Like an ATM only better!
Interactive Teller Machines (ITM) are being added to our branches to better serve our members' needs.
Benefits You'll Love
- Free Benefit to Credit Union Members
- Ability to use as an ATM anytime
- Access to secure video chat with a teller during service hours
An Interactive Teller Machine (ITM) combines the convenience of an ATM with the added support of a live teller available through secure video technology during service hours. Members can complete many everyday banking transactions while still speaking directly with a Community Credit Union representative when assistance is needed.
Accessing an ITM is easy using one of the following ways:
- Card Access: Insert or Tap your Community Credit Union Visa® Debit Card to access your accounts.
- Touch the screen to talk to a Teller and be assisted with your transaction.
Where can I find an ITM?
Community Credit Union is upgrading our current ATMs at 144 Pine Street, Lewiston, 40 Stanley Street, Auburn and 1025 Auburn Road, Turner to ITMs in summer 2026.
Are Business Accounts accessible at an ITM?
Yes! Business members can access their accounts using the Teller Assisted or Self-Service options.
Is the ITM available 24/7?
While the ITM is available 24/7 at a Community Credit Union branch, a live Member Representative will only be available during service hours.
What types of transactions can an ITM perform?
Using an ITM, you can:
- Deposit Money
- Take Out Cash
- Deposit Checks
- Check Account Balances
- Transfer Between Accounts
- Make Loan Payments
- Get assistance during service hours from a Member Representative
Can the ITM accept cash deposits in bulk?
Yes! The ITM can accept cash deposits in bulk instead of one bill at a time. (Up to 30 bills)
Can the ITM accept check deposits in bulk?
Yes! The ITM can accept check deposits in bulk instead of one check at a time. (Up to 10 checks)
Do I have to enter the check amount for check deposits?
No, the ITM can read the check amount and will confirm the value with you.
Can I print an official check at an ITM?
ITMs cannot print official checks. Official checks can still be printed at the Teller Line of any Community Credit Union branch.
What denominations can ITMs disburse?
The ITM can disburse $1, $5, $20, and $50 bills.
Are there limitations to cash deposits at the ITM?
There are no limitations to the dollar amount of cash that can be deposited at an ITM, only the number of bills the machine can accept at one time.
Can the ITM accept or disburse coin?
The ITM cannot accept or disburse coin at this time.
Will the ITM be 'Out of Service" if it is out of specific denominations?
No, the ITM will remain in service. If the ITM is out of a specific denomination, it will substitute different denominations. If it cannot fulfill the requested withdrawal amount, it will prompt you to select another dollar amount.
If I am depositing a check but cancel the transaction, will the ITM return the check to me?
Yes, the ITM will return the check if the transaction has not been completed.
If I walk away from the ITM without "Logging Off", will the ITM time out?
Yes, the ITM will time-out if a Member walks away without “Logging Off” their transaction. The machine will make a beeping sound to alert you that your card has been left in the machine. A message will also display that asks, “Do you want to continue?” If this is chosen, it will require your PIN to be entered again to ensure that only you, the account owner, can transact.
Can a non member perform a transaction at an ITM?
Yes! The ITM will function as an ATM for nonmembers. Fees may apply. Currently, nonmembers can check their balances and transfer or withdrawal funds from their accounts at other financial institutions.
Is the ITM posting transactions in "Real Time"?
Share deposits and withdrawals are completed in real time.
Are loan payments posted in "Real Time"?
All payments are posted in “real time”, with the exception of credit cards and mortgages, which can take up to 2 additional business days to reflect the payment in the balance. For these, the effective date will be the date the payment was transacted on.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
APY Disclosure - Deposits
APY** = Annual Percentage Yield. Rates effective as of 09/23/24. Fees may reduce earnings.
ATVs, Motorcycles, Snowmobiles, Lawn Tractors
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 6.00% APR* | $86.09 |
| 2 years | 6.00% APR* | $44.33 |
| 3 years | 6.00% APR* | $30.43 |
| 4 years | 6.50% APR* | $23.73 |
| 5 years | 6.50% APR* | $19.58 |
| 6 years** | 6.75% APR* | $16.94 |
Click to see Rate Discounts. Collateralized Loans require full coverage insurance. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Recreational Vehicle rates apply to 2015-current model years. **2026 Untitled Motorcycle units may go up to 72 months. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Career Advancement Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 8.75% APR* | $87.35 |
| 2 years | 8.75% APR* | $45.58 |
| 3 years | 9.25% APR* | $31.93 |
| 4 years | 9.25% APR* | $25.01 |
| 5 years | 9.75% APR* | $21.13 |
| 6 years | 10.00% APR* | $18.54 |
| 7 years | 10.00% APR* | $16.61 |
| 10 years | 11.75% APR* | $14.21 |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000. Career Advancement Loans may be deferred up to 180 days from disbursement date. Interest will continue to accrue.
Certificate Secured Loans
| Term | Rates As Low As |
|---|---|
| 6 Months | 6.40% APR* |
| 1 Year | 6.40% APR* |
| 2 Years | 6.90% APR* |
| 3 Years | 6.90% APR* |
| 4 Years | 7.00% APR* |
| 5 Years | 7.00% APR* |
Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Certificates
| Term | Dividend Rate | APY** |
|---|---|---|
| 6 Months | 3.40% | 3.45% |
| 12 Months | 3.40% | 3.45% |
| 2 Years | 3.40% | 3.45% |
| 3 Years | 3.40% | 3.45% |
| 4 Years | 3.50% | 3.56% |
| 5 Years | 3.50% | 3.56% |
Minimum balance to open the account and earn the APY is $500 for Share Certificates, Traditional, SEP, Roth and Educational IRAs. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA. Rates are subject to change without notice. Fees could reduce the earnings on this account. Early withdrawal penalties may apply. **APY = Annual Percentage Yield.
Credit Builder Loans
| Term | Rates As Low As |
|---|---|
| 12 Months | 0% APR* |
| 18 Months | 0% APR* |
| 24 Months | 0% APR* |
Loan amount not to exceed $2,000. Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Deposit Rate Effective Date
APY** = Annual Percentage Yield. Rates effective as of 05/11/26. Fees may reduce earnings.
Health Savings Accounts
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| $100 - $1,000 | 0.05% | 0.05% |
| $1,000.01 - $5,000 | 0.05% | 0.05% |
| $5,000.01 - $10,000 | 0.10% | 0.10% |
| $10,000.01+ | 0.15% | 0.15% |
There is no minimum balance to open the account. Minimum balance to earn the APY is $100 for Health Savings Accounts. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Home Equity Loans
| Type | Rates as Low as |
|---|---|
| Home Equity (up to 80% LTV) | 8.50% APR* |
| No Equity Home Equity (up to 95% LTV) | 9.75% APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union's standard rate. The rate may vary depending on each individual's credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. This is a mortgage product and may be subject to additional fees such as appraisal and/or title. Homeowners insurance required. Flood insurance required when necessary. Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.
Jumbo Certificates
| Term | Divided Rate | APY** |
|---|---|---|
| 6 Months | 3.65% | 3.71% |
| 12 Months | 3.65% | 3.71% |
| 2 Years | 3.65% | 3.71% |
| 3 Years | 3.65% | 3.71% |
| 4 Years | 3.75% | 3.82% |
| 5 Years | 3.75% | 3.82% |
Jumbo Certificates have a minimum balance of $100,000. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA.
** Rates are subject to change without notice. Membership eligibility required. A penalty may be imposed for early withdrawal. Contact a Relationship Specialist for more information on applicable fees and terms. Minimum balance required for a share account at Community Credit Union is $5. Rates are subject to change without notice. Membership eligibility is required. Some restrictions may apply. This Credit Union is federally insured by NCUA and is an Equal Housing Lender.
Kasasa Cash*
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| 0 - $10,000 | 3.928% | 4.00% |
| $10,000+ | 0.25% | 0.59% to 4.00% |
| All balances if qualifications not met | 0.05% | 0.05% |
*Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Kasasa Saver*
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| 0 - $15,000 | 1.24% | 1.25% |
| $15,000+ | 0.25% | 0.38% to 1.25% |
| All balances if qualifications not met | 0.05% | 0.05% |
*Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Lines of Credit
| Type | Rates As Low As |
|---|---|
| Lifeline of Credit | 6.75% Prime** + APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. Subject to credit approval. Rates are subject to change without notice. Maximum line of credit is $20,000.
**Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.
Loan Rate Effective Date
APR* = Annual Percentage Rate. Rates effective as of 05/11/2026. Fees may reduce earnings.
Manufactured Housing
| Type | Rates As Low As |
|---|---|
| Modular | Rates change daily. Contact a Loan Officer for current rates. |
| Singlewide | Rates change daily. Contact a Loan Officer for current rates. |
Rates are subject to change without notice. Down-payment may be required to purchase real estate. Homeowners insurance required. Flood insurance required when necessary.
Money Markets
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| $2,500 - $24,999.99 | 1.60% | 1.61% |
| $25,000 - $74,999.99 | 1.85% | 1.87% |
| $75,000 or more | 2.10% | 2.12% |
Minimum balance to open the account and earn the APY is $2,500 for Money Markets. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Mortgages
| Type | Rates As Low As |
|---|---|
| 1st Mortgages | Rates change daily. Contact a Loan Officer for current rates. |
| Land | Rates change daily. Contact a Loan Officer for current rates. |
| Construction | Rates change daily. Contact a Loan Officer for current rates. |
| Land and Manufactured Housing | Rates change daily. Contact a Loan Officer for current rates. |
Community Credit Union partners with CUSO Mortgage.Click here for rates and more information on CU Promise and CU Advantage.
Rates are subject to change without notice. Down-payment may be required to purchase real estate. The credit union may lend up to 95% of the appraised value or cash selling price, whichever is less. Hazard insurance required. PMI may be required. Homeowners insurance required. Flood insurance required where necessary. Excludes manufactured home and land. Property must be your primary residence, 1-4 family, owner occupied to qualified borrower only.
Motorcoaches, RV's, Boats and Travel Trailers
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 6.00% APR* | $86.09 |
| 2 years | 6.00% APR* | $44.33 |
| 3 years | 6.00% APR* | $30.43 |
| 4 years | 6.50% APR* | $23.73 |
| 5 years | 6.50% APR* | $19.58 |
| 6 years | 6.75% APR* | $16.94 |
| 7 years | 7.00% APR* | $15.10 |
| 10 years | 7.85% APR* | $12.06 |
| 12 years | 8.25% APR* | $10.97 |
| 15 years | 8.50% APR* | $9.86 |
Click to see Rate Discounts. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Collateralized Loans require full coverage insurance. Recreational Vehicle rates apply to 2015-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
New/Used Auto Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 5.15% APR* | $85.69 |
| 2 years | 5.15% APR* | $43.95 |
| 3 years | 5.15% APR* | $30.05 |
| 4 years | 5.50% APR* | $23.27 |
| 5 years | 5.50% APR* | $19.11 |
| 6 years | 5.65% APR* | $16.42 |
| 7 years | 6.75% APR* | $14.98 |
Click to see Rate Discounts. Loans require full coverage insurance. Rates are subject to change without notice. New/Used Auto rates apply to 2015-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Auto Term Guide
- Not actual mileage, add 2.00% APR*
- Salvage Vehicles, add 2.50% APR* (100% financing not available)
One Payment Notes
| Type | Term | Rates As Low As |
|---|---|---|
| Secured | 12 Months | 11.50% APR* |
| Unsecured | 12 Months | 14.50% APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice.
Rate Discounts
| Discount | |
|---|---|
| Auto PayAuto Pay is when you authorize the Credit Union to set up a recurring payment transfer for your loan on a regular basis (weekly, bi-weekly, monthly). This can be set up to transfer from an account at Community Credit Union or an ACH payment using your checking and routing number from another financial institution. | |
| Debt ProtectionDebt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. We offer a Debt Protection Plan through TruStage Insurance Agency which provides a voluntary payment protection product that can provide financial assistance to cover your loan balance or monthly payment(s). Protected events include: loss of life, disability or involuntary unemployment. Simple eligibility requirements help ease the enrollment process. | |
| GAP**Guaranteed Auto Protection (GAP) is valuable coverage offered to car buyers as part of the auto loan process. GAP pays the difference between the actual cash value (ACV) of an insurance company settlement and the eligible balance of your auto loan in the event your vehicle is stolen or damaged beyond repair. | |
| CU Certified Vehicle Service Contract**Best in class automobile mechanical breakdown coverage for you. CU Certified pays for the replacement of covered part(s) and the labor to install the failed covered part(s). The CU Certified program pays for diagnostics, taxes, fluids, and filters in conjunction with covered repairs. National acceptance, trip interruption, wrap coverage, and 24-hour roadside assistance are some of the ancillary benefits of coverage. |
Rate discount is applied if the associated product is purchased or set up at the time of initial loan closing. Discounts are subject to change without notice. **Eligible on qualifying vehicles, not all vehicles eligible
Share Secured Loans
| Term | Rates As Low As |
|---|---|
| 1 Year | 3.03% APR* |
| 2 Years | 3.03% APR* |
| 3 Years | 3.53% APR* |
| 4 Years | 3.53% APR* |
| 5 Years | 3.53% APR* |
Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Shares/Club
| Type | Dividend Rate | APY** |
|---|---|---|
| Share1 | 0.03% | 0.03% |
| Vacation Club2 | 0.03% | 0.03% |
| Christmas Club2 | 0.03% | 0.03% |
| Flex Club | 0.03% | 0.03% |
| IRA Club | 0.05% | 0.05% |
Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
1Minimum balance to open the account and earn the APY is $5 for Shares. If the Share account is closed within the first 6 months, it is subject to a closing account fee. 2Subject to early withdrawal penalty if funds are withdrawn before the maturity date.
Signature (Unsecured) Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 12.25% APR* | $88.99 |
| 2 years | 12.25% APR* | $47.21 |
| 3 years | 12.75% APR* | $33.59 |
| 4 years | 13.75% APR* | $27.21 |
| 5 years | 14.75% APR* | $23.67 |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000.
Visa Business Credit Cards
| Interest Rates and Interest Charges | Rates As Low As |
|---|---|
| Purchases | 15.90% APR* |
| Balance Transfers | 15.90% APR* |
| Cash Advances | 15.90% APR* |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 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 Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
Visa Classic/Secured Credit Cards
| Interest Rates and Interest Charges | Rates As Low As |
|---|---|
| Purchases | 13.90% APR* |
| Balance Transfers | 13.90% APR* |
| Cash Advances | 13.90% APR* |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 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 Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
Youth Accounts
| Type | Dividend Rate | APY** |
|---|---|---|
| Monty Moose | 0.03% | 0.03% |
| Life Saver | 0.03% | 0.03% |
| Teens Love Cash | 0.03% | 0.03% |
Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Minimum balance to open the account and earn the APY is $5 for Monty Moose, Life Saver and Teens Love Cash accounts.
