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Katahdin Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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| iEditorial Disclosure
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: October 12, 2026

Katahdin Federal Credit Union's top rates as of October 12, 2026 are 4.07% APY on its CDs - 9 month CD, 0.25% APY on savings, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Katahdin Federal Credit Union CD rates include IRA CDs - 12 month at 3.97%, CDs - 12 month at 3.97%, and IRA CDs - 18 month at 3.76%. 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 4.02%. Rates last updated and verified on 10/12/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 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 ?
4.02%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Katahdin Federal Credit Union
Katahdin Federal Credit Union
1000 Central St
Millinocket, ME 04462-2101
https://www.katahdinfcu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Katahdin Federal Credit Union CD Rates

Product Rate APY Term View More
Share Certificates - 9 month 4.00% 4.07% 9 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
IRA Certificates - 12 month 3.90% 3.97% 12 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 18, 2026: 3.97% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Share Certificates - 12 month 3.90% 3.97% 12 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 18, 2026: 3.97% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
IRA Certificates - 18 month 3.70% 3.76% 18 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
IRA Certificates - 24 month 3.70% 3.76% 24 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Share Certificates - 18 month 3.70% 3.76% 18 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Share Certificates - 24 month 3.70% 3.76% 24 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
IRA Certificates - 36 month 3.65% 3.71% 36 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Share Certificates - 36 month - 3.71% 36 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic; Dividend rate printed as 3.65/% on source
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
IRA Certificates - 48 month 3.60% 3.66% 48 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Share Certificates - 48 month 3.60% 3.66% 48 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
IRA Certificates - 60 month 3.50% 3.56% 60 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Share Certificates - 6 month 3.50% 3.56% 6 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Share Certificates - 60 month 3.50% 3.56% 60 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Share Certificates - 3 month 2.00% 2.02% 3 month
Min Deposit $500
Details Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Sep 18, 2026: 2.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%

Katahdin Federal Credit Union Savings Rates

Product Rate APY View More
Share Savings 0.25% 0.25%
Min Deposit $25,000
Min Balance $25,000
Details Balance: $25,000.01 & up; Dividends compound monthly; Dividends credited monthly; Dividend period monthly; Balance method: Avg. Daily Balance
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Share Savings 0.15% 0.15%
Min Deposit $2,000
Min Balance $2,000
Details Balance: $2,000.01-$25,000.00; Dividends compound monthly; Dividends credited monthly; Dividend period monthly; Balance method: Avg. Daily Balance
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 17, 2026: 0.15% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Share Savings 0.05% 0.05%
Min Deposit $25
Min Balance $25
Details Balance: $25.00-$2,000.00; Dividends compound monthly; Dividends credited monthly; Dividend period monthly; Balance method: Avg. Daily Balance
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 17, 2026: 0.05% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%

Katahdin Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 7.00%
Details Variable; Index: CMT (plus); Margin 3.00%; Fixed N/A; Draw period 3 years; Minimum APR 3.00%, maximum 18%
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 8, 2026: 7.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%

Katahdin Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicle (Model Year 2022 and Newer) Loan - - 3.99% Up to 36 months
Details As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
New Vehicle (Model Year 2022 and Newer) Loan - - 4.50% 37-48 months
Details As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
New Vehicle (Model Year 2022 and Newer) Loan - - 4.50% 49-60 months
Details As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
New Vehicle (Model Year 2022 and Newer) Loan - - 4.70% 61-72 months
Details As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.70% APR · checked 7 times
4.20%4.70%5.20%Sep 14, 2026: 4.70% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
New Recreatonal Vehicle --(Model Year 2022 and Newer) Loan - - 4.99% Up to 36 months
Details As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
New Recreatonal Vehicle --(Model Year 2022 and Newer) Loan - - 4.99% 37-48 months
Details As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Used Vehicle (Model Year 2018-2021) Loan - - 4.99% Up to 36 months
Details As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
New Recreatonal Vehicle --(Model Year 2022 and Newer) Loan - - 5.15% 49-60 months
Details As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.15% APR · checked 8 times
4.65%5.15%5.65%Sep 14, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Used Vehicle (Model Year 2018-2021) Loan - - 5.25% 37-48 months
Details As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
New Recreatonal Vehicle --(Model Year 2022 and Newer) Loan - - 5.50% 61-72 months
Details As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
New Vehicle (Model Year 2022 and Newer) Loan - - 5.50% 73-84 months
Details As Low As; Loan amount over $25,000 only; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Used Vehicle (Model Year 2018-2021) Loan - - 5.50% 49-60 months
Details As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
New Recreatonal Vehicle --(Model Year 2022 and Newer) Loan - - 6.00% 73-84 months
Details As Low As; APR varies by borrower's credit score and selected term; risk-based pricing; membership eligibility required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 8 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Used Vehicle (Model Year 2018-2021) Loan - - 6.00% 61-72 months
Details As Low As; Used vehicles must be listed in the NADA used car guide; APR varies by credit score and selected term
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Used Vehicle Loans (Model Year 2017 and Older) - - 7.00% Up to 36 months
Details As Low As; APR varies by credit score and selected term; risk-based pricing; membership eligibility required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 7 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%

Katahdin Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Used Recreational Vehicle Loan - 5.25% Up to 36 months
Details As Low As; Used recreational vehicles must be listed in the NADA used car guide; Membership eligibility is required; Model Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Used Recreational Vehicle Loan - 6.00% 37-48 months
Details As Low As; Used recreational vehicles must be listed in the NADA used car guide; Membership eligibility is required; Model Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 12, 2026: 6.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Used Recreational Vehicle Loan - 6.25% 49-60 months
Details As Low As; Used recreational vehicles must be listed in the NADA used car guide; Membership eligibility is required; Model Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Used Recreational Vehicle Loan - 6.50% 61-72 months
Details As Low As; Used recreational vehicles must be listed in the NADA used car guide; Membership eligibility is required; Model Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 12, 2026: 6.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%

Katahdin Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loans 9.99% Up to 60 months
Details As Low As; Variable; Index: Prime (plus); Margin 2.99%; Payment per $1000 87.92 (12 months) not a rate
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74%
9.24%9.87%10.49%Sep 14, 2026: 9.74% APROct 4, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20269.99%▲ from 9.74%
  • Sep 14, 20269.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%

Katahdin Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Camps (Leased Land Loans) - - 8.00% Maximum 120 months
Details Printed as 8.00% (8.189%*); *APR of 5.681% based on assumption of $50,000 financed for 120 months including $410.00 application/flood certification; Payment per $1000 financed: 12.14 (120 months); Lease must be assignable; loan term cannot exceed the lease agreement; Membership eligibility required
Last Updated 10/12/2026
Rate History
1 change since Oct 8, 2026 · 8.19% → 8.00% ▼ 0.19 pts · high 8.19% / low 8.00%
7.50%8.09%8.69%Oct 8, 2026: 8.19% APROct 12, 2026: 8.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20268.00%▼ from 8.19%
  • Oct 8, 20268.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Computer Loans - 12 months - - 6.99% 12 months
Details Fixed APR; Membership eligibility is required; Borrow up to $2000.00 for up to 24 months at the low rate of 6.99% APR
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Computer Loans - 24 months - - 6.99% 24 months
Details Fixed APR; Membership eligibility is required; Borrow up to $2000.00 for up to 24 months at the low rate of 6.99% APR
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Fuel Loan - - 3.99% 12 months
Details Annual Percentage Rate (fixed); Available for a Limited Time Only; Membership eligibility is required
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 3.99% ▼ 3.00 pts · high 6.99% / low 3.99%
0.99%5.49%9.99%Sep 14, 2026: 6.99% APROct 4, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.99%▼ from 6.99%
  • Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Heating System Loans - - 6.25% 12 months
Details As Low As; Payment per $1000 $86.18 (12 months) not a rate
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Holiday Loans - - 5.99% 12 months
Details Limited time offer; borrow up to $3,000; membership eligibility required; loan rates as of October 1, 2026, subject to change
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Land Only Loan - - 6.25% Max Term 144 months
Details Fixed; Payment per $1000 $9.90 (144 months) not a rate
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Mobile Home and Land - 2011-2015 Loan - - 10.00% 120 months
Details Term: Maximum Term 120 months; Model Year: 2011-2015; Maximum Term 120 months; Payment per $1000: $13.22 (120 months)
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 10.00% APR · checked 2 times
9.50%10.00%10.50%Oct 8, 2026: 10.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Mobile Home and Land - 2016-2020 Loan - - 9.50% 180 months
Details Term: Maximum Term 180 months; Model Year: 2016-2020; Maximum Term 180 months; Payment per $1000: $10.46 (180 months)
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 9.50% APR · checked 2 times
9.00%9.50%10.00%Oct 8, 2026: 9.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Mobile Home and Land - 2021-New Loan - - 7.50% 180 months
Details Term: Maximum Term 180 months; Model Year: 2021-New; Maximum Term 180 months; Payment per $1000: $9.28 (180 months)
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 8, 2026: 7.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Mobile Home without Land - New-2021-New Loan - - 7.50% 180 months
Details Term: Maximum Term 180 months; Payment per $1000: $9.28 (180 months)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Mobile Home without Land - Used-2016-2020 Loan - - 12.50% 120 months
Details Term: Maximum Term 120 months; Payment per $1000: $14.64 (120 months)
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 12.50% APR
12.00%12.50%13.00%Oct 12, 2026: 12.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
Streamline Lines of Credit Loan - - 9.99%
Details As Low As; Variable; Open-end line of credit tied to checking; Index: Prime (plus); Margin 2.99%; Floor equals margin in effect
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74%
9.24%9.87%10.49%Sep 14, 2026: 9.74% APROct 12, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
  • Oct 12, 20269.99%▲ from 9.74%
  • Sep 14, 20269.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
IRA Share Accounts 0.50% - 0.50%
Min Deposit $25
Min Balance $25
Details Dividends compound monthly; dividends credited monthly; dividend period monthly; balance method Avg. Daily Balance
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.02%
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.
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Financial Health History

Katahdin Federal Credit Union’s Texas Ratio rose from 3.29% in Q3 2023 to 4.02% in Q2 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 — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.4% 2.0★ 2.8% 3.0★ 4.2% 4.0★ 5.6% 5.0★ Healthy zone – entire history below the 15% limit 3.29% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.02% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$111M4.02%5.0A+
March 31, 2026$110M2.99%5.0A+
December 31, 2025$108M4.12%5.0A+
September 30, 2025$107M4.04%5.0A+
June 30, 2025$107M3.82%5.0A+
March 31, 2025$105M2.26%5.0A+
December 31, 2024$100M3.16%5.0A+
September 30, 2024$101M2.99%5.0A+
June 30, 2024$99M2.69%5.0A+
March 31, 2024$98M3.24%5.0A+
December 31, 2023$95M3.69%5.0A+
September 30, 2023$96M3.29%5.0A+
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 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 Joseph Clark
CEO Tina Jamo
Full-Time Employees 22
Part-Time Employees 7
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
4.02%
Return on Assets (ROA)
0.6045%
Return on Equity (ROE)
3.6832%
Non-Performing Loans Ratio (NPL)
1.02%
Total Assets
110,937,353
Total Amount of Shares and Deposits
92,527,653
Total Shares and Deposits < 1 Year
88,577,894
Total Shares and Deposits 1 3 Years
2,741,829
Total Shares and Deposits > 3 Years
1,207,930
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,252,127
Total Uninsured Shares and Deposits > $250K (F+J)
4,252,127
Total Insured Shares and Deposits > $250K (item 17 less item K)
88,275,526
Total Interest Expense (Sum of items 6 8)
573,625
Share Certificates
749
Number of Accounts for Share Drafts
3,727
IRA KEOGH Accounts
281
Number of Accounts for Regular Shares
9,219
All other shares
247
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)
10,123,954
Total Liabilities
92,829,773
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Katahdin Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       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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☆☆☆☆☆
Total Reviews
0
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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.

Current Katahdin Federal Credit Union Rates

  • 12-Month CD3.97%
  • 18-Month CD3.76%
  • 24-Month CD3.76%
  • 60-Month CD3.56%
  • Savings0.25%
Retrieved from our database of financial products. Rates subject to change.

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