Cumberland County

Overview / Commentary

www.myccfcu.com

207-878-3441

101 Gray Rd
Falmouth, ME 04105

Cumberland County is headquartered in Falmouth and is the 8^th largest credit union in the state of Maine. It is also the 824^th largest credit union in the nation. It was established in 1954 and as of June of 2021, it had grown to 62 employees and 21,708 members at 6 locations. Cumberland County has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, or worship in Cumberland and York Counties in Maine. Membership is also open to immediate family of current members.
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Health

Data as of Q2 2021

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Health Grade Components

Overall
NCUA #	9500
Year Chartered	1954
Employees	62
Primary Regulator

Profit Margin
Return on Assets - YTD	0.58%
Return on Equity - YTD	6.65%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q2 2021vs Q2 2020	$383.0MM$323.7MM
Loans	Q2 2021vs Q2 2020	$187.6MM$169.6MM
Deposits	Q2 2021vs Q2 2020	$346.5MM$290.9MM
Equity Capital	Q2 2021vs Q2 2020	$33.0MM$30.8MM
Loan Loss Allowance	Q2 2021vs Q2 2020	$1.3MM$1.3MM
Unbacked Noncurrent Loans	Q2 2021vs Q2 2020	$1.5MM$1.0MM
Real Estate Owned	Q2 2021vs Q2 2020	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cumberland County Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$75k^*	-	IRA Savings Account
OTHER TIERS: 0.15% → Up to $15k \| 0.20% → $15k - $40k \| 0.30% → $40k - $75k
0.35%^*	$75k^*	-	HSA Savings Account
OTHER TIERS: 0.15% → Up to $15k \| 0.20% → $15k - $40k \| 0.30% → $40k - $75k
0.15%^*	$75k^*	-	Savings Account
OTHER TIERS: 0.05% → $50 - $15k \| 0.10% → $15k - $75k
0.05%	$5	-	Club Account

Cumberland County Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$75k^*	-	Money Market Savings
OTHER TIERS: 0.15% → $2.5k - $40k \| 0.20% → $40k - $75k
0.10%^*	$10k^*	-	Money Market Checking
OTHER TIERS: 0.05% → $4k - $10k

Cumberland County Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$20k	-	Non-Profit Checking Rates

Cumberland County CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%^*	$75k^*	-	60 Month Regular Share Certificate
OTHER TIERS: 0.85% → $1k - $25k \| 0.90% → $25k - $75k
0.80%^*	$75k^*	-	48 Month Regular Share Certificate
OTHER TIERS: 0.70% → $1k - $25k \| 0.75% → $25k - $75k
0.70%^*	$75k^*	-	36 Month Regular Share Certificate
OTHER TIERS: 0.60% → $1k - $25k \| 0.65% → $25k - $75k
0.60%^*	$75k^*	-	24 Month Regular Share Certificate
OTHER TIERS: 0.50% → $1k - $25k \| 0.55% → $25k - $75k
0.50%^*	$75k^*	-	12 Month Regular Share Certificate
OTHER TIERS: 0.40% → $1k - $25k \| 0.45% → $25k - $75k
0.40%^*	$75k^*	-	9 Month Regular Share Certificate
OTHER TIERS: 0.30% → $1k - $25k \| 0.35% → $25k - $75k
0.35%^*	$75k^*	-	6 Month Regular Share Certificate
OTHER TIERS: 0.25% → $1k - $25k \| 0.30% → $25k - $75k

Cumberland County IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%^*	$75k^*	-	60 Month IRA Share Certificate
OTHER TIERS: 0.85% → $1k - $25k \| 0.90% → $25k - $75k
0.80%^*	$75k^*	-	48 Month IRA Share Certificate
OTHER TIERS: 0.70% → $1k - $25k \| 0.75% → $25k - $75k
0.70%^*	$75k^*	-	36 Month IRA Share Certificate
OTHER TIERS: 0.60% → $1k - $25k \| 0.65% → $25k - $75k
0.60%^*	$75k^*	-	24 Month IRA Share Certificate
OTHER TIERS: 0.50% → $1k - $25k \| 0.55% → $25k - $75k
0.50%^*	$75k^*	-	12 Month IRA Share Certificate
OTHER TIERS: 0.40% → $1k - $25k \| 0.45% → $25k - $75k

Locations

Cumberland County Locations
Branch Office	43 Lewiston Rd	Gray, ME 04039-9537
Branch Office	101 Gray Rd	Falmouth, ME 04105
Branch Office	1345 Washington Ave	Portland, ME 04103
Branch Office	808 Roosevelt Trl	Windham, ME 04062-5386
Branch Office	808 Route 1	Yarmouth, ME 04096-6923
Branch Office	150 Main St	Westbrook, ME 04092-4738

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