Five County Credit Union

Overview / Commentary

www.fivecounty.com

800-750-0959

765 Washington St
Bath, ME 04530

Five County Credit Union is headquartered in Bath and is the 9^th largest credit union in the state of Maine. It is also the 911^th largest credit union in the nation. It was established in 1956 and as of December of 2019, it had grown to 118 employees and 28,338 members at 15 locations. Five County Credit Union's CD rates are 34% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Five County Credit Union of Maine is open to the residents, church members, and the people that maintain employment within these qualified counties: Androscoggin, Cumberland, Kennebec, Lincoln, Sagadahoc, Somerset, Waldo and Knox as well as the employees of Bath Iron Works, the credit union employees and the family members of current credit union members.
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Health

Data as of Q4 2019

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Health Grade Components

Overall
NCUA #	67993
Year Chartered	1956
Employees	118
Primary Regulator

Profit Margin
Return on Assets - YTD	0.54%
Return on Equity - YTD	5.63%
Annual Interest Income	$11.1MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$261.4MM$244.2MM
Loans	Q4 2019vs Q4 2018	$197.8MM$183.6MM
Deposits	Q4 2019vs Q4 2018	$234.0MM$217.7MM
Equity Capital	Q4 2019vs Q4 2018	$24.7MM$23.3MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$973.00K$933.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$981.00K$1.0MM
Real Estate Owned	Q4 2019vs Q4 2018	$33.00K$229.00K

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.

Five County Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$5	-	SHIP Account
0.30%	-	-	IRA Savings
0.15%^*	$100k^*	-	Savings Account
OTHER TIERS: 0.02% → $1k - $5k \| 0.05% → $5k - $25k \| 0.10% → $25k - $50k \| 0.12% → $50k - $100k
0.15%^*	$100k^*	-	Savings Club
OTHER TIERS: 0.02% → $1k - $5k \| 0.05% → $5k - $25k \| 0.10% → $25k - $50k \| 0.12% → $50k - $100k
0.15%^*	$100k^*	-	Christmas Club
OTHER TIERS: 0.02% → $1k - $5k \| 0.05% → $5k - $25k \| 0.10% → $25k - $50k \| 0.12% → $50k - $100k

Five County Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$100k^*	-	Golden Rate Fund
OTHER TIERS: 0.30% → $1k - $5k \| 0.40% → $5k - $25k \| 0.45% → $25k - $50k \| 0.50% → $50k - $100k
0.40%^*	$100k^*	-	Golden Rate Fund Plus
OTHER TIERS: 0.20% → $5k - $25k \| 0.30% → $25k - $50k \| 0.35% → $50k - $100k

Five County Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$100k^*	-	Prestige Checking
OTHER TIERS: 0.05% → $1k - $5k \| 0.08% → $5k - $25k \| 0.12% → $25k - $50k \| 0.15% → $50k - $100k
0.20%^*	$100k^*	-	Elite Checking
OTHER TIERS: 0.05% → $1k - $5k \| 0.08% → $5k - $25k \| 0.12% → $25k - $50k \| 0.15% → $50k - $100k
0.03%	$5k	-	Classic Checking
0.03%	$5k	-	Second Chance Checking
0.03%	$5k	-	free4ME Checking

Five County Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.38%^*	$100k^*	-	5 Year Term Savings Certificate
OTHER TIERS: 2.27% → $500 - $10k \| 2.32% → $10k - $100k
2.22%^*	$100k^*	-	4 Year Term Savings Certificate
OTHER TIERS: 2.07% → $500 - $10k \| 2.17% → $10k - $100k
1.97%^*	$100k^*	-	3 Year Term Savings Certificate
OTHER TIERS: 1.87% → $500 - $10k \| 1.92% → $10k - $100k
1.66%^*	$100k^*	-	2 Year Term Savings Certificate
OTHER TIERS: 1.56% → $500 - $10k \| 1.61% → $10k - $100k
1.36%^*	$100k^*	-	18 Month Term Savings Certificate
OTHER TIERS: 1.26% → $500 - $10k \| 1.31% → $10k - $100k
1.21%^*	$100k^*	-	12 Month Term Savings Certificate
OTHER TIERS: 1.11% → $500 - $10k \| 1.16% → $10k - $100k
0.95%^*	$100k^*	-	6 Month Term Savings Certificate
OTHER TIERS: 0.85% → $500 - $10k \| 0.90% → $10k - $100k
0.55%^*	$100k^*	-	90 Day Term Savings Certificate
OTHER TIERS: 0.45% → $500 - $10k \| 0.50% → $10k - $100k

Five County Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.38%^*	$100k^*	-	5 Year IRA
OTHER TIERS: 2.27% → $500 - $10k \| 2.32% → $10k - $100k
2.22%^*	$100k^*	-	4 Year IRA
OTHER TIERS: 2.07% → $500 - $10k \| 2.17% → $10k - $100k
1.97%^*	$100k^*	-	3 Year IRA
OTHER TIERS: 1.87% → $500 - $10k \| 1.92% → $10k - $100k
1.66%^*	$100k^*	-	2 Year IRA
OTHER TIERS: 1.56% → $500 - $10k \| 1.61% → $10k - $100k
1.36%^*	$100k^*	-	18 Month IRA
OTHER TIERS: 1.26% → $500 - $10k \| 1.31% → $10k - $100k
1.21%^*	$100k^*	-	12 Month IRA
OTHER TIERS: 1.11% → $500 - $10k \| 1.16% → $10k - $100k
0.95%^*	$100k^*	-	6 Month IRA
OTHER TIERS: 0.85% → $500 - $10k \| 0.90% → $10k - $100k
0.55%^*	$100k^*	-	90 Day IRA
OTHER TIERS: 0.45% → $500 - $10k \| 0.50% → $10k - $100k

Locations

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Portland Area

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