2. Penobscot County Federal Credit Union

Penobscot County Federal Credit Union


Overview / Commentary
www.penobscotfcu.com
207-827-3165
205 Main St
Old Town, ME 04468

Penobscot County Federal Credit Union is headquartered in Old Town and is the 34th largest credit union in the state of Maine. It is also the 1,903rd largest credit union in the nation. It was established in 1968 and as of June of 2019, it had grown to 23 employees and 10,781 members at 3 locations. Penobscot County Federal Credit Union's CD rates are 2X 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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Health
B+

Data as of Q2 2019

Learn why bank health matters
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

Overall
NCUA #18507
Year Chartered1968
Employees23
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD5.57%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$75.6MM$70.0MM
LoansQ2 2019vs Q2 2018$58.4MM$57.6MM
DepositsQ2 2019vs Q2 2018$68.7MM$63.9MM
Equity CapitalQ2 2019vs Q2 2018$6.5MM$5.8MM
Loan Loss AllowanceQ2 2019vs Q2 2018$219.00K$170.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$201.00K$559.00K
Real Estate OwnedQ2 2019vs Q2 2018$51.00K$145.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Penobscot County Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*-$25kKasasa Saver
OTHER TIERS: 0.49% → $25k+

Penobscot County Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Money Market Account
OTHER TIERS: 0.30% → $2.5k - $10k | 0.40% → $10k - $75k | 0.45% → $75k - $100k

Penobscot County Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*-$15kKasasa Cash
OTHER TIERS: 0.68% → $15k+

Penobscot County Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-60 Month CD
2.80%$500-48 Month CD
2.60%$500-36 Month CD
2.40%$500-24 Month CD
2.25%$500-18 Month CD
2.10%$500-12 Month CD
1.80%$500-6 Month CD
1.00%$500-3 Month CD

Penobscot County Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$500-60 Month IRA
2.80%$500-48 Month IRA
2.60%$500-36 Month IRA
2.40%$500-24 Month IRA
2.25%$500-18 Month IRA
2.10%$500-12 Month IRA
1.80%$500-6 Month IRA
1.00%$500-3 Month IRA
Locations


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

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