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Deposit Rates

  • Checking
  • Savings and Money Markets
  • Certificates and IRAs

Today’s Date:

TitleDividend RateAnnual Percentage Yield
Coast Checking0.0%0.0%
Free4ME Account0.0%0.0%
Compass Checking0.0%0.0%
Thrive Debit0.0%0.0%
Impact Business Checking0.0%0.0%

Rates are subject to change without notice.

Today’s Date:

TitleDividend RateAnnual Percentage Yield
Member Savings0.05%0.05%
Special Purpose Savings0.05%0.05%
Sprout Savings0.05%0.05%
Youth Special Purpose Savings0.05%0.05%
Thrive Savings0.05%0.05%
Peak Money Market
$2,500.00 – $25,000.001.04%1.05%
$25,000.01 – $50,000.001.19%1.20%
$50,000.01 – $100,000.001.29%1.30%
$100,000.01 -$250,000.001.69%1.70%
$250,000.01+2.08%2.10%
Health Savings Account0.05%0.05%
Coverdell Education Savings Accounts
$0.00 – $10,000.00020%0.20%
$10,000.01 +0.25%0.25%
Impact Business Savings0.05%0.05%

*Special(s) if listed, are available for regular share certificates and traditional IRA certificates only, and require an active Midcoast account relationship to be eligible. An active relationship is defined as an active checking account or credit card with a minimum of five transactions in the last 30 days, or an active consumer or home loan. If no active relationship exists, Special APY will be less 0.25% for the stated term.

Rates are subject to change without notice.

Today’s Date:

TitleDividend RateAnnual Percentage Yield
Traditional and Roth Individual Retirement Accounts
$0.00 – $10,000.000.30%0.30%
$10,000.01 +0.35%0.35%
Share Certificates
6 Months3.20%3.25%
7 Month Special*4.79%4.90%
1 Year2.97%3.01%
13 Month Special*4.41%4.50%
18 Months2.97%3.01%
2 Year2.72%2.75%
3 Year2.47%2.50%
4 Year2.47%2.50%
5 Year2.47%2.50%
IRA Certificates
6 Months3.20%3.25%
7 Month Special*4.79%4.90%
1 Year2.97%3.01%
13 Month Special*4.41%4.50%
18 Months2.97%3.01%
2 Year2.72%2.75%
3 Year2.47%2.50%
4 Year2.47%2.50%
5 Year2.47%2.50%

*Special(s) if listed, are available for regular share certificates and traditional IRA certificates only, and require an active Midcoast account relationship to be eligible. An active relationship is defined as an active checking account or credit card with a minimum of five transactions in the last 30 days, or an active consumer or home loan. If no active relationship exists, Special APY will be less 0.25% for the stated term.

Rates are subject to change without notice.

Auto & Recreational Loans

  • Auto & Boat Loans
  • Other Secured

Autos, Motorcycles, Light Duty Trucks, and Recreational Boats

Today’s Date:

Apr* as Low asTerm in YearsMonthly Payment per $1000Minimum Loan Amount
5.49%1$85.83$1,000
6.24%2$44.43$2,000
6.24%3$30.53$3,000
6.74%4$23.83$5,000
6.74%5$19.68$7,500
7.24%6$17.16$12,500
7.24%7$15.21$25,000

Interest rates above apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 10 model years old and non-titled recreation boats up to 10 model years old.

*Annual Percentage Rate (APR) is accurate as of June 26, 2023 and is subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

Snowmobiles, Personal Watercrafts, ATVs, Campers, Motor Homes, and Travel Trailers

Today’s Date:

Apr* as Low asTerm in YearsMonthly Payment per $1000Minimum Loan Amount
7.24%1$86.64$300
7.99%2$45.22$2,000
7.99%3$31.33$3,000
8.49%4$24.64$5,000
8.49%5$20.51$7,500
8.99%6$18.02$12,500
8.99%7$16.08$17,500

Interest rates above apply to loans secured by non-titled personal recreational collateral and other chattel.

Includes titled vehicles and boats 11 to 15 model years old and recreational equipment up to 10 model years old.

*Annual Percentage Rate (APR) is accurate as of June 26, 2023 and is subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

Personal Loans

  • Personal Loans
  • Credit Builder
  • Personal Line of Credit

Debt Consolidation, Vacation, Energy Assistance, and more

Today’s Date:

Apr* as Low asTerm in YearsMonthly Payment per $1000Minimum Loan AmountMaximum Loan Amount
10.74%1$88.26$300$25,000
11.49%2$46.84$1,500$25,000
11.49%3$32.97$2,000$25,000
11.99%4$26.33$2,500$25,000
11.99%5$22.24$5,000$25,000
12.49%6$19.81$15,000$25,000

*Annual Percentage Rate (APR) is accurate as of June 26, 2023 and is subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

Certificate and Share Secured Loans

Today’s Date:

APR* as low asMaximum Term**Monthly Payment per $1,000Minimum Loan AmountMaximum Loan Amount
3.05%120 MonthsTerm DependentN/AN/A

*Annual Percentage Rate (APR) is accurate as of January 2, 2023 and is subject to change without notice. Loan rate will be calculated at 3% over the dividend rate earned on deposit securing loan. Maximum term is 120 months. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

Overdraft Protection, Vacation, Emergencies, and more

Today’s Date:

Line of Credit
Current APR* as low as13.50%
APR*Variable
IndexPrime Rate as published in the Wall Street Journal
Margin as low as5.00%
APR* Adjustment CycleMonthly
PaymentMinimum payment is 2.5% of the balance or $50,00, whichever is greater
Minimum Line Amount$500.00
Maximum Line Amount$25,000
Minimum Transfer Amount$100.00

*Annual Percentage Rate (APR) is variable and is based on the highest Prime Rate published each day in The Wall Street Journal Money Rates Table (the “Index”), plus a margin. The index as of the last change date of July 27, 2023 is 8.50%. Rates are subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

HELOC Loans

  • HeLOCK
  • HELOC Advantage Plus

Today’s Date:

Maximum Combined Loan to Value80%90%
Current APR* as low as7.00%7.50%
Interest RateFixedFixed
Draw PeriodFirst 5 YearsFirst 5 Years
RepaymentInterest Only repayment required for the first 5 years followed by a 15 amortizationInterest Only repayment required for the first 5 years followed by a 15 amortization
Minimum Loan Amount$20,000$20,000
Property TypePrimary Residence and Second HomesPrimary Residence and Second Homes

*Annual Percentage Rate (APR) is fixed and is accurate as of February 26, 2024. Rates are subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

Today’s Date:

Maximum Combined Loan to Value80%90%
Current APR* as low as8.50%9.00%
APR*VariableVariable
IndexPrime Rate as published in the Wall Street JournalPrime Rate as published in the Wall Street Journal
Margin as low as0.00%0.50%
APR* Adjustment CycleMonthlyMonthly
Draw PeriodFirst 10 YearsFirst 10 Years
RepaymentInterest Only repayment required for the first 10 years followed by a 20 amortizationInterest Only repayment required for the first 10 years followed by a 20 amortization
Minimum Loan Amount$20,000$20,000
Property TypePrimary Residence and Second HomesPrimary Residence and Second Homes

*Annual Percentage Rate (APR) is variable and is based on the highest Prime Rate published each day in The Wall Street Journal Money Rates Table (the “Index”), plus a margin. The index as of the last change date of July 27, 2023 is 8.50%. Rates are subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

Credit Card Rates

  • LOCAL REWARDS Visa®
  • BASICS Visa®

Today’s Date:

TypeInterest Rates and Interest Charges
Annual Percentage Rate* (APR) for Purchases15.24% to 17.99% when you open your account, based on your creditworthiness. Your APR will be based on the Prime Rate plus a margin and will vary with the market based on the Prime Rate
APR for Balance TransfersYour APR will be 15.24% to 17.99% based on your credit worthiness. Your APR will be based on the Prime Rate plus a margin and will vary with the market based on the Prime Rate.
APR for Cash Advances 15.24% to 17.99% when you open your account, based on your creditworthiness. Your APR will be based on the Prime Rate plus a margin and will vary with the market based on the Prime Rate.
How to Avoid Paying InterestYour due date is 21 days after the close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
FeesNo Annual Fee
Transaction Fees3% of advance amount for Cash Advances

LOCAL REWARDS Visa®: *Annual Percentage Rate (APR) is accurate as of December 27, 2023 and is subject to change without notice. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. The annual percentage rate is variable and based on the Margin determined by your credit qualifications. The Margin is added to the prime rate published in The Wall Street Journal on the 25th day of each month; or if no rate is published on that day, the immediately preceding published rate (the “Index”). Your rate may change (increase or decrease) effective on the 1st day of each billing period when the Index changes and can be as low as 15.24% APR and not greater than 17.99% APR. All LOCAL REWARDS applications are subject to approval. LOCAL REWARDS Visa Rewards are provided by uChoose®. Terms and conditions are located at uChooseRewards.com.

Today’s Date:

TypeInterest Rates and Interest Charges
Annual Percentage Rate (APR*) for PurchasesYour APR will be 12.99% – 17.99% based on your creditworthiness when you open your account.
APR* for Balance TransfersYour APR will be 12.99% – 17.99% based on your creditworthiness when you open your account.
APR* for Cash Advances12.99% – 17.99% based on your creditworthiness when you open your account.
How to Avoid Paying InterestYour due date is 21 days after the close of each billing cycle. We will not charge interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
FeesNo Annual Fee
Transaction Fees3% of advance amount for Cash Advances.

BASICS Visa® : *Annual Percentage Rate (APR) is accurate as of November 13, 2023 and is subject to change without notice. All BASICS credit card applications are subject to approval. The annual percentage rate is fixed and can be as low as 12.99% APR and no greater than 17.99% APR. Other rates and terms available for qualified borrowers. Actual interest rate may differ based on credit history. Subject to credit approval. Additional terms and conditions may apply.

Mortgage

Mortgage Rates

Mortgage rates change frequently and vary based on many factors in the application such as the borrower’s creditworthiness, property type, owner-occupancy status, loan purpose, and loan-to-value percentage. For daily rate indications, please visit our Mortgage Web Center.