Rates & Fees

Click below to check our most current mortgage rates.

Check Rates

Deposit Accounts

Share, IRA Share, Clubs, Monty Moose, Escrows & HSA Share

Rate Annual Percentage Yield**
0.05% 0.05%

Special Savings, IRA Special Savings & HSA Special Savings

Range Rate Annual Percentage Yield**
$2,500.00 - $20,000.00 1.50% 1.51%
$20,001.00 - $75,000.00 1.75% 1.77%
$75,001.00 and up 2.00% 2.02%

Special Share Draft - Minimum balance: $2,500.00

Rate Annual Percentage Yield**
0.05% 0.05%

Share, IRA & HSA Certificates of Deposit

Term Rate Annual Percentage Yield**
6 Month 3.50% 3.56%
9 Month 3.50% 3.56%
12 Month 3.75% 3.82%
18 Month 3.75% 3.82%
2 Year 3.80% 3.87%
3 Year 3.80% 3.87%
4 Year 3.80% 3.87%
5 Year 3.80% 3.87%

Real Estate Loans

First Mortgages

Please see mortgage officer for current rates & terms.

Second Mortgages

Term Annual Percentage Rate* Annual Percentage Yield**
5 years 5.50% 5.544%
10 years 5.750% 5.773%
15 years 6.00% 6.016%

Home Equity Line of Credit

Owner occupancy required. Can be primary residence or second home in which the member resides for a minimum of six months. Limit to one equity product per Member.

Prime Equity

7.00% APR* Adjustable monthly (prime plus zero) Effective 12/01/2025

*Annual Percentage Rate
**Inquire within for loan to values - all real estate mortgages

Land Loans

Term Annual Percentage Rate*
5 years @ 7.99% APR = 8.41%
10 years @ 8.24% APR = 8.47%
15 years @ 8.49% APR = 8.66%

Up to 80% of Value if purchase
Up to 75% of value if refinance

Annual percentage rate based on $50,000.00

For Current Loan Rates, Please Call or Visit One of Our Branches

Main Office: 316 West River Road, Augusta, ME 04330 | (207) 623-5171
Oakland Branch: 35 Oak Street, Oakland, ME 04963 | (207) 465-4423
Waterville Branch: 299 Main Street, Waterville, ME 04901 | (207) 877-9474