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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 1,187th largest credit union in the nation. It was established in 1956 and as of March of 2017, it had grown to 56 employees and 16,244 members at 5 locations. Midcoast Federal Credit Union's money market rates are 25% 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 - YTD0.4%
Return on Equity - YTD3.61%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$161.3MM$150.9MM
LoansQ1 2017vs Q1 2016$113.9MM$101.8MM
DepositsQ1 2017vs Q1 2016$143.0MM$133.3MM
Equity CapitalQ1 2017vs Q1 2016$17.6MM$16.8MM
Loan Loss AllowanceQ1 2017vs Q1 2016$383.00K$468.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$689.00K$1.1MM
Real Estate OwnedQ1 2017vs Q1 2016$5.00K$0
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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%--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

1.90%$1k-40 Month CD Summer Special
1.71%$1k-5 Year CD
1.41%$1k-4 Year CD
1.11%$1k-3 Year CD
1.01%$1k-15 Month CD Summer Special
0.85%$1k-2 Year CD
0.65%$1k-18 Month CD
0.55%$1k-1 Year CD
0.45%$1k-6 Month CD

Midcoast Federal Credit Union IRA Rates

1.90%$1k-40 Month IRA Summer Special
1.11%$1k-3 Year IRA
1.01%$1k-15 Month IRA Summer Special
0.85%$1k-2 Year IRA
0.65%$1k-18 Month IRA
0.55%$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