Capital Area

2010 N Belfast ave, Augusta, ME 04330

NCUA Insured4.1 (27 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Augusta, ME may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

2010 N Belfast ave

Augusta, ME 04330

Google Maps 🗺Waze

(207) 622-3442

Service Area

This credit union is located in Augusta and serves members in the ME area. Currently serving 3,971 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.16%

Used Auto Loan

8.20%

Personal Loan

11.70%

Credit Card APR

11.38%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in ME

Lowest rates currently reported by credit unions in ME (NCUA Q4 2025).

Central Maine— New Auto Loan

Lewiston, ME

4.48%

Central Maine— Used Auto Loan

Lewiston, ME

4.48%

Ancorum— Personal Loan

Bath, ME

6.00%

Atlantic Regional— Credit Card APR

South Portland, ME

2.49%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.1

27 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Mike Crocker

9 months ago

I have been a member for about 24 years with direct deposit. I have also had great luck with getting loans. So much that i brought my wife's loans over the cafcu. I would sadly say she has had a horrible time with her loan payments being made properly even after set up on auto pay. Our cards get blocked a few times because they dont take the proper amount for a payment and last i heard it was a fee to unlock the card. I feel they may have lost the personal touch they used to have and that's really unfortunate

Ice Karim

a year ago

Great staff, best service❤️❤️

Amanda Fournier

4 years ago

Good for shared branching and direct deposit but if you are looking to build any kind of dream by securing a loan they've "changed thejr policies" so good luck with that. Nit only that they will habe you agree to crazy ratew with promises to refinance in near future but that's neber an option. Not once in the 25 years Ive been a member have I felt like its "All about me". Everyones financial situation is different and if you want to be treared as such and accordingly, thats the bank for you! Very disappointed after I accepted terms for this cirrent loan with prospect that this would improve my credit. Very disppointed.

Summit Electric

2 years ago

As a small business owner I need a financial institution that is looking for my best option. The team at Capital area FCU fo that and more! Super friendly people. Id highly recommend them to anyone!