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Five County Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 11th largest credit union in the state of Maine. It is also the 875th largest credit union in the nation. It was established in 1956 and as of December of 2024, it had grown to 132 employees and 30,885 members at 15 locations. Five County Credit Union's money market rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Five County Credit Union is open to those who live, work, or worship in the Maine counties of Androscoggin, Cumberland, Kennebec, Lincoln, Knox, Sagadhoc, Waldo, or Somerset. Membership also extends to employees of Bath Iron Works, Five County Credit Union, and family of existing credit union members.
See current membership details

Reviews (1)

Mostly Pisitive Experience

Posted by: |

Very pleased with attentive, knowledgeable staff. Almost always an excellent satisfying experience (mostly in person) and also by phone. However, some software updates a few years ago resulted in lost online access and non-related-customers’ account being blended. An awful experience taking weeks to resolve! We retain the account but have kept substantial amounts elsewhere. There has been no recurrence however. Cautiously recommended!

1


Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #67993
Year Chartered1956
Employees132
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD6.22%
Annual Interest Income$18.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$384.3MM$358MM
LoansQ4 2024vs Q4 2023$290.7MM$266.3MM
DepositsQ4 2024vs Q4 2023$341.5MM$317.3MM
Equity CapitalQ4 2024vs Q4 2023$35.7MM$33.4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$2MM$2.3MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$1.6MM$1.1MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/22/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$5-SHIP Account
0.05%$100-Savings Account
0.05%$100-Savings Club
0.05%$100-Christmas Club
0.05%$0-HSA

Five County Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.38%*$100k*-Golden Rate Fund
OTHER TIERS: 0.50% → $1k - $5k | 2.02% → $5k - $25k | 2.17% → $25k - $50k | 2.27% → $50k - $100k
2.38%*$100k*-Golden Rate Fund Plus
OTHER TIERS: 2.02% → $5k - $25k | 2.17% → $25k - $50k | 2.27% → $50k - $100k

Five County Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-Prestige Checking
0.10%$1k-Elite Checking
0.05%$5k-Classic Checking
0.05%$5k-Second Chance Checking
0.05%$5k-free4ME Checking

Five County Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$500-6 Month Term Savings Certificate
3.56%$500-12 Month Term Savings Certificate
3.30%$500-18 Month Term Savings Certificate
3.04%$500-2 Year Term Savings Certificate
3.04%$500-3 Year Term Savings Certificate
3.04%$500-4 Year Term Savings Certificate
3.04%$500-5 Year Term Savings Certificate
1.00%$500-90 Day Term Savings Certificate

Five County Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$500-6 Month IRA
3.56%$500-12 Month IRA
3.30%$500-18 Month IRA
3.04%$500-2 Year IRA
3.04%$500-3 Year IRA
3.04%$500-4 Year IRA
3.04%$500-5 Year IRA
1.00%$500-90 Day IRA
0.05%$0-IRA Savings
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