Credit union · NCUA insured
Maine State Credit Union
A $787.8M credit union headquartered in Augusta, ME, with 37,537 members and 5 branches in Maine. Best rates: CDs 3.50% and savings 0.85% APY.
Maine State Credit Union Carrot Score
83
Carrot Score
Higher than 63% of U.S. banks and credit unions
#10 of 19 in Augusta, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Maine State Credit Union
Established in 1935 when its original charter was approved, Maine State Credit Union maintains its main office in Augusta, Maine.
Originally known as Maine State Employees' Credit Union following state chartering in 1944, it adopted its current name in 2005 and merged with Greater Waterville Area FCU in 2006.
Dedicated to improving the financial lives of all Mainers, the credit union was founded to help members save and access fair, productive credit.
- Headquarters
- 200 Capitol St, Augusta, ME 04330-6238
- NCUA charter
- 63377
Branches
5 branches in Maine
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Maine
5 branches
Augusta area · 3
- Capitol StreetMain office200 Capitol St, Augusta, ME 04330Directions
- East Side162 Hospital St, Augusta, ME 04330Directions
- Waterville Branch81 Grove St, Waterville, ME 04901Directions
Portland area · 1
- Gray Branch25 Portland Rd, Gray, ME 04039Directions
Rockland area · 1
- Rockland Branch168 Camden St, Rockland, ME 04841Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.78% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.79% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.27% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio9.78%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.79%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.27%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Maine State Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.