Credit union · NCUA insured
Capital Area Federal Credit Union Savings Rates
Capital Area Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Share (savings) Accounts. Rates checked October 22, 2026.
How Capital Area Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Augusta, ME, where Capital Area Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Capital Area Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $10
Regular Share (savings) Accounts
Top rate
Northeast Bank
3.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
2nd-highest rate
Camden National Bank
2.65%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $265
Capital Area Federal Credit Union savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Capital Area Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Escrow Accounts
2.31%APY
Escrow share account. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.31% | $231 |
Sources (1)
- capitalareafcu.org/personal-banking/share-cd-rates · captured Oct 15, 2026
Regular Share (savings) Accounts
Up to 0.10%APY
Minimum membership deposit amount is $25.00. Membership eligibility required. A $5 monthly fee applies if the account goes below $200 and has no activity for 6 months.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.05% | $5 |
| $10,000 – $40,000 | 0.10% | $10 |
| $40,000 and up | 0.15% | — |
Sources (2)
- capitalareafcu.org/personal-banking/savings-account
- capitalareafcu.org/personal-banking/share-cd-rates
All captured Oct 15, 2026
Special-purpose accounts
IRA Accounts
1.00%APY
Individual Retirement Account (IRA) share savings account. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (2)
- capitalareafcu.org/personal-banking/savings-account
- capitalareafcu.org/personal-banking/share-cd-rates
All captured Oct 15, 2026
Youth Accounts
0.25%APY
For youth: Monty Moose program is for children up to age 12, Teen Accounts are for ages 13-17. Membership eligibility required. Receives dividends on initial deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (2)
- capitalareafcu.org/personal-ba…onty-moose-youth-program
- capitalareafcu.org/personal-banking/share-cd-rates
All captured Oct 15, 2026
Club Accounts
0.05%APY
Includes all purpose and Christmas clubs. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
- capitalareafcu.org/personal-banking/savings-account
- capitalareafcu.org/personal-banking/share-cd-rates
All captured Oct 15, 2026
Who can join Capital Area Federal Credit Union
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.
Membership information collected October 4, 2026.