Capital Area Credit Union
Verified rate book
Current Capital Area Credit Union rates
22 published offers verified as of August 4, 2026.
Mortgage rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| First Mortgageother | 6.250% APR | 6.250% | — | Standard |
| First Mortgageother | 6.750% APR | 6.750% | — | Standard |
| First Mortgageother | 7.000% APR | 7.000% | — | Standard |
| First Mortgageother | 7.250% APR | 7.250% | — | Standard |
Personal loan rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 8.000% APR | 8.000% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 10.250% APR | 10.250% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 13.250% APR | 13.250% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 16.000% APR | 16.000% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 17.990% APR | 17.990% | — | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Visa Credit Cards (Share Secured)credit_card_secured | 5.990% APR | 5.990% | — | Standard |
| Credit Cardcredit_card | 8.250% APR | 8.250% | — | Standard |
Savings & CD rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Other Share Accounts* (Dividend Yield)share_savings | 0.05% APY | 0.05% | 36 mo | Standard |
| Dividend Yieldsavings | 0.05% APY | 0.05% | — | Standard |
| Other Share Accounts* (Dividend Yield)share_savings | 0.25% APY | 0.25% | 24 mo | Standard |
| Other Share Accounts* (Dividend Yield)share_savings | 1.00% APY | 1.00% | 48 mo | Standard |
| Dividend Yieldcd_18mo | 1.01% APY | 1.01% | 18 mo | Standard |
| Other Share Accounts* (Dividend Rate)share_savings | 2.29% APY | 2.29% | 60 mo | Standard |
| Other Share Accounts* (Dividend Yield)share_savings | 2.31% APY | 2.31% | 60 mo | Standard |
| Certificatecd | 3.25% APY | 3.25% | — | Standard |
| Dividend Yieldcd_6mo | 3.30% APY | 3.30% | 6 mo | Standard |
Other rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New (A+)other | 4.240% % | 4.240% | — | Standard |
| A+other | 4.500% % | 4.500% | — | Standard |
As of August 4, 2026, Capital Area Credit Union offers mortgage rates from 6.25% APR. Personal loan rates from 8% APR. Credit card rates from 5.99% APR. Savings and certificate yields up to 3.30% APY.
Source: RateAPI.dev, verified from Capital Area Credit Union's official website
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About Capital Area Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 4K
- Assets
- $71.7M
- Founded
- 1954
- Locations reported
- 3
- NCUA charter
- 9919
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Capital Area Credit Union
Membership eligibility from Capital Area Credit Union's own published criteria. How we verify this.
Community charter: live/work in Lincoln, Kennebec, Waldo
- LocationLincoln, Kennebec, Waldo
Verified from Capital Area Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Capital Area Credit Union?
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Frequently Asked Questions
What rates does Capital Area Credit Union offer?
Capital Area Credit Union currently offers mortgage, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Capital Area Credit Union rates updated?
RateAPI verifies Capital Area Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Capital Area Credit Union's rate data?
Rate data is collected directly from Capital Area Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Capital Area Credit Union's mortgage rate?
As of August 4, 2026, Capital Area Credit Union offers mortgage rates from 6.25% APR.
What is Capital Area Credit Union's personal loan rate?
As of August 4, 2026, Capital Area Credit Union offers personal loans from 8% APR.
What is Capital Area Credit Union's best CD rate?
As of August 4, 2026, Capital Area Credit Union offers savings and certificate (CD) yields up to 3.30% APY.
Related Rate Data
Compare Capital Area Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Capital Area Credit Union rates
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# Get rates for Capital Area Credit Union
curl "https://api.rateapi.dev/credit-unions/maine/capital-area" \
-H "Authorization: Bearer YOUR_API_KEY"