Midcoast Credit Union

Freeport, Maine
Last verified: August 4, 2026
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Verified rate book

Current Midcoast Credit Union rates

42 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

14 offers
Midcoast Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Autos, Motorcycles, Light Duty Trucks, and Recreational Boatsmotorcycle_any_1mo4.490% APR4.490%1 moStandard
Auto & Recreational Loanauto_any_12mo4.490% APR4.490%12 moStandard
Auto Loanauto4.490% APR4.490%—Standard
Auto Loan, Refinanceauto4.490% APR4.490%—Standard
Auto & Recreational Loanauto_any_24mo5.240% APR5.240%24 moStandard
Autos, Motorcycles, Light Duty Trucks, and Recreational Boatsmotorcycle_any_2mo5.240% APR5.240%2 moStandard
Autos, Motorcycles, Light Duty Trucks, and Recreational Boatsmotorcycle_any_4mo5.740% APR5.740%4 moStandard
Auto & Recreational Loanauto_any_48mo5.740% APR5.740%48 moStandard
Auto & Recreational Loanauto_any_72mo6.240% APR6.240%72 moStandard
Autos, Motorcycles, Light Duty Trucks, and Recreational Boatsmotorcycle_any_6mo6.240% APR6.240%6 moStandard
and Travel Trailersrv_any_1mo6.240% APR6.240%1 moStandard
and Travel Trailersrv_any_2mo6.990% APR6.990%2 moStandard
and Travel Trailersrv_any_4mo7.490% APR7.490%4 moStandard
and Travel Trailersrv_any_6mo7.990% APR7.990%6 moStandard

HELOC rates

2 offers
Midcoast Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC Advantage Plusheloc_variable6.750% APR6.750%—Standard
HELOCKheloc7.125% APR7.125%—Standard

Personal loan rates

3 offers
Midcoast Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
120-Month Share-Secured Loanpersonal_secured_120mo3.050% APR3.050%120 moStandard
Debt Consolidation, Vacation, Energy Assistance, and morepersonal_unsecured_6mo11.490% APR11.490%6 moStandard
Personal Line of Creditploc_variable11.750% APR11.750%—Standard

Credit card rates

5 offers
Midcoast Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
BASICS Visacredit_card12.990% APR12.990%—Standard
APR* for Balance Transferscredit_card_balance_transfer12.990% APR12.990%—Standard
LOCAL REWARDS Visacredit_card_rewards13.490% APR13.490%—Standard
Annual Percentage Rate* (APR) for Purchasescredit_card13.490% APR13.490%—Standard
APR for Balance Transferscredit_card_balance_transfer13.490% APR13.490%—Standard

Savings & CD rates

12 offers
Midcoast Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Youth Special Purpose Savingssavings0.05% APY0.05%—Eligibility restricted
$0.00 - $10,000.00savings0.30% APY0.30%—Standard
$10,000.01 +savings0.35% APY0.35%—Standard
Peak Money Marketmoney_market0.50% APY0.50%—Standard
6-Month Certificatecd_6mo3.00% APY2.96%6 moStandard
12-Month Certificatecd_12mo3.12% APY3.08%12 moStandard
18-Month Certificatecd_18mo3.20% APY3.15%18 moStandard
24-Month Certificatecd_24mo3.27% APY3.22%24 moStandard
36-Month Certificatecd_36mo3.31% APY3.26%36 moStandard
48-Month Certificatecd_48mo3.35% APY3.30%48 moStandard
60-Month Certificatecd_60mo3.39% APY3.34%60 moStandard
Certificateshare_certificate3.59% APY3.59%—Standard

Other rates

6 offers
Midcoast Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
10 Month Special*other3.300% %3.250%—Standard
5 Month Special*other3.650% %3.590%—Standard
Margin as low asother5.000% %5.000%—Standard
Current APR* as low asother11.750% %11.750%—Standard
Annual Percentage Rate (APR*) for Purchasesother12.990% %12.990%—Standard
APR* for Cash Advancesother12.990% %12.990%—Standard

Vehicle loans available from 4.49% APR for 1 months. HELOC rates from 6.75% APR. Personal loan rates from 3.05% APR. Credit card rates from 12.99% APR. Savings and certificate yields up to 3.59% APY.

Source: RateAPI.dev, verified from Midcoast Credit Union's official website

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About Midcoast Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
16K
Assets
$266.9M
Founded
1956
Locations reported
5
NCUA charter
10898
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
  • First-time homebuyer program
  • 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.

Atlantic RegionalFreeport · Freeport · ME · 04032Branch in the same ZIPAncorumAncorum Credit Union · Yarmouth · ME · 04096About 5.1 miles awayCumberland CountyYarmouth · Yarmouth · ME · 04096-6923About 5.1 miles awayDowneastTopsham · Topsham · ME · 04086About 10.7 miles awayLisbon CommunityTemp Main Office · Lisbon · ME · 04250-6835About 12.3 miles awayEastmillSynergent/Mecul Services · New Gloucester · ME · 04260-5124About 12.9 miles away

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 Midcoast Credit Union

Membership eligibility from Midcoast Credit Union's own published criteria. How we verify this.

Community charter: live/work in Waldo, Knox, Lincoln +3 more

  • LocationWaldo, Knox, Lincoln, Sagadahoc, Cumberland, Androscoggin

Cost to join: About $5.

Verified from Midcoast Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Midcoast Credit Union?

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Frequently Asked Questions

What rates does Midcoast Credit Union offer?

Midcoast Credit Union currently offers vehicle loan, HELOC, 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 Midcoast Credit Union rates updated?

RateAPI verifies Midcoast 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 Midcoast Credit Union's rate data?

Rate data is collected directly from Midcoast Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Midcoast Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Midcoast Credit Union offers vehicle loans from 4.49% APR.

What is Midcoast Credit Union's HELOC rate?

As of August 4, 2026, Midcoast Credit Union offers home equity lines of credit from 6.75% APR.

What is Midcoast Credit Union's personal loan rate?

As of August 4, 2026, Midcoast Credit Union offers personal loans from 3.05% APR.

What is Midcoast Credit Union's best CD rate?

As of August 4, 2026, Midcoast Credit Union offers savings and certificate (CD) yields up to 3.59% APY.

Related Rate Data

Compare Midcoast Credit Union's rates against national credit-union benchmarks.

More Maine credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Midcoast Credit Union
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