--- title: "University Credit Union Rates (Nov 2026): CDs to 5.50%" description: "University Credit Union rates today: savings & CDs up to 5.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join University Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maine/university" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # University Credit Union Rates (Nov 2026): CDs to 5.50% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **60-Month Auto Loan** auto_any_60mo | — APR | 4.740% | 60 mo | Standard | University Credit Union auto & vehicle rates as of November 12, 2026 ### Savings & CD rates 35 offers | Product | Published | Rate | Term / condition | Status | | **Prime Share Savings - Joint Membership** share_savings | 0.05% APY | 0.05% | — | Standard | | **Prime Share / Monty Moose / Teen** savings | 0.05% APY | 0.05% | — | Eligibility restricted | | **All balances if qualifications not met** savings | 0.05% APY | 0.05% | — | Standard | | **Super Share** savings | 0.05% APY | 0.05% | — | Standard | | **$0 - $4,999** savings | 0.05% APY | 0.05% | — | Standard | | **Super Share** savings | 0.20% APY | 0.20% | — | Standard | | **Up to $500** savings | 0.20% APY | 0.20% | — | Standard | | **$501 - $2,500** savings | 0.25% APY | 0.25% | — | Standard | | **Club & Holiday** savings | 0.25% APY | 0.25% | — | Standard | | **Premier Checking** checking | 0.30% APY | 0.30% | — | Standard | | **$2,501 - $10,000** savings | 0.35% APY | 0.35% | — | Standard | | **$10,001 And Above** savings | 0.40% APY | 0.40% | — | Standard | | **$5,000 And Above** savings | 1.50% APY | 1.49% | — | Standard | | **$5,000 - $24,999** savings | 1.50% APY | 1.49% | — | Standard | | **$25,000 - $49,999** savings | 1.75% APY | 1.74% | — | Standard | | **Kasasa Saver** savings | — APY | 1.98% | — | Standard | | **$0 - $100,000** savings | 2.00% APY | 1.98% | — | Standard | | **$50,000 - $99,999** savings | 2.00% APY | 1.98% | — | Standard | | **Kasasa Saver Rewards** savings | 2.00% APY | 1.98% | — | Standard | | **$100,001 And Above** savings | 2.00% APY | 0.25% | — | Standard | | **36-Month Certificate** share_certificate_36mo | 2.50% APY | 2.47% | 36 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 2.50% APY | 2.47% | 60 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 2.50% APY | 2.47% | 24 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 2.50% APY | 2.47% | 48 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 2.75% APY | 2.71% | 18 mo | Standard | | **$100,000 - $249,999** savings | 3.00% APY | 2.96% | — | Standard | | **12-Month Certificate** share_certificate_12mo | 3.00% APY | 2.96% | 12 mo | Standard | | **$250,000 - $499,999** savings | 3.25% APY | 3.20% | — | Standard | | **6-Month Certificate** share_certificate_6mo | 3.30% APY | 3.25% | 6 mo | Standard | | **$500,000 & Above** savings | 3.75% APY | 3.68% | — | Standard | | **Kasasa Cash – High Rewards** savings | 4.01% APY | 3.94% | — | Standard | | **$15,001 And Above** savings | 4.01% APY | 0.25% | — | Standard | | **$0 - $15,000** savings | 4.01% APY | 3.93% | — | Standard | | **Kasasa Cash – REALLY High Rewards** savings | 5.50% APY | 5.37% | — | Standard | | **Rewards Checking** checking | — APY | 5.50% | — | Standard | University Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 5.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maine/university) , verified from [University Credit Union's official website](https://www.ucumaine.com/) Loading branch locator… ## About University Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 31.1K Assets $529.6M Founded 1967 Locations reported 10 NCUA charter 63133 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 - Student scholarships - 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. [**Maine Savings** Stillwater · Bangor · ME · 04401 About 3.1 miles away](https://rateapi.dev/credit-unions/maine/maine-savings) [**Bangor** Hogan Road · Bangor · ME · 04401-4205 About 3.9 miles away](https://rateapi.dev/credit-unions/maine/bangor) [**Acadia** Broadway Office · Bangor · ME · 04401 About 4.4 miles away](https://rateapi.dev/credit-unions/maine/acadia) [**Empeople** Bangor · Bangor · ME · 04401 About 5.7 miles away](https://rateapi.dev/credit-unions/illinois/empeople) [**The County** Old Town Branch · Old Town · ME · 04468-1412 About 5.9 miles away](https://rateapi.dev/credit-unions/maine/the-county) [**Seaboard** Hermon · Hermon · ME · 04401 About 5.9 miles away](https://rateapi.dev/credit-unions/maine/seaboard) 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 University Credit Union Membership eligibility from University Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on University Credit Union's website. Check the membership page below to confirm whether you qualify. - Location androscoggin, cumberland, franklin, hancock, kennebec, knox, oxford, penobscot, somerset, waldo, washington — ME - Employer other units located on the campuses - Association Maine Consumer Council - School University of Maine System, Maine Maritime Academy, Northeast Technical Institute, The Landing School Verified from [University Credit Union's membership page](https://www.ucumaine.com/eligibility/) . Final membership determination is always made by the credit union. ## Membership rules for University Credit Union Geography 11 counties · Employers · Associations · Schools 16 · Family 3 65 published paths to membership, last verified August 27, 2026, quoted from University Credit Union’s own published criteria. ### Geography 11 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Androscoggin County, ME - Cumberland County, ME - Franklin County, ME - Hancock County, ME - Kennebec County, ME - Knox County, ME - Oxford County, ME - Penobscot County, ME - Somerset County, ME - Waldo County, ME - Washington County, ME “University Credit Union membership includes those who live in, worship in, attend school in, or work in the rural district of the counties of Androscoggin, Cumberland, Franklin, Hancock, Kennebec, Knox, Oxford, Penobscot, Somerset, Waldo, and Washington.” > [source ↗](https://www.ucumaine.com/eligibility/) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of other units located on the campuses (as written on the source page) “employees of other units located on the campuses” > [source ↗](https://www.ucumaine.com/eligibility/) - Employee of other units located on the campuses ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Maine Consumer Council (as written on the source page) “members of the Maine Consumer Council, a chapter of the American Consumer Council” > [source ↗](https://www.ucumaine.com/eligibility/) - Member of Maine Consumer Council ### Schools 16 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Student of University of Maine System (as written on the source page) “University of Maine System” > [source ↗](https://www.ucumaine.com/membership/) - Student at University of Maine System - Student of Maine Maritime Academy (as written on the source page) “Maine Maritime Academy” > [source ↗](https://www.ucumaine.com/membership/) - Student at Maine Maritime Academy - Student of Northeast Technical Institute (as written on the source page) “Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/membership/) - Student at Northeast Technical Institute - Student of The Landing School (as written on the source page) “The Landing School” > [source ↗](https://www.ucumaine.com/membership/) - Student at The Landing School - Student of University of Maine System “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Student at University of Maine System - School employee of University of Maine System “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Employee of University of Maine System - Alumni of University of Maine System “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Alumnus of University of Maine System - Student of Maine Maritime Academy “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Student at Maine Maritime Academy - School employee of Maine Maritime Academy “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Employee of Maine Maritime Academy - Alumni of Maine Maritime Academy “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Alumnus of Maine Maritime Academy - Student of The Landing School “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Student at The Landing School - School employee of The Landing School “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Employee of The Landing School - Alumni of The Landing School “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Alumnus of The Landing School - Student of Northeast Technical Institute “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Student at Northeast Technical Institute - School employee of Northeast Technical Institute “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Employee of Northeast Technical Institute - Alumni of Northeast Technical Institute “All employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute” > [source ↗](https://www.ucumaine.com/eligibility/) - Alumnus of Northeast Technical Institute ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Have a family relationship to a person in one of the above” > [source ↗](https://www.ucumaine.com/membership/) - Family member of a member - Family Of Deceased surviving spouse “spouses of those who died while within the field of membership of this credit union” > [source ↗](https://www.ucumaine.com/eligibility/) - Family member (surviving spouse) of a deceased eligible person - Family of a member spouse, child, sibling, parent, grandparent, grandchild “immediate family members (spouse, children, siblings, parent, grandparents or grandchildren including step and adoptive relationships, and persons living in the same residence maintaining a single economic unit) of all of the above.” > [source ↗](https://www.ucumaine.com/eligibility/) - Family member (spouse, child, sibling, parent, grandparent, grandchild) 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 University Credit Union? Yes No ## Work at University 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 University Credit Union ranks against Maine peers. - See which AI assistants fetched University 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=university&state=maine&code=ME&name=University%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does University Credit Union offer? University Credit Union currently offers Auto loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are University Credit Union rates updated? RateAPI verifies University 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 University Credit Union's rate data? Rate data is collected directly from University 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 University Credit Union's best CD rate? As of November 12, 2026, University Credit Union offers savings and certificate (CD) yields up to 5.50% APY. ### Who can join University Credit Union? University Credit Union publishes its membership criteria on its own website. RateAPI tracks 65 published membership paths covering 11 counties, 1 employer, 1 association and 16 schools for University Credit Union, each quoted from University Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare University Credit Union's rates against national credit-union benchmarks. [More Maine credit unions](https://rateapi.dev/credit-unions/maine) [Maine auto loan rate leaders](https://rateapi.dev/auto-loan-rates/maine) [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.ucumaine.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 University 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 University Credit Union curl "https://api.rateapi.dev/credit-unions/maine /university " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## University Credit Union locations Search, filter, and browse all 10 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/university Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp