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Open an Account

Get Started – Apply Online

If you live, work, worship, volunteer, or attend school in any of the following communities in Maine, we invite you to open an account. Come join us!

Waldo County, Knox County, Lincoln County, Sagadahoc County, Cumberland County as well as the town of Durham in Androscoggin County

We also welcome immediate family members and individuals that share a household with those that meet our eligibility criteria.  Additionally, we provide services to businesses and other legal entities within our field of membership.

Membership is required for High Yield Checking and all other products and services.

Open account Join online

Becoming a member is easy. Start by opening a Savings Account!

Eligible Maine residents or students can apply online in about 10 minutes or visit us in a branch near you.  You just need a valid ID, your Social Security number or Tax ID, and a minimum $5.00 deposit.

Start a Midcoast FCU Membership
MOJO - Member Owned Journey Optimized

Member Owned
Journey Optimized

Member Owned

You’re not only an account holder, you’re an owner!

Journey Optimized

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.

Start Your Journey with us Today!

Being a member has its benefits

As a member, you’re an owner

Not-for-profit-cooperative banking means we pass our profits to you in the form of higher share rates, lower fees and lower loan rates.

Easy online applications

Whether opening an account, or applying for a loan, we make it easy for you to do on any device.

Convenient digital banking

Manage your account from anywhere on any device. With user friendly navigation and embedded safety features for your security, digital banking is the branch in your pocket.

1 on 1 financial counseling

From setting savings goals and budgets, to improving your credit score, this service is offered to credit union members at no additional cost.

Co-op shared branching

We’ve partnered with over 5,700 credit union locations nationwide to allow you surcharge-free access to your Midcoast accounts all across the country.

Surf ATM Network

Our surcharge-free ATM network in Maine, allows our members access to over 250 locations.

Member favorites:

High Yield Checking

High Yield Checking

Credit Cards

Thrive teen debit card

Youth Accounts

share certificate

Share Certificates