Capital Area Federal Credit Union

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A short history of Capital Area FCU

Since its inception in 1954 the Capital Area Federal Credit Union has been serving its members in the AUGUSTA, Maine area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Diana Winkley, the Capital Area FCU has grown its membership to over 3,795 with assets of more than $34,895,803. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (207) 622-3442 or email them at SUPPORT@CAPITALAREAFCU.ORG to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in AUGUSTA, ME.

General Information For Capital Area FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 9919
Address PO BOX 2626 
City AUGUSTA 
State Maine 
Zip-Code 04338
Phone Number (207) 622-3442
Fax Number (207) 623-2276
Email Address: SUPPORT@CAPITALAREAFCU.ORG
CEO/President Diana Winkley
Members 3,795 
Full-Time Employees 12 
Part-Time Employees
Number of Branch Offices
Total Assets 34,895,803 
Website https://WWW.CAPITALAREAFCU.ORG 

Compare Capital Area Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Maine State CU Capitol Street 200 Capitol St 04332 (207) 623-1851 No 0.72
Trademark CU Scarborough Branch 145 Pleasant Hill Rd 04104 (207) 883-3630 No 1.88
K V CU Waterville Branch 9 Quarry Rd 04901 (207) 877-9474 No 2.05
Connected CU 85 Civic Center Drive 85 Civic Center Drive 04330 (207) 623-3857 No 2.27
Gardiner CU Brunswick Avenue 420 Brunswick Ave 04345 (207) 582-2676 No 6.67

Capital Area Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Capital Area Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 13.50 3.85 7.13 5.62 5.93
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 477 257 553 337 333
Rank Among All Maine Credit Unions 21 22 45 30 26

Capital Area Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.34 N/A 0.97 3.05
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 82 N/A 179 8
Rank Among All Maine Credit Unions N/A 2 N/A 14 1
Capital Area Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 13.500557619,098
All Other Unsecured Loans/Lines of Credit 13.6807002,087,502
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.850731,696,127
Used Vehicle Loans 7.1308058,586,914
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.62014211,300,182
Total Other Real Estate Loans/Lines of Credit 5.93049764,970
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.3402822,842,128
TOTAL LOANS & LEASES 2,60827,896,921

Capital Area Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 535,777,3266605,267
    b. 15 Years or less 482,826,1507522,582
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 412,696,7063147,398

OTHER REAL ESTATE

Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 49764,97040330,890
Open-End Fixed Rate 0000
TOTALS 19112,065,152561,606,137

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Capital Area Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes