Credit union · NCUA insured
Acadia Federal Credit Union
A $408.1M credit union headquartered in Fort Kent, ME, with 18,300 members and 9 branches in Maine. Best rates: CDs 4.25% and savings 1.01% APY.
Acadia Federal Credit Union Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#8 of 18 in Bangor, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Acadia Federal Credit Union
Operating since 1963 as a member-owned credit union, Acadia Federal Credit Union serves communities across Aroostook, Hancock, Penobscot, Piscataquis, and Washington counties in Maine.
Based in Fort Kent, Maine, the credit union operates nine branch locations and an operations center.
- Headquarters
- 9 E Main St, Fort Kent, ME 04743-1306
- NCUA charter
- 15619
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Aroostook, Hancock, Penobscot, Piscataquis, or Washington County.
Branches
9 branches in Maine
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Maine
9 branches
Bangor area · 3
- Broadway Office713 Broadway, Bangor, ME 04401Directions
- Webber Office417 State St Ste 140, Bangor, ME 04401Directions
- Brewer Office618 Wilson St, Brewer, ME 04412Directions
Fort Kent area · 1
- Main OfficeMain office9 E Main St, Fort Kent, ME 04743Directions
Ashland area · 1
- Ashland Office131 Main St, Ashland, ME 04732Directions
Madawaska area · 1
- Madawaska Office90 Main St, Madawaska, ME 04756Directions
Presque Isle area · 1
- Presque Isle Office725 Main St, Presque Isle, ME 04769Directions
Saint Agatha area · 1
- St. Agatha Branch315 Main St, Saint Agatha, ME 04772Directions
Saint Francis area · 1
- St. Francis Office907 Main St, Saint Francis, ME 04774Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.08% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.12% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.51% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $98 | $76 | — |
- CapitalNet worth ratio11.08%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.12%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$98Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Acadia Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.