Credit union · NCUA insured
Capital Area Federal Credit Union
A $71.7M credit union headquartered in Augusta, ME, with 3,957 members and 1 branch in Maine. Best rates: CDs 3.56% and savings 0.10% APY.
Capital Area Federal Credit Union Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#15 of 19 in Augusta, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Capital Area Federal Credit Union
Headquartered in Augusta, Maine, Capital Area Federal Credit Union is a member-owned credit union founded in 1954.
The credit union serves individuals and businesses located across Kennebec, Waldo, and Lincoln counties in Maine.
Tracing its earliest roots to 1935, the institution consolidated multiple predecessor credit unions before completing a merger with Kennebec County Federal Credit Union in 1994.
- Headquarters
- 2010 N Belfast ave, Augusta, ME 04330
- NCUA charter
- 9919
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Kennebec, Waldo, or Lincoln County, Maine, as well as businesses and other legal entities located there, are eligible for membership.
Family and household
- Relatives of current members or individuals residing in the same household (including domestic partners, foster children, and legal guardian relationships maintaining a single economic unit) are eligible to join.
Cost to join
- A $25.00 deposit into a share (savings) account is required upon joining.
Branches
1 branch in Maine
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Maine
1 branch
- Main OfficeMain office2010 N Belfast ave, Augusta, ME 04330Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.65% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.59% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.34% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $85 | $59 | — |
- CapitalNet worth ratio17.65%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.59%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.34%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$85Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Capital Area Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.