Hello, it's nice to meet you! We're Midcoast FCU
You're not only an account holder, you're an owner!
Our knowledgeable team is at the ready to help you achieve your desired lifestyle, through financial products and services individualized for a lifetime of success.
Simplicity is our Model
When you review our menu of products and services it may appear somewhat abbreviated, however it is purposely straightforward. In good New England-fashion, each product serves a particular purpose, with limited fussiness. You will not find products with endless requirements and restrictions. Simple, effective and low cost financial services is our way.
Personalized Service Complemented with Technology
We believe in leveraging technology to empower you to manage your accounts on your schedule. Our online and mobile technology surpasses that of some of the largest national financial institutions. That being said, we understand that when you do contact us, you are seeking to speak to a person, not a computer. We strive to have every call directly answered by a knowledgeable financial services representative.
Our Structure is our Foundation
As a not-for-profit financial cooperative, we exist to serve the financial needs of our members. Cooperatives thrive today in many forms, as the model of pooling the collective resources for the benefit of a community just feels right. Like food and child care cooperatives, credit unions are effectively “money cooperatives” and generally provide greater value than for-profit alternatives.
Volunteerism is Alive and Well
We are directed by a volunteer Board of Directors that are elected by the members. Each Credit Union member has equal voting rights. Our Directors are not financially compensated and serve in the best interest of all members. You can have a voice in how we operate and the services that we provide.
Being a local financial institution has many positive member benefits. We understand the needs of those that work and live in our communities and tailor our products and services to best fit those needs. We are nimble and responsive to rapidly changing conditions. We are vested in your success, as we all are part of the local economic engine that drives the Mid Coast region of Maine.
- Easy Online Account Opening*
- Easy Online Loan Applications - Mobile Lending
- Our Financial Counseling services
- Our eServices like Midcoast Connection, Bill Pay, eStatements and eAlerts
- Our Mobile Banking** App, enhanced with Mobile Check Deposit
- Access to over 5,700 Co-Op Shared Branching Network locations
- Access to 250+ Surf ATMs– Maine’s largest surcharge-free ATM network
*To be an active member of Midcoast FCU, you must maintain $5.00 in a Savings Account and live, work, worship, or attend school in any of the following Maine communities: Waldo, Knox, Lincoln, Sagadahoc, and Cumberland Counties, and the town of Durham in Androscoggin County.
** Standard mobile rates apply