirm whether you qualify. - Location Androscoggin, Cumberland, Kennebec, Knox, Lincoln, Sagadahoc, Somerset, Waldo **Cost to join:** About $5. Verified from [Maine State Credit Union's membership page](https://www.mainestatecu.org/get-started/) . Final membership determination is always made by the credit union. ## Membership rules for Maine State Credit Union Employers 5 · Associations 6 published paths to membership, last verified August 21, 2026, quoted from Maine State Credit Union’s own published criteria. ### Employers 5 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Maine State Employees “Maine State Employees” > [source ↗](https://www.mainestatecu.org/get-started/) - Employee of Maine State Employees - Employee of Maine Housing Authority “Maine Housing Authority employees” > [source ↗](https://www.mainestatecu.org/get-started/) - Employee of Maine Housing Authority - Employee of Maine Technical College System “Maine Technical College System employees” > [source ↗](https://www.mainestatecu.org/get-started/) - Employee of Maine Technical College System - Employee of Maine State Retirement System “Maine State Retirement System employees” > [source ↗](https://www.mainestatecu.org/get-started/) - Employee of Maine State Retirement System - Retired employee of Retirees of groups listed above “Retirees of groups listed above” > [source ↗](https://www.mainestatecu.org/get-started/) - Retiree of Retirees of groups listed above ### Associations 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Maine Association of Retirees “Maine Association of Retirees members” > [source ↗](https://www.mainestatecu.org/get-started/) - Member of Maine Association of Retirees 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 Maine State Credit Union? Yes No ## Work at Maine State 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 Maine State Credit Union ranks against Maine peers. - See which AI assistants fetched Maine State 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=maine-state&state=maine&code=ME&name=Maine%20State%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Maine State Credit Union offer? Maine State Credit Union currently offers HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Maine State Credit Union rates updated? RateAPI verifies Maine State 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 Maine State Credit Union's rate data? Rate data is collected directly from Maine State 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 Maine State Credit Union's HELOC rate? As of November 12, 2026, Maine State Credit Union offers home equity lines of credit from 6.757% APR. ### Who can join Maine State Credit Union? Maine State Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 5 employers and 1 association for Maine State Credit Union, each quoted from Maine State Credit Union's own published membership criteria. ## Related Rate Data Compare Maine State Credit Union's rates against national credit-union benchmarks. [More Maine credit unions](https://rateapi.dev/credit-unions/maine) [Maine HELOC rate leaders](https://rateapi.dev/heloc-rates/maine) [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.mainestatecu.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 Maine State 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 Maine State Credit Union curl "https://api.rateapi.dev/credit-unions/maine /maine-state " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Maine State Credit Union locations Search, filter, and browse all 5 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/maine-state Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp