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Overview / Commentary
207-865-4443
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 1,158th largest credit union in the nation. It was established in 1956 and as of March of 2018, it had grown to 58 employees and 15,153 members at 5 locations. Midcoast Federal Credit Union's money market rates are 82% 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

Related Posts

10-Month Winter Special CD, 1.51% APY - 1/7/2018

Short term WInter Special CD that lasts longer than winter. https://www.midcoastfcu.me/rates/deposit/ Branches located from Freeport to Thomaston, Maine.

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Health

Health Grade Components

Overall
NCUA #10898
Year Chartered1956
Employees58
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD6.69%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$173.2MM$161.3MM
LoansQ1 2018vs Q1 2017$130.0MM$113.9MM
DepositsQ1 2018vs Q1 2017$152.1MM$143.0MM
Equity CapitalQ1 2018vs Q1 2017$18.4MM$17.6MM
Loan Loss AllowanceQ1 2018vs Q1 2017$441.00K$383.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$361.00K$689.00K
Real Estate OwnedQ1 2018vs Q1 2017$67.00K$5.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Midcoast Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$10k*-IRA Savings
OTHER TIERS: 0.45% 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$100k*-Peak Money Market
OTHER TIERS: 0.30% $2,500 - $25k | 0.45% $25k - $50k | 0.60% $50k - $100k

Midcoast Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-55 Month Winter Certificate Special
2.00%$500-Youth 55 Month Winter Certificate Special
1.92%$1k-5 Year CD
1.92%$500-Youth 5 Year CD
1.75%$1k-10 Month Winter Certificate Special
1.75%$500-Youth 10 Month Winter Certificate Special
1.61%$1k-4 Year CD
1.61%$500-Youth 4 Year CD
1.36%$1k-3 Year CD
1.36%$500-Youth 3 Year CD
1.21%$1k-2 Year CD
1.21%$500-Youth 2 Year CD
1.11%$1k-18 Month CD
1.11%$500-Youth 18 Month CD
1.01%$1k-1 Year CD
1.01%$500-Youth 1 Year CD
0.45%$1k-6 Month CD
0.45%$500-Youth 6 Month CD

Midcoast Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-55 Month Winter IRA Certificate Special
1.92%$1k-5 Year IRA
1.75%$1k-10 Month Winter IRA Certificate Special
1.61%$1k-4 Year IRA
1.36%$1k-3 Year IRA
1.21%$1k-2 Year IRA
1.11%$1k-18 Month IRA
1.01%$1k-1 Year IRA
0.45%$1k-6 Month IRA
Locations


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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