Featured Savings Rates
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Penobscot County Federal Credit Union

Popular Accounts at this Credit Union

1.65%5-year CD60 Month CD
0.35%1-year CD12 Month CD
0.05%SavingsShare Savings

Overview / Commentary
205 Main St
Old Town, ME 04468

Penobscot County Federal Credit Union is headquartered in Old Town and is the 36th largest credit union in the state of Maine. It is also the 1,988th largest credit union in the nation. It was established in 1968 and as of September of 2016, it had grown to 25 employees and 9,840 members at 3 locations. Penobscot County Federal Credit Union's money market rates are 14% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, volunteer, have immediate family, own a business, or are an organization in Penobscot County, Maine.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Penobscot County Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #18507
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD7.3%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$68.6MM$54.9MM
LoansQ3 2016vs Q3 2015$50.9MM$41.7MM
DepositsQ3 2016vs Q3 2015$63.0MM$49.3MM
Equity CapitalQ3 2016vs Q3 2015$5.4MM$5.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$135.00K$167.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$268.00K$313.00K
Real Estate OwnedQ3 2016vs Q3 2015$205.00K$106.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Penobscot County Federal Credit Union Savings Account Rates

0.25%--IRA Savings
0.25%--Roth IRA Savings
0.25%--CESA Savings
0.05%--Share Savings
0.05%--Club Accounts

Penobscot County Federal Credit Union Money Market Rates

0.50%*$100k*-Money Market Account
OTHER TIERS: 0.30% $5k - $10k | 0.40% $10k - $75k | 0.45% $75k - $100k

Penobscot County Federal Credit Union CD Rates

1.65%$500-60 Month CD
1.40%$500-48 Month CD
1.15%$500-36 Month CD
0.90%$500-30 Month CD
0.75%$500-18 Month CD
0.65%$500-24 Month CD
0.35%$500-12 Month CD
0.35%$100-12 Month Youth Share Certificate
0.25%$500-6 Month CD
0.15%$500-3 Month CD

Penobscot County Federal Credit Union IRA Rates

1.65%$500-60 Month IRA
1.40%$500-48 Month IRA
1.15%$500-36 Month IRA
0.90%$500-30 Month IRA
0.75%$500-18 Month IRA
0.65%$500-24 Month IRA
0.35%$500-12 Month IRA
0.25%$500-6 Month IRA
0.15%$500-3 Month IRA

Penobscot County Federal Credit Union Locations
Branch Office205 Main StOld Town, ME 04468
Branch Office16 Coffin StHowland, ME 04448
Branch Office466 Main StBangor, ME 04401