Maine Highlands Federal Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.51%3-year CD36 Month Share Certificate
1.51%3-month IRA3 Month IRA Certificate (Traditional, Roth, CESA)
1.51%1-year IRA12 Month IRA Certificate (Traditional, Roth, CESA)

Overview / Commentary
888-806-6920
73 Main St
Dexter, ME 04930

Maine Highlands Federal Credit Union is headquartered in Dexter and is the 26th largest credit union in the state of Maine. It is also the 1,459th largest credit union in the nation. It was established in 1966 and as of June of 2018, it had grown to 47 employees and 12,308 members at 5 locations. Maine Highlands Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership to Maine Highlands Federal Credit Union is open to persons who live, work, worship or attend school in the rural district of Piscataquis, Penobscot, or Somerset Counties, Maine;
See current membership details

Related Posts

Maine Highlands FCU's Happy New Year 36-Month CD - 1/5/2018

Maine Highlands FCU is offering a limited-time 3.04% APY on its 36-month Share Certificate. The minimum deposit is $500, with no stated balance cap.

36-Month CD, 3.04% APY - 12/31/2017

$500 minimum deposit for 36-month CD, 3.04% APY https://www.mainehighlandscreditunion.com/business/dividend-rates/

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Reviews (3)

My Favorite Credit Union

I have been with this credit union for over 20 years, and I probably will be with them for another 20 years. They are right on the ball as far as watching the accounts that they hold. I have had someone get a hold of my credit/debit card and try to make hundreds of dollars in purchases and the lady who is in charge of that department saw a lot of activity going on with my account and called me right away. She was able to stop almost all of the charges before they were actually taken from my account and the ones that had been taken she gave me the information on how to get a hold of the companies and those companies refunded my money. If it wasn't for the attention that they give to there account holders I would have been out of a lot on money. Every employee that I have ever interacted with has been very pleasant, helpful and knowledgeable.

Maine Highlands Federal Credit Union and Me

I have used this credit union since I was 16 years old. I have continually held a checking and savings account with the. When is was time to purchase a home I went to them for a loan. They were very helpful and helped me get a land loan since the home I wanted to purchase was not worth enough money to qualify for a regular mortgage. The loan was adjustable but only by a point per year. There were no fees for early payoff and we did pay it off early. A few years ago they began to offer online banking. This feature has been extremely convenient. I can deposit checks and transfer funds between my accounts from home. We live 15 minutes away from all of the branches of this credit union so the online banking has saved us a ton of hassle.

The only bank we use

We have used MHFCU for many years. It is the only bank we use. We have a savings account and a checking account with the. Our monthly fee for these services is $2.00 a month. We also were provided with a loan to purchase land with them for $15,000 which we have paid of. The loan had an adjustable rate but could only go up or down 1% per year and there were no penalties for early payoff. This bank does allow us to do most of our banking online, including electronic depositing of checks, and transfers between our accounts which is very convenient. It is also convenient that they allow us to make night deposits and have branches in a couple of the towns that surround our town.



Health

Health Grade Components

Overall
NCUA #17398
Year Chartered1966
Employees47
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD7.77%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$119.0MM$111.6MM
LoansQ2 2018vs Q2 2017$99.6MM$91.6MM
DepositsQ2 2018vs Q2 2017$107.1MM$98.4MM
Equity CapitalQ2 2018vs Q2 2017$10.7MM$9.7MM
Loan Loss AllowanceQ2 2018vs Q2 2017$128.00K$99.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$598.00K$686.00K
Real Estate OwnedQ2 2018vs Q2 2017$20.00K$184.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Maine Highlands Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$50-IRA Share
0.10%$50-Regular Share
0.10%$50-Health Savings Account
0.10%--Christmas Club
0.10%$50-Monty Moose Youth Account
0.10%$50-Greenbucks Youth Account
0.10%--Vacation Club
0.10%--Critter Club
0.10%--All-Purpose Club

Maine Highlands Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2.5k-Money Market

Maine Highlands Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-60 Month Share Certificate
1.76%$500-48 Month Share Certificate
1.51%$500-36 Month Share Certificate
1.26%$500-24 Month Share Certificate
1.15%$500-18 Month Share Certificate
0.95%$500-12 Month Share Certificate
0.65%$500-6 Month Share Certificate
0.50%$500-3 Month Share Certificate

Maine Highlands Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$500-48 Month IRA Certificate
1.51%$500-3 Month IRA Certificate
1.51%$500-6 Month IRA Certificate
1.51%$500-12 Month IRA Certificate
1.51%$500-18 Month IRA Certificate
1.51%$500-24 Month IRA Certificate
1.51%$500-36 Month IRA Certificate
1.51%$500-9 Month IRA Certificate
1.51%$500-15 Month IRA Certificate
Locations


Maine Highlands Federal Credit Union Locations
Branch Office194 Main RdBrownville, ME 04414
Branch Office23 Hudson AveGuilford, ME 04443
Branch Office955 W Main StDover Foxcroft, ME 04426-1028
Branch Office393 Pritham AvenueGreenville Junction, ME 04442
Branch Office73 Main StDexter, ME 04930

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