Credit union · NCUA insured
Cumberland County Federal Credit Union
Top CarrotA $488.5M credit union headquartered in Falmouth, ME, with 22,101 members and 6 branches in Maine. Best rates: CDs 4.23% and savings 1.76% APY.
Cumberland County Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#7 of 39 in Portland, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cumberland County Federal Credit Union
Founded in 1954 in Falmouth, Maine, Cumberland County Federal Credit Union was originally organized by teachers to provide savings and lending products to educators and their families.
The credit union expanded to municipal employees in 1973, merged with Portland Teachers, became a community credit union in 2005 adopting its current name, and merged with Portland Regional in 2006.
Today, CCFCU is a member-owned cooperative financial institution focused on serving members and communities across Maine.
- Headquarters
- 101 Gray Rd, Falmouth, ME 04105
- NCUA charter
- 9500
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships or studies in Androscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, or York County, Maine is eligible to join.
Family and household
- Family members of current members (any person related to a primary member by blood, marriage, or legal or administrative proceeding, wherever they reside) are eligible to join.
Branches
6 branches in Maine
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Maine
6 branches
- FalmouthMain office101 Gray Rd, Falmouth, ME 04105Directions
- Gray43 Lewiston Rd, Gray, ME 04039Directions
- Portland1345 Washington Ave, Portland, ME 04103Directions
- Westbrook150 Main St, Westbrook, ME 04092Directions
- Windham808 Roosevelt Trl, Windham, ME 04062Directions
- Yarmouth808 Route 1, Yarmouth, ME 04096Directions
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 | 10.10% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.90% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.03% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio10.10%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.90%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.03%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ 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 Cumberland County 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.