Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Maine
Daily average across every credit union lending in ME, past 90 days. Dashed line is the national FRED benchmark, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage rates in Maine
Credit unions lending in Maine
PeoplesChoice Credit Union is open to anyone who lives, works, or attends school in the Maine counties of York, Cumberland, Androscoggin, Aroostook, Franklin, Oxford, Penobscot, Piscataquis, or Somerset, as well as immediate family of current members.
Full membership is available to anyone who lives, works, worships, or attends school in Kennebec County or Somerset County, Maine. Immediate family members of current members and local businesses are also eligible to join.
Winthrop Area Federal Credit Union allows membership for individuals within its expanded field of membership. While specific details of the expanded field are not provided, applicants must provide documentation to verify their identity and eligibility for membership during the application process. Members must also maintain a minimum opening deposit of $10.00 in a Regular Share account. Mortgages
Membership is open to anyone who lives, works, attends school, or worships in the Maine counties of Androscoggin, Franklin, Hancock, Kennebec, Knox, Lincoln, Oxford, Somerset, or Waldo.
Membership is open to anyone who lives, works, worships, or attends school in Kennebec, Waldo, or Lincoln Counties in Maine. Immediate family members and individuals residing in the same household as an existing member are also eligible to join.
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
Membership is open to anyone who lives, works, worships, or attends school in the Maine towns of Lewiston, Auburn, Durham, Lisbon, Sabattus, Bowdoin, Topsham, or Pownal. Immediate relatives of current members are also eligible to join.
St. Mary’s Bank, the nation’s first credit union, is open to anyone regardless of location for a one-time $5 membership share purchase.
Membership is open to individuals who live, work, worship, or attend school in Hancock, Penobscot, Waldo, or Washington County, Maine. Immediate family members of current members and former members in good standing are also eligible to join.
Membership is open to individuals who live, work, worship, or attend school in Androscoggin County, Maine. Immediate family members of current credit union members are also eligible to join.
See which of these credit unions you can join
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Common questions
Twice a week — every Monday and Thursday. We re-read the publicly posted rate pages from every credit union that lends in Mainestarting around 11 a.m. Central.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
How do credit union mortgage rates in Maine compare to bank rates?
We don't publish bank rates, so the fairest comparison available is the national average across all lenders. Freddie Mac's weekly PMMS average puts the 30-year fixed rate at 7.24% as of October 29, 2026.
Of the 51 credit unions listed here lending in Maine with a 30-year fixed mortgage, 18 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 18, the median rate is 7.125% and the lowest is 6.25%, at SEABOARD. 12 of the 18 are below the national average.
We narrow the set because a rate bought down with points is not comparable to one without points.
One caveat in our favour and one against. Freddie Mac's average includes credit unions alongside banks, so it is a blended figure — if credit union rates sit below the blend, they sit further below a bank-only average. Against: since November 17, 2022, PMMS has used actual mortgage loan applications rather than a lender survey. Our figures are advertised rates, typically a lender's best tier, not application rates. Freddie Mac also stopped publishing average points then, so we can't confirm its point structure, while every rate in our comparison set is a zero-point rate. Freddie Mac's methodology.
More on reading these numbers: APR vs. interest rate vs. points and how we collect rates.
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