Lincoln Maine Federal Credit Union

Overview / Commentary

www.lincolnmainefcu.com

207-794-8623

171 W BROADWAY
LINCOLN, ME 04457

Lincoln Maine Federal Credit Union is headquartered in LINCOLN and is the 34^th largest credit union in the state of Maine. It is also the 1,862^nd largest credit union in the nation. It was established in 1966 and as of June of 2021, it had grown to 15 employees and 5,974 members at 3 locations. Lincoln Maine Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Lincoln Maine Federal Credit Union is open to those who live, work, or worship in Penobscot County, Maine. Immediate family members of those eligible to join also qualify for membership.
See current membership details

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Health

Data as of Q2 2021

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Lincoln Maine Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	17362
Year Chartered	1966
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	1.39%
Return on Equity - YTD	12.48%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q2 2021vs Q2 2020	$94.6MM$80.5MM
Loans	Q2 2021vs Q2 2020	$64.7MM$58.9MM
Deposits	Q2 2021vs Q2 2020	$83.5MM$70.7MM
Equity Capital	Q2 2021vs Q2 2020	$10.5MM$9.3MM
Loan Loss Allowance	Q2 2021vs Q2 2020	$38.00K$79.00K
Unbacked Noncurrent Loans	Q2 2021vs Q2 2020	$95.00K$121.00K
Real Estate Owned	Q2 2021vs Q2 2020	$0$0

Rates

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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not Lincoln Maine Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

Lincoln Maine Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	-	-	IRA Shares
1.50%^*	$5	$3k	Fuel Club
OTHER TIERS: 0.90% → $3k+
1.50%^*	$10k^*	-	Health Saving Account
OTHER TIERS: 1.15% → $100 - $1.5k \| 1.25% → $1.5k - $5k \| 1.35% → $5k - $10k
1.50%^*	$10k^*	-	Coverdell ESA
OTHER TIERS: 1.15% → $100 - $1.5k \| 1.25% → $1.5k - $5k \| 1.35% → $5k - $10k
1.50%^*	-	$20k	Kasasa Saver
OTHER TIERS: 0.25% → $20k+
0.25%^*	$30k^*	-	Savings Account
OTHER TIERS: 0.10% → $25 - $1k \| 0.15% → $1k - $5k \| 0.20% → $5k - $30k
0.15%^*	$5k^*	-	Christmas Club Account
OTHER TIERS: 0.10% → $25 - $5k
0.15%^*	$5k^*	-	Taxes Club Account
OTHER TIERS: 0.10% → $25 - $5k
0.15%^*	$5k^*	-	Homeheating Club Account
OTHER TIERS: 0.10% → $25 - $5k
0.15%^*	$5k^*	-	Family Vacation Club Account
OTHER TIERS: 0.10% → $25 - $5k

Lincoln Maine Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	$2.5k	-	Money Market

Lincoln Maine Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	-	$10k	Kasasa Cash Checking
OTHER TIERS: 0.25% → $10k+
0.10%	$500	-	Share Draft Account

Lincoln Maine Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$100k	-	60 Month Jumbo CD
0.85%	$500	-	60 Month CD
0.75%	$100k	-	48 Month Jumbo CD
0.70%	$500	-	48 Month CD
0.70%	$100k	-	36 Month Jumbo CD
0.65%	$500	-	36 Month CD
0.65%	$100k	-	30 Month Jumbo CD
0.60%	$500	-	30 Month CD
0.60%	$100k	-	24 Month Jumbo CD
0.55%	$500	-	24 Month CD
0.50%	$100k	-	18 Month Jumbo CD
0.45%	$500	-	18 Month CD
0.40%	$100k	-	12 Month Jumbo CD
0.35%	$500	-	12 Month CD
0.35%	$100	-	12 Month Looney Toon CD
0.35%	$100k	-	9 Month Jumbo CD
0.30%	$500	-	9 Month CD
0.30%	$100k	-	6 Month Jumbo CD
0.25%	$500	-	6 Month CD
0.20%	$100k	-	3 Month Jumbo CD
0.15%	$500	-	3 Month CD

Locations

Lincoln Maine Federal Credit Union Locations
Branch Office	2 Ledgeview Dr	Westbrook, ME 04092-3939
Branch Office	171 W BROADWAY	LINCOLN, ME 04457
Branch Office	161 W Broadway	Lincoln, ME 04457-4000

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