What are the current interest rates at CASCO Federal Credit Union?

Current rates for CASCO Federal Credit Union include: 12-Month CD: 3.82%, 18-Month CD: 3.51%, 24-Month CD: 3.51%, 60-Month CD: 3.51%

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CASCO Federal Credit Union

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CASCO Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join CASCO Federal Credit Union?

Yes, to access services at CASCO Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, CASCO Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 3, 2026

CASCO Federal Credit Union's 12 Month CD rates are at 3.82%, 6 Month CD rates are at 3.71%, 18 Month CD rates are at 3.51%, 24 Month CD rates are at 3.51%, 60 Month CD rates are at 3.51%. CASCO Federal Credit Union's Personal Loan Rates are at 4.50%. MonitorBankRates evaluates the financial stability of CASCO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.78%. Rates last updated and verified on 09/03/2026.

CASCO Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CASCO Federal Credit Union? Share your experience about CASCO Federal Credit Union by leaving a review below, or read customer reviews before you decide to use CASCO Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.78%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

CASCO Federal Credit Union
Branch Office - Gorham

375 Main St
Gorham, ME 04038-1336

http://www.cascofcu.com

CASCO Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.75%	3.82%	12 Months
Min Deposit $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
6 Month Certificate	3.65%	3.71%	6 Months
Min Deposit $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
18 Month Certificate	3.45%	3.51%	18 Months
Min Deposit $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
24 Month Certificate	3.45%	3.51%	24 Months
Min Deposit $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
60 Month Certificate	3.45%	3.51%	60 Months
Min Deposit $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
48 Month Certificate	3.35%	3.40%	48 Months
Min Deposit $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
36 Month Certificate	3.30%	3.35%	36 Months
Min Deposit $500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

CASCO Federal Credit Union Savings Rates

Product	Rate	APY
Club	0.10%	0.10%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
IRA Club	0.10%	0.10%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

CASCO Federal Credit Union Checking Rates

Product	Rate	APY
Platinum Rewards Checking	3.00%	3.00%
Min Deposit $0 Min Balance $0 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Platinum Rewards Checking	-	0.25%
Min Balance $25,000 Details Balances over $25,000; ATM fee refunds up to $20/month; No monthly service fees; No monthly minimum balance to earn rewards Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%
Platinum Rewards Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

CASCO Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	-	-	5.99%	up to 10 years
Details As Low As; Consult a tax advisor. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

CASCO Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.50%	60 months
Details As low as; additional discounts may apply Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.78%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

CASCO Federal Credit Union’s Texas Ratio stayed near 3.15% in Q2 2023 to 2.78% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$121M	2.78%	5.0	A+
December 31, 2025	$117M	1.30%	5.0	A+
September 30, 2025	$119M	7.54%	5.0	A
June 30, 2025	$113M	1.04%	5.0	A+
March 31, 2025	$113M	0.86%	5.0	A+
December 31, 2024	$110M	2.19%	5.0	A+
September 30, 2024	$109M	1.69%	5.0	A+
June 30, 2024	$106M	1.47%	5.0	A+
March 31, 2024	$105M	2.46%	5.0	A+
December 31, 2023	$101M	3.74%	5.0	A+
September 30, 2023	$103M	5.32%	5.0	A+
June 30, 2023	$104M	3.15%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for CASCO Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather CASCO Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CASCO Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CASCO Federal Credit Union

Website http://www.cascofcu.com

Address 375 Main St, Gorham, ME 04038-1336

Phone 207-839-5588

Fax 207-839-5413

President John Zerillo

CEO Martinique Allen

Full-Time Employees 22

Part-Time Employees 1

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.78%

Return on Assets (ROA)

0.1863%

Return on Equity (ROE)

1.9739%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

121,403,544

Total Amount of Shares and Deposits

108,768,192

Total Shares and Deposits < 1 Year

104,272,785

Total Shares and Deposits 1 3 Years

3,869,404

Total Shares and Deposits > 3 Years

626,004

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,367,135

Total Uninsured Shares and Deposits > $250K (F+J)

2,367,135

Total Insured Shares and Deposits > $250K (item 17 less item K)

106,401,057

Total Interest Expense (Sum of items 6 8)

329,536

Share Certificates

649

Number of Accounts for Share Drafts

5,310

IRA KEOGH Accounts

313

Number of Accounts for Regular Shares

9,759

All other shares

580

Money Market Shares

132

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

10,180,133

Total Liabilities

109,944,905

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

CASCO Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About CASCO Federal Credit Union

How many branches does CASCO Federal Credit Union operate?

CASCO Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join CASCO Federal Credit Union?

Yes, to access services at CASCO Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, CASCO Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CASCO Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does CASCO Federal Credit Union offer online and mobile banking?

Most modern institutions like CASCO Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.cascofcu.com.