Featured Savings Rates
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Midcoast Federal Credit Union

Popular Accounts at this Credit Union

1.76%5-year CD5 Year CD
0.75%1-year CD1 Year CD
0.15%SavingsThrive Savings

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 1,176th largest credit union in the nation. It was established in 1956 and as of June of 2017, it had grown to 51 employees and 15,543 members at 5 locations. Midcoast Federal Credit Union's money market rates are 25% higher than the national average, and it has 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.
See current membership details


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Health Grade Components

NCUA #10898
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD4.18%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$163.8MM$151.8MM
LoansQ2 2017vs Q2 2016$116.9MM$106.9MM
DepositsQ2 2017vs Q2 2016$143.3MM$134.0MM
Equity CapitalQ2 2017vs Q2 2016$18.0MM$17.3MM
Loan Loss AllowanceQ2 2017vs Q2 2016$432.00K$452.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$712.00K$826.00K
Real Estate OwnedQ2 2017vs Q2 2016$87.00K$130.00K
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* 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

0.55%*$100k*-Peak Money Market
OTHER TIERS: 0.25% $2,500 - $25k | 0.35% $25k - $50k | 0.45% $50k - $100k

Midcoast Federal Credit Union CD Rates

1.76%$1k-5 Year CD
1.76%$500-Youth 5 Year CD
1.56%$1k-30 Month Fall Certificate Special (New)
1.56%$500-Youth 30 Month Fall Certificate Special (New)
1.51%$1k-4 Year CD
1.51%$500-Youth 4 Year CD
1.31%$1k-30 Month Fall Certificate Special (Existing)
1.31%$500-Youth 30 Month Fall Certificate Special (Existing)
1.21%$1k-3 Year CD
1.21%$500-Youth 3 Year CD
1.11%$1k-9 Month Fall Certificate Special (New)
1.11%$500-Youth 9 Month Fall Certificate Special (New)
0.95%$1k-2 Year CD
0.95%$500-Youth 2 Year CD
0.85%$1k-18 Month CD
0.85%$1k-9 Month Fall Certificate Special (New)
0.85%$500-Youth 9 Month Fall Certificate Special (Existing)
0.85%$500-Youth 18 Month CD
0.75%$1k-1 Year CD
0.75%$500-Youth 1 Year CD
0.45%$1k-6 Month CD
0.45%$500-Youth 6 Month CD

Midcoast Federal Credit Union IRA Rates

1.76%$1k-5 Year IRA
1.56%$1k-30 Month Fall IRA Certificate Special (New)
1.51%$1k-4 Year IRA
1.31%$1k-30 Month Fall IRA Certificate Special (Existing)
1.21%$1k-3 Year IRA
1.11%$1k-9 Month Fall IRA Certificate Special (New)
0.95%$1k-2 Year IRA
0.85%$1k-18 Month IRA
0.85%$1k-9 Month Fall IRA Certificate Special (Existing)
0.75%$1k-1 Year IRA
0.45%$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