Current Rates

Share Rates |  Loan Rates

Rates effective as of: 5/1/2019

Referral Bonus – Take 0.25% off the rate if your new loan was referred by a current member.  Current member gets 0.25% off their next loan for referring you!  (Up to maximum of 1.00% off rate, and not eligible for real estate, tuition, or overdraft protection loans.  No refinancing of loans currently with Maine Solutions FCU.  Must be used within 1 year.)

Loan Type New Rate Used Rate
New & Used 2019-2014  Vehicle/Motorcycle up to 60 mos.61 – 84 months *

3.750%**

 4.750%**

3.750%**

4.750%**

Used Vehicle 2013-2011 up to 60 mos. N/A 5.750%**
Share Secured Loan 3.000% above earned rate
Recreational Vehicle
(RVs, Snowmobiles, Boats)**
7.750%** 7.750%**
Personal Loan (Unsecured)
$500-$20000 60 mos.
12.750%**
Tuition Loan 10.000%
1st Mortgage Loan 180 months/80% loan to value maximum *** 3.750%
2nd Mortgage Loan 180 months/80% loan to value maximum *** 4.250%
CHIPS Protection Plan
(Overdraft Line of Credit)$500 – $1500 limits
15.00%

*$25 collateral insurance fee.  Minimum financing of $15,000 is required for vehicle loans over 60 months. Maximum terms depends on amount financed.

** Add 0.25% to rate if NOT paid via payroll deduction.

*** $750 processing fee, non-refundable

All quoted rates in APR = Annual Percentage Rate

A $100 loan refinance fee applies to most Maine Solutions FCU vehicle and personal loans – some restrictions apply

All loan rates are subject to change without notice.
Please see a loan officer if you have any questions.

lender

                                                         Share Rates

Rates effective as of 5/1/2019

Referral Bonus – Refer a new member and both of you get a $10 bonus!  When a new member opens an account at Maine Solutions FCU, we will deposit $10 into their account and $10 into the referring member’s account.  (Account must remain open for 6 months minimum or bonus will be reversed.)  No limit to number of new members you can refer!

Type of Account & Balance Rate Annual Percentage Yield (APY)
Share Account * 0.10% 0.10%
Club Account ** 0.20% 0.20%
Christmas Club Account 0.20% 0.20%
Checking (Share Draft) None N/A
Money Market
$0-$1999.99
$2000-$19999.99
$20,000-$74,999.99
        

$75,000.00 + 

None
0.40%
0.60% 

0.80%

None
0.40%
0.60% 

0.80%

IRA Savings 0.50% 0.50%
Certificates – $500 Minimum Deposit
3 Month Cert. 1.10% 1.10%
6 Month Cert. 1.50% 1.51%
12 Month Cert. 1.75% 1.76%
18 Month Cert. 2.00% 2.02%
24 Month Cert. 2.20% 2.22%
30 Month Cert. 2.30% 2.32%
36 Month Cert. 2.40% 2.43%
48 Month Cert. 2.60% 2.63%
60 Month Cert. 2.75% 2.78%


Dividends are paid monthly on the average daily balance in each account. Dividend rates are subject to change without notice. See our Rate and Fee schedule for details on fees and charges associated with our accounts.  Fees may reduce earnings on accounts.

On certificates, there is a substantial penalty for early withdrawal.

*$25.00 minimum to open account and earn dividends

**$.01 minimum to open account and earn dividends



This credit union is federally insured by the National Credit Union Administration

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