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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Downeast Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 3, 2026
Downeast Credit Union's 6 month CD & IRA CD rates are at 4.00%, 1 year CD & IRA CD rates are at 3.75%, 1 year CD Sow & Grow (Youth) rates are at 3.75%, 2 year CD & IRA CD rates are at 3.40%, 2 year CD Sow & Grow rates are at 3.40%. Downeast Credit Union's savings rates are at 0.05%. Downeast Credit Union's money market rates are at 1.65%. Downeast Credit Union's 30-Year LOYALTY SPECIAL Mortgage rates are at 5.99%, 30-Year Mortgage rates are at 5.99%, 15-Year Mortgage rates are at 6.25%, 10-Year Mortgage rates are at 6.25%, 30-Year Mortgage rates are at 6.49%. Downeast Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Downeast Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.89%. Rates last updated and verified on 09/03/2026. Downeast 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 Downeast Credit Union? Share your experience about Downeast Credit Union by leaving a review below, or read customer reviews before you decide to use Downeast Credit Union. 
Downeast Credit Union CD Rates
Downeast Credit Union Savings Rates
Downeast Credit Union Money Market Rates
Downeast Credit Union Checking Rates
Downeast Credit Union Mortgage Rates
Downeast Credit Union Auto Loan Rates
Downeast Credit Union Credit Card Rates
Downeast Credit Union Personal Loan Rates
Financial Health HistoryDowneast Credit Union’s Texas Ratio rose from 4.47% in Q2 2023 to 6.89% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Downeast 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 Downeast 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 Downeast Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Downeast Credit Union
Website
https://www.downeastcu.com
Address
23 Third Ave,
Baileyville, ME 04694
Phone
207-427-3333
Fax
207-512-1537
President
Mason Pottle
CEO
Joseph Moses
Full-Time Employees
94
Part-Time Employees
2
Branch Locations
8
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.89%
Return on Assets (ROA)
0.1270%
Return on Equity (ROE)
1.4420%
Non-Performing Loans Ratio (NPL)
0.80%
Total Assets
327,665,998
Total Amount of Shares and Deposits
295,083,221
Total Shares and Deposits < 1 Year
288,781,467
Total Shares and Deposits 1 3 Years
3,728,764
Total Shares and Deposits > 3 Years
2,572,990
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,930,460
Total Uninsured Shares and Deposits > $250K (F+J)
23,930,460
Total Insured Shares and Deposits > $250K (item 17 less item K)
271,152,761
Total Interest Expense (Sum of items 6 8)
1,555,765
Share Certificates
2,363
Number of Accounts for Share Drafts
11,756
IRA KEOGH Accounts
1,026
Number of Accounts for Regular Shares
29,811
All other shares
159
Non Member Deposits
5
Money Market Shares
952
Net Income (unless the amount is already included in Undivided Earnings)
416,165
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)
14,171,650
Total Liabilities
298,049,036
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Downeast Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Downeast Credit Union
Frequently Asked Questions About Downeast Credit UnionHow many branches does Downeast Credit Union operate?Downeast 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 Downeast Credit Union?Yes, to access services at Downeast 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, Downeast 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, Downeast Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Downeast Credit Union offer online and mobile banking?Most modern institutions like Downeast 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: https://www.downeastcu.com. Current Downeast Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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