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Financial Counseling

Midcoast FCU is dedicated to the financial success of our members. If you are beginning your path to financial success, financial independence, or simply need some assistance in charting your course of action, our team of Certified Credit Union Financial Counselors (CCUFC), are here to help you succeed. It is FREE for any Midcoast FCU member.

Financial Counseling-Cierra-Edgecomb branch
Financial Counseling is available

No one’s path in life is the same. We’re here to help you along the way.

Are you experiencing any of the following life-changing events: a marriage, a new child, a child accepted into college, lottery winnings, or perhaps a divorce, loss of income, or even a death in the family? Talk to our Financial Counselors. For more information on this FREE program, contact our Financial Counseling Team at

Should I talk to a financial counselor?

  • Do you have a poor credit score that you’d like to increase?
  • Do you have financial stress that you don’t know how to handle?
  • Do you have long-term goals for yourself that you’re not sure how to achieve?
  • Do you want help planning for retirement?
  • Do you want to better understand your financial potential?

If you answered YES to any of the above questions, you would benefit greatly from financial counseling.

Common Questions

Is there any cost to the financial counseling?

No. One of the ways we are putting “Members First” is to offer free financial counseling. There is no cost to you and there are no products to buy. The service is offered solely to help our members improve their financial future.

Can a financial counselor give investment advice?

The short answer is no. Our counselors can help explain how different investments work, but they cannot make specific stock or investment recommendations.

What should I prepare for my counseling meeting?

To help your counselor better facilitate your meeting, we recommend you have a recent pay stub and a list of your current debt/current bills.

Tools for financial success

Setting your sights on a new goal? Use these printable worksheets to help review your spending, your budget, and to commit to a new saving plan.

Budget Tool

Track how much you spend each month


Bill Calendar

See all your bills and plan when they’re due


Creditor List

Create a “debt pay down plan” by first listing who, when, and how much you owe


Spending Plan

Plan the best way to manage your money coming in vs. your money going out


Expense Tracker

See how much you’re really spending vs. what you think you spend


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

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