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 857^th largest credit union in the nation. It was established in 1954 and as of December of 2019, it had grown to 61 employees and 20,802 members at 6 locations. Cumberland County's money market rates are 36% higher than the national average, and it 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 Q4 2019

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Health Grade Components

Overall
NCUA #	9500
Year Chartered	1954
Employees	61
Primary Regulator

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	7.24%
Annual Interest Income	$9.9MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$288.2MM$260.0MM
Loans	Q4 2019vs Q4 2018	$170.5MM$158.9MM
Deposits	Q4 2019vs Q4 2018	$255.9MM$229.7MM
Equity Capital	Q4 2019vs Q4 2018	$30.1MM$27.9MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$963.00K$1.0MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$1.0MM$1.2MM
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
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
0.60%^*	$75k^*	-	IRA Savings Account
OTHER TIERS: 0.20% → Up to $2.5k \| 0.30% → $2.5k - $15k \| 0.40% → $15k - $40k \| 0.50% → $40k - $75k
0.60%^*	$75k^*	-	HSA Savings Account
OTHER TIERS: 0.20% → Up to $2.5k \| 0.30% → $2.5k - $15k \| 0.40% → $15k - $40k \| 0.50% → $40k - $75k
0.25%^*	$75k^*	-	Savings Account
OTHER TIERS: 0.05% → $50 - $2.5k \| 0.10% → $2.5k - $15k \| 0.15% → $15k - $40k \| 0.20% → $40k - $75k
0.10%	$5	-	Club Account

Cumberland County Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$75k^*	-	Money Market Savings
OTHER TIERS: 0.40% → $2.5k - $15k \| 0.45% → $15k - $40k \| 0.50% → $40k - $75k
0.25%	$10k	-	Money Market Checking

Cumberland County CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.61%^*	$75k^*	-	60 Month Regular Share Certificate
OTHER TIERS: 1.51% → $1k - $25k \| 1.56% → $25k - $75k
1.51%^*	$75k^*	-	48 Month Regular Share Certificate
OTHER TIERS: 1.41% → $1k - $25k \| 1.46% → $25k - $75k
1.41%^*	$75k^*	-	36 Month Regular Share Certificate
OTHER TIERS: 1.31% → $1k - $25k \| 1.36% → $25k - $75k
1.31%^*	$75k^*	-	24 Month Regular Share Certificate
OTHER TIERS: 1.21% → $1k - $25k \| 1.26% → $25k - $75k
1.06%^*	$75k^*	-	12 Month Regular Share Certificate
OTHER TIERS: 0.95% → $1k - $25k \| 1.00% → $25k - $75k
0.90%^*	$75k^*	-	9 Month Regular Share Certificate
OTHER TIERS: 0.80% → $1k - $25k \| 0.85% → $25k - $75k
0.80%^*	$75k^*	-	6 Month Regular Share Certificate
OTHER TIERS: 0.70% → $1k - $25k \| 0.75% → $25k - $75k

Cumberland County IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.61%^*	$75k^*	-	60 Month IRA Share Certificate
OTHER TIERS: 1.51% → $1k - $25k \| 1.56% → $25k - $75k
1.51%^*	$75k^*	-	48 Month IRA Share Certificate
OTHER TIERS: 1.41% → $1k - $25k \| 1.46% → $25k - $75k
1.41%^*	$75k^*	-	36 Month IRA Share Certificate
OTHER TIERS: 1.31% → $1k - $25k \| 1.36% → $25k - $75k
1.31%^*	$75k^*	-	24 Month IRA Share Certificate
OTHER TIERS: 1.21% → $1k - $25k \| 1.26% → $25k - $75k
1.06%^*	$75k^*	-	12 Month IRA Share Certificate
OTHER TIERS: 0.95% → $1k - $25k \| 1.00% → $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	125 Stroudwater St	Westbrook, ME 04092-4045
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

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