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

Current rates for Katahdin Federal Credit Union include: 12-Month CD: 3.97%, 18-Month CD: 3.76%, 24-Month CD: 3.76%, 60-Month CD: 3.56%, Savings: 0.05%

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Katahdin Federal Credit Union

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Katahdin Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Katahdin 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: August 28, 2026

Katahdin Federal Credit Union's 9 month CD rates are at 4.07%, 12 month IRA CD rates are at 3.97%, 12 month CD rates are at 3.97%, 18 month IRA CD rates are at 3.76%, 18 month CD rates are at 3.76%. Katahdin Federal Credit Union's savings rates are at 0.05%. Katahdin Federal Credit Union's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of Katahdin Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.04%. Rates last updated and verified on 08/28/2026.

Katahdin 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 Katahdin Federal Credit Union? Share your experience about Katahdin Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Katahdin Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.04%

Excellent Lower than avg

Katahdin Federal Credit Union
Katahdin Federal Credit Union

1000 Central St
Millinocket, ME 04462 2101

https://www.katahdinfcu.org

Katahdin Federal Credit Union CD Rates

Product	Rate	APY	Term
9 month Share Certificate	4.00%	4.07%	9 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
12 month IRA Certificate	3.90%	3.97%	12 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
12 month Share Certificate	3.90%	3.97%	12 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
18 month IRA Certificate	3.70%	3.76%	18 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
18 month Share Certificate	3.70%	3.76%	18 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
24 month IRA Certificate	3.70%	3.76%	24 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
24 month Share Certificate	3.70%	3.76%	24 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
36 month IRA Certificate	3.65%	3.71%	36 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
36 month Share Certificate	3.65%	3.71%	36 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
48 month IRA Certificate	3.60%	3.66%	48 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
48 month Share Certificate	3.60%	3.66%	48 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
6 month Share Certificate	3.50%	3.56%	6 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
60 month IRA Certificate	3.50%	3.56%	60 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
60 month Share Certificate	3.50%	3.56%	60 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
3 month Share Certificate	2.00%	2.02%	3 month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%

Katahdin Federal Credit Union Savings Rates

Product	Rate	APY
Share Savings	0.25%	0.25%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
Share Savings	0.15%	0.15%
Min Balance $2,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
Share Savings	0.05%	0.05%
Min Balance $25 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%

Katahdin Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Lines of Credit	-	-	6.75%
Details Annual Percentage Rate (Fixed) Index Used* CMT (plus) 3.00% The payment would be $150.00 on a single advance of $10,000. Annual Percentage Rate (APR.) Constant Maturity Treasury-the prior calendar quarter's average of the one-year constant maturity treasury as published in the Wall Street Journal ("the index) plus a margin. The rate is then rounded to the nearest quarter. Minimum payment requirement: You can obtain advances of credit for three years (the draw period). During the draw period, your payment will be due monthly. Your minimum payment will equal 1.5% of the outstanding balance as of the date of your last advance or $50.00 whichever is greater. After the draw period ends, and if the Agreement is not renewed, you will no longer be able to obtain credit advances and must continue to make at least the minimum payments described above for as long as it takes to pay off your account (the "repayment period").Minimum payment example: If you took a single $10,000 advance and the Annual Percentage rate was 6.750%, it would take seven years and one month to pay off the advance if you made only the minimum payments. During that time, you would make 84 payments of $150.00 and 1 payment of approximately $44.45. Other closing costs may apply. Property insurance is required. Flood Insurance may also be required. Rates, terms, APR and conditions are subject to change without notice and restrictions may apply. All loans subject to verification of equity. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. The maximum annual percentage rate that may be imposed is 18%. The minimum annual percentage rate is 3.00%. You can finance up to 80% of the appraised value minus existing mortgage obligations Membership eligibility is required. NMLS#784803. Loan rates are as of July 1, 2026, subject to change daily. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
Home Equity New-2021-New	-	-	7.50%	180 months
Details Maximum Term 180 months Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
Home Equity Used-2016-2020	-	-	12.50%	120 months
Details Maximum Term 120 months Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%

Katahdin Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Recreatonal Vehicle --(Model Year 2022 and Newer) Loan	-	-	3.99%
Details Annual Percentage Rate (APR.) for the above loans will vary based on the borrower's credit score and selected term. We use risk based pricing to determine rates. Please contact a Financial Service Representative for more information. Rates are subject to change. Membership eligibility is required. Other terms are available . Loan rates are as of July 1, 2026, subject to change daily. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
New Vehicle --(Model Year 2022 and Newer) Loan	-	-	3.99%	Up to 36 months
Details As Low As* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
New Vehicles Loan	-	-	3.99%	84 months
Details As low as; New vehicles/recreational vehicles can be financed for up to 100% of the sales price and used vehicles/recreational vehicles can be financed for up to 100% of the NADA value. Various rates and terms are available. If you are in the market for a new vehicle, we offer preapprovals. Call or visit one of our Financial Service Representatives to discuss your options. Once you determine the payment you can afford, and terms that are favorable for you, you can confidently start shopping. We also offer indirect loans originated at the car dealership. You can purchase your vehicle and finance your loan from the credit union all at the same time. Click here for a list of participating dealers. Vehicle year 2023 and newer (the vehicle has never been titled other than with dealer) 100% of purchase price maximum loan amount with 84 months is $25,000 Collision and comprehensive insurance required Debt Protection available GAP protection available Route 66 mechanical breakdown protection is available Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
New Vehicle --(Model Year 2022 and Newer) Loan	-	-	4.50%	37-48 months
Details As Low As* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
New Vehicle --(Model Year 2022 and Newer) Loan	-	-	4.70%	61-72 months
Details As Low As* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
Used Vehicle (Model Year 2018-2021) Loan	-	-	4.99%	Up to 36 months
Details As Low As;* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
Used Vehicle (Model Year 2018-2021) Loan	-	-	5.25%	37-48 months
Details As Low As;* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
New Vehicle --(Model Year 2022 and Newer) Loan	-	-	5.50%	73-84 months
Details As Low As*; over $25,000 only Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
Used Vehicle (Model Year 2018-2021) Loan	-	-	5.50%	49-60 months
Details As Low As;* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
Used Vehicle (Model Year 2018-2021) Loan	-	-	6.00%	61-72 months
Details As Low As;* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%
Used Vehicle Loans (Model Year 2017 and Older)	-	-	7.00%	up to 36 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.04%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Katahdin 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 Katahdin 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 Katahdin Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Katahdin Federal Credit Union

Website https://www.katahdinfcu.org

Address 1000 Central St, Millinocket, ME 04462 2101

Phone 207-723-9718

Fax 207-723-8426

President Rodney Daigle

CEO Tina Jamo

Full-Time Employees 21

Part-Time Employees 8

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+ (98/100)

Texas Ratio

4.04%

Return on Assets (ROA)

0.8964%

Return on Equity (ROE)

5.5709%

Non-Performing Loans Ratio (NPL)

0.98%

Total Assets

106,524,028

Total Amount of Shares and Deposits

89,055,425

Total Shares and Deposits < 1 Year

79,820,185

Total Shares and Deposits 1 3 Years

7,853,439

Total Shares and Deposits > 3 Years

1,381,801

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

4,455,368

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

4,455,368

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

84,600,057

Total Interest Expense (Sum of items 6 8)

897,295

Share Certificates

687

Number of Accounts for Share Drafts

3,736

IRA KEOGH Accounts

283

Number of Accounts for Regular Shares

9,246

All other shares

225

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)

12,886,601

Total Liabilities

89,458,581

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Katahdin Federal Credit Union

How many branches does Katahdin Federal Credit Union operate?

Katahdin 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 Katahdin Federal Credit Union?

Yes, to access services at Katahdin 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, Katahdin 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, Katahdin Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Katahdin Federal Credit Union offer online and mobile banking?

Most modern institutions like Katahdin 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: https://www.katahdinfcu.org.