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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 April 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: April 9, 2026
Downeast Credit Union's 6-Month CD rates are at 4.00%, CD & IRA CD 6 month rates are at 4.00%, CD & IRA CD 1 year rates are at 3.75%, 1 year CD Sow & Grow rates are at 3.75%, 1 year CD Sow & Grow (Youth) rates are at 3.75%. Downeast Credit Union's savings rates are at 0.05%. Downeast Credit Union's money market rates are at 0.00%. Downeast Credit Union's Personal Loan Rates are at 6.99%. 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 4.39%. Rates were last updated on 04/09/2026. 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 Home Equity & HELOC
Downeast Credit Union Auto Loan Rates
Downeast Credit Union Credit Card Rates
Downeast Credit Union Personal Loan Rates
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
87
Part-Time Employees
3
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+ (98/100)
Texas Ratio
4.39%
Return on Assets (ROA)
0.4985%
Return on Equity (ROE)
5.3089%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
308,786,001
Total Amount of Shares and Deposits
276,625,253
Total Shares and Deposits < 1 Year
269,031,149
Total Shares and Deposits 1 3 Years
4,751,262
Total Shares and Deposits > 3 Years
2,842,843
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
50,802,990
Total Uninsured Shares and Deposits > $250K (F+J)
50,802,990
Total Insured Shares and Deposits > $250K (item 17 less item K)
225,822,263
Total Interest Expense (Sum of items 6 8)
4,596,575
Share Certificates
2,108
Number of Accounts for Share Drafts
11,544
IRA KEOGH Accounts
999
Number of Accounts for Regular Shares
28,940
All other shares
155
Non Member Deposits
5
Money Market Shares
926
Net Income (unless the amount is already included in Undivided Earnings)
1,539,300
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,394,694
Total Liabilities
279,891,142
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Downeast Credit UnionIs Downeast Credit Union a safe place to deposit money?Yes, Downeast Credit Union is considered a safe financial institution. With a Texas Ratio of 4.388344919109%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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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