Overview / Commentary
186 Lower Main St
Freeport, ME 04032

Midcoast Federal Credit Union is headquartered in Freeport and is the 19th largest credit union in the state of Maine. It is also the 1,132nd largest credit union in the nation. It was established in 1956 and as of December of 2018, it had grown to 59 employees and 15,188 members at 5 locations. Midcoast Federal Credit Union's money market rates are 82% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in, and businesses, and other legal entities in Sagadahoc County, Lincoln County, Knox County or the following towns in Cumberland County, Maine: Brunswick, Harpswell, and Freeport.
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Health Grade Components

NCUA #10898
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD8.05%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$177.7MM$171.5MM
LoansQ4 2018vs Q4 2017$135.7MM$126.9MM
DepositsQ4 2018vs Q4 2017$157.4MM$148.3MM
Equity CapitalQ4 2018vs Q4 2017$19.6MM$18.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$456.00K$487.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$354.00K$538.00K
Real Estate OwnedQ4 2018vs Q4 2017$29.00K$67.00K
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Always verify rates and promotions with the bank or credit union. We are not Midcoast 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.

Midcoast Federal Credit Union Savings Account Rates

0.45%*$10k*-IRA Savings
OTHER TIERS: 0.35% Up to $10k
0.45%*$10k*-CESA Share Account
OTHER TIERS: 0.35% Up to $10
0.15%--Health Savings Account
0.15%--Impact Business Savings
0.15%--Member Savings
0.15%--Youth Special Purpose Savings
0.15%--Sprout Savings
0.15%--Special Purpose Savings
0.15%--Thrive Savings

Midcoast Federal Credit Union Money Market Rates

0.80%*$100k*-Peak Money Market
OTHER TIERS: 0.40% $2.5k - $25k | 0.50% $25k - $50k | 0.60% $50k - $100k

Midcoast Federal Credit Union CD Rates

2.35%$1k-5 Year CD
2.35%$500-Youth 5 Year CD
2.20%$1k-4 Year CD
2.20%$500-Youth 4 Year CD
2.10%$1k-3 Year CD
2.10%$500-Youth 3 Year CD
2.00%$1k-2 Year CD
2.00%$500-Youth 2 Year CD
1.92%$1k-10 Month Winter Certificate Special
1.75%$1k-18 Month CD
1.75%$500-Youth 18 Month CD
1.50%$1k-1 Year CD
1.50%$500-Youth 1 Year CD
1.25%$1k-6 Month CD
1.25%$500-Youth 6 Month CD

Midcoast Federal Credit Union IRA Rates

2.35%$1k-5 Year IRA
2.20%$1k-4 Year IRA
2.10%$1k-3 Year IRA
2.00%$1k-2 Year IRA
1.92%$1k-10 Month Winter IRA Certificate Special
1.75%$1k-18 Month IRA
1.50%$1k-1 Year IRA
1.25%$1k-6 Month IRA

Midcoast Federal Credit Union Locations
Branch Office41 Route OneEdgecomb, ME 04556-3040
Branch Office209 New County RdThomaston, ME 04861-3116
Branch Office831 Middle StBath, ME 04530-2401
Branch Office6 Station AveBrunswick, ME 04011-2092
Corporate Office186 Lower Main StFreeport, ME 04032

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