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Credit Cards


Get rewarded for supporting your local economy with our LOCAL REWARDS Visa® Credit Card!  With LOCAL REWARDS, you can earn TRIPLE points when shopping at local participating businesses, DOUBLE points when buying gas, groceries, and recurring transactions, and SINGLE points on all other purchases.


If you are looking for a simple credit card with the lowest interest rate, then look no further!  With our BASICS® Credit Card, you have the convenience of a Visa® with the most competitive rates in the market.

Consumer Loans

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Auto Loans

The car you want is within reach. Whether you’re financed somewhere else, or looking to upgrade your current vehicle, Midcoast offers instant approval, competitive rates, and online applications.

Boat & Recreational Loans

Whether it has 2 wheels, 4 wheels, floats on water, or travels across the snow, we can assist you with your financing needs. Our recreational loan program offers purchasing or refinance options on motorcycles, snowmobiles, ATVs, campers, travel trailers, and more. 

Personal Loans

A Personal Loan can be a smart solution when you need extra money to help you achieve your goals. With known monthly payments, end date and finance costs, a personal loan can keep you on budget and provide you cash when you need it most.

Credit Builder Loans

Trying to establish credit, or re-establish credit after a life event, can be a challenge. Credit Builder loans are designed to get you on the right track for your financial well-being.

Home Equity Lines of Credit

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“Lock” in your interest rate! Enjoy the benefit of a fixed interest rate and interest-only payments for the first five years, all while having the flexibility offered by a line of credit. Use this product to unlock the value of your home and get the extra cash you need for major purchases.

HELOC Advantage Plus

Let your home’s value work for you. A home equity loan is an excellent option for big purchases, debt consolidation, or even just emergency preparedness.  Borrow, repay, and borrow again. There’s no prepayment penalties and a 10-year draw!


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Conventional, CU Promise, CU Advantage, Manufactured Homes, and Land Loans

Whether it’s your first home, or your forever home, our mortgage loan experts are ready to build the best mortgage solution for your unique needs.

FHA, VA, USDA Rural Housing, MSHA, and other Government Guaranteed Loans

Midcoast FCU, in partnership with CUSO Home Lending, works with several government agencies to provide members who fit the financial requirements with the best-guaranteed mortgage products available. 

Business Loans

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Lines of Credit

Generate short-term funds to help manage your business cash flow.  Our revolving line of credit provides you with the cash flow you need, when you need it most.

Equipment Loans

When your business needs to purchase or update your equipment or machinery, we can provide the financing at a payment that works with your bottom line.

Commercial Real Estate Loans

Get the space you need to help your business expand.  Whether you want to buy, build, or refinance your commercial property, we are prepared with competitive terms and rates to make it happen.

Do your banking from anywhere. Digital banking

With Midcoast, you’re always connected

Interact with us and manage your accounts in all the ways that work best for you.  Our digital banking platform has the same look, feel, and functionality across all of your devices: computer, tablet and mobile device

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Not a member yet? You can join online!

It takes just about 10 minutes to apply! Open an account online anytime.