Credit union · NCUA insured
Lincoln Maine FCU
Top CarrotA $161.6M credit union headquartered in Lincoln, ME, with 6,920 members and 1 branch in Maine. Best rates: CDs 4.29% and savings 2.33% APY.
Lincoln Maine FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#1 of 18 in Bangor, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lincoln Maine FCU
Lincoln Maine FCU is a member-owned cooperative headquartered in Lincoln, Maine.
- Headquarters
- 171 W Broadway, Lincoln, ME 04457
- NCUA charter
- 17362
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, or worship in Penobscot County, ME are eligible for membership.
Family and household
- Immediate family members of persons who live, work, or worship in Penobscot County, ME are eligible for membership.
Other ways
- Organizations of persons who live, work, or worship in Penobscot County, ME are eligible for membership.
Cost to join
- There is a one-time $5.00 fee to open an account.
- Members are required to maintain at least a $25.00 prime share balance.
Branches
1 branch in Maine
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Maine
1 branch
- Lincoln Maine Federal Credit UnionMain office171 W Broadway, Lincoln, ME 04457Directions
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 | 12.11% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.07% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.07% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio12.11%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.07%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.07%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ 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 Lincoln Maine FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.