Credit union · NCUA insured
Eastmill Federal Credit Union
Top CarrotA $78.6M credit union headquartered in East Millinocket, ME, with 4,070 members and 2 branches in Maine. Best rates: CDs 4.07% and savings 0.15% APY.
Eastmill Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#7 of 18 in Bangor, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Eastmill Federal Credit Union
Eastmill Federal Credit Union is a member-owned financial institution founded in 1954.
It serves the communities of East Millinocket and Patten, Maine, operating two branch locations.
- Headquarters
- 60 Main St, East Millinocket, ME 04430-1128
- NCUA charter
- 9518
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who reside, work, worship, or attend school in Penobscot County, Southern Aroostook County, and Central Aroostook County.
Cost to join
- Members are required to open a Prime Share Savings account and maintain a $25.00 balance.
Branches
2 branches in Maine
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Maine
2 branches
- Eastmill Federal Credit UnionMain office60 Main St, East Millinocket, ME 04430Directions
- Eastmill Federal Credit Union4 Church St, Patten, ME 04765Directions
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 | 18.56% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.34% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $52 | $59 | — |
- CapitalNet worth ratio18.56%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.34%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$52Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Eastmill 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.