Credit union · NCUA insured
Central Maine FCU
Top CarrotA $143.1M credit union headquartered in Lewiston, ME, with 6,460 members and 1 branch in Maine. Best rates: savings 2.27% APY.
Central Maine FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#6 of 17 in Lewiston, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Central Maine FCU
Central Maine Federal Credit Union was organized in October of 1950 and is located in Lewiston, Maine.
The credit union serves individuals across Androscoggin, Franklin, Hancock, Kennebec, Knox, Lincoln, Oxford, Somerset, and Waldo counties in Maine.
- Headquarters
- 1000 Lisbon St, Lewiston, ME 04240-5721
- NCUA charter
- 6936
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This may be incomplete or out of date, so check with the credit union before you apply.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, attends school, or worships in the Maine counties of Androscoggin, Franklin, Hancock, Kennebec, Knox, Lincoln, Oxford, Somerset, and Waldo.
Branches
1 branch in Maine
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Maine
1 branch
- Central Maine Federal C.U.Main office1000 Lisbon St, Lewiston, ME 04240Directions
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 | 14.66% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.66% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.42% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $37 | $76 | — |
- CapitalNet worth ratio14.66%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.66%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.42%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$37Peers’ 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 Central Maine FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.