Midcoast Federal Credit Union

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CURRENT TOP RATE

22 Month Fall CD Special w/ Checking and New Money

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.92%	5-year CD	5 Year CD 3.00% - American Express National Bank 60 Month CD
1.01%	1-year CD	1 Year CD 2.45% - Synchrony Bank 12 Month CD
0.15%	Savings	Thrive Savings 1.80% - American Express National Bank High Yield Savings Account

View all Midcoast Federal Credit Union rates »

Overview / Commentary

207-865-4443

186 Lower Main St
Freeport, ME 04032

Midcoast Federal Credit Union is headquartered in Freeport and is the 19^th largest credit union in the state of Maine. It is also the 1,150^th largest credit union in the nation. It was established in 1956 and as of June of 2018, it had grown to 57 employees and 15,257 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

A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	10898
Year Chartered	1956
Employees	57
Primary Regulator

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	7.03%
Annual Interest Income	$3.5MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$175.7MM$163.8MM
Loans	Q2 2018vs Q2 2017	$131.8MM$116.9MM
Deposits	Q2 2018vs Q2 2017	$153.4MM$143.3MM
Equity Capital	Q2 2018vs Q2 2017	$18.6MM$18.0MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$483.00K$432.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$405.00K$712.00K
Real Estate Owned	Q2 2018vs Q2 2017	$57.00K$87.00K

Rates

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Money Market
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IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%^*	$100k^*	-	Peak Money Market
OTHER TIERS: 0.30% → $2.5k - $25k \| 0.45% → $25k - $50k \| 0.60% → $50k - $100k

Midcoast Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%	$1k	-	22 Month Fall CD Special w/ Checking and New Money
2.25%	$1k	-	22 Month Fall CD Special w/ Checking
2.25%	$1k	-	22 Month Fall CD Special - New Money
2.01%	$1k	-	22 Month Fall CD Special
1.92%	$1k	-	5 Year CD
1.92%	$500	-	Youth 5 Year CD
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%	$1k	-	22 Month Fall IRA Special w/ Checking and New Money
2.25%	$1k	-	22 Month Fall IRA Special w/ Checking
2.25%	$1k	-	22 Month Fall IRA Special - New Money
2.01%	$1k	-	22 Month Fall IRA Special
1.92%	$1k	-	5 Year IRA
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 Office	41 Route One	Edgecomb, ME 04556-3040
Branch Office	209 New County Rd	Thomaston, ME 04861-3116
Branch Office	831 Middle St	Bath, ME 04530-2401
Branch Office	6 Station Ave	Brunswick, ME 04011-2092
Corporate Office	186 Lower Main St	Freeport, ME 04032

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