Skip to content
Midcoast FCU / Open An Account

Open An Account

Our goal is to empower our members with the resources needed to enjoy financially successful lives.  Each day brings forth an opportunity to improve upon that success – To become a member, just open a Midcoast FCU Savings account All it takes is $5.00! …so let’s get started!

Get Started – Apply Online
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

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.

Midcoast FCU proudly serves the mid coast Maine

Serving the Midcoast region since 1956.

We are a full-service, not-for-profit financial cooperative, owned by our members and headquartered in Freeport, Maine. We serve the communities of Waldo, Knox, Lincoln, Sagadahoc and Cumberland Counties, along with the town of Durham in Androscoggin County.

Our members love…

Teen Digital Banking

Digital Banking

PERKs visa - get rewarded for shopping local

LOCAL REWARDS Visa

Youth Accounts