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PeoplesChoice Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.22%5-year CD60 Months CD
2.35% - Synchrony Bank 60 Month CDAdvertisement
3.04%6+ Year CD120 Months CD
1.66% - National Average
2.22%5-year IRA60 Months IRA (Traditional, Roth, CESA)
1.52% - National Average
View all PeoplesChoice Credit Union rates »

Overview / Commentary
www.peopleschoicecreditunion.com
207-282-4156
23 Industrial Park Rd
Saco, ME 04072-1804

PeoplesChoice Credit Union is headquartered in Saco and is the 14th largest credit union in the state of Maine. It is also the 1,075th largest credit union in the nation. It was established in 1963 and as of March of 2017, it had grown to 53 employees and 18,122 members at 4 locations. PeoplesChoice Credit Union's CD rates are 11% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, attend school or work in Cumberland and York Counties in Maine.
See current membership details

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Reviews (1)

Peopleschoice CU

Posted by: NatalieA | Nov 3, 2012

I had been a member of PeoplesChoice CU since I was a kid.  They used to be good to deal with but not anylonger. The CEO operates the credit union like a bank and just plain sucks!  They operate more like a bank and I feel like a number.  They are rude and I wouldnt recommend anyone join and do business with them.   

4


Health
B

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #68442
Year Chartered1963
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD3.11%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$186.4MM$175.7MM
LoansQ1 2017vs Q1 2016$143.1MM$120.6MM
DepositsQ1 2017vs Q1 2016$163.9MM$151.7MM
Equity CapitalQ1 2017vs Q1 2016$14.2MM$14.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$714.00K$380.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.1MM$1.2MM
Real Estate OwnedQ1 2017vs Q1 2016$0$27.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

PeoplesChoice Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.13%--Escrow Accounts
0.10%$25-IRA Account
0.10%$25-Health Saving Account
0.10%$25-Coverdell Education Savings Account
0.10%$25-Roth IRA Account
0.05%$25-Club Account
0.05%$25-Share (Savings) Account

PeoplesChoice Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$250k*-Money Market Account
OTHER TIERS: 0.05% → Up to $2k | 0.10% → $2k - $10k | 0.15% → $10k - $50k | 0.30% → $50k - $250k
0.10%*$25k*-Money Market Checking Account
OTHER TIERS: 0.05% → $5k - $25k

PeoplesChoice Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$500-120 Months CD
2.50%$500-72 Month CD
2.22%$500-60 Months CD
1.91%*$75k*-48 Months CD
OTHER TIERS: 1.61% → $500 - $10k | 1.81% → $10k - $75k
1.61%*$75k*-36 Months CD
OTHER TIERS: 1.31% → $500 - $10k | 1.51% → $10k - $75k
1.41%*$75k*-24 Months CD
OTHER TIERS: 1.11% → $500 - $10k | 1.21% → $10k - $75k
1.21%*$75k*-18 Months CD
OTHER TIERS: 0.90% → $500 - $10k | 1.00% → $10k - $75k
1.00%*$75k*-12 Months CD
OTHER TIERS: 0.80% → $500 - $10k | 0.90% → $10k - $75k
0.70%*$75k*-6 Months CD
OTHER TIERS: 0.60% → $500 - $10k | 0.65% → $10k - $75k
0.50%*$75k*-3 Months CD
OTHER TIERS: 0.35% → $500 - $10k | 0.45% → $10k - $75k

PeoplesChoice Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$500-120 Months IRA
2.50%$500-72 Month IRA
2.22%$500-60 Months IRA
1.91%*$75k*-48 Months IRA
OTHER TIERS: 1.61% → $500 - $10k | 1.81% → $10k - $75k
1.61%*$75k*-36 Months IRA
OTHER TIERS: 1.31% → $500 - $10k | 1.51% → $10k - $75k
1.41%*$75k*-24 Months IRA
OTHER TIERS: 1.11% → $500 - $10k | 1.21% → $10k - $75k
1.21%*$75k*-18 Months IRA
OTHER TIERS: 0.90% → $500 - $10k | 1.00% → $10k - $75k
1.00%*$75k*-12 Months IRA
OTHER TIERS: 0.80% → $500 - $10k | 0.90% → $10k - $75k
0.70%*$75k*-6 Months IRA
OTHER TIERS: 0.60% → $500 - $10k | 0.65% → $10k - $75k
0.50%*$75k*-3 Months IRA
OTHER TIERS: 0.35% → $500 - $10k | 0.45% → $10k - $75k
Locations


PeoplesChoice Credit Union Locations
Branch Office39 Country Club RdSanford, ME 04073-5201
Branch Office23 Industrial Park RdSaco, ME 04072-1804
Branch Office774 Post Rd Route 1Wells, ME 04090-4104
Branch Office369 Elm StBiddeford, ME 04005-3023