Credit union · NCUA insured
Maine Highlands Federal Credit Union
A $226.6M credit union headquartered in Dexter, ME, with 14,196 members and 6 branches in Maine. Best rates: CDs 4.07% and savings 0.10% APY.
Maine Highlands Federal Credit Union Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#12 of 18 in Bangor, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Maine Highlands Federal Credit Union
Organized in April 1966 as Dexter Shoe Federal Credit Union, Maine Highlands Federal Credit Union was established by the management and employees of the Dexter Shoe Company.
It became Dexter Regional Federal Credit Union in 1970 before adopting the Maine Highlands Federal Credit Union name in 2005.
Holding a low-income designation since 1999, the credit union serves Piscataquis, Penobscot, and Somerset counties in Maine.
- Headquarters
- 73 Main St, Dexter, ME 04930
- NCUA charter
- 17398
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This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live, work, worship, or attend school in the rural district of Piscataquis, Penobscot, or Somerset Counties, Maine.
Employers and groups
- Membership is open to employees of the credit union.
Family and household
- Membership is open to members of the immediate families of eligible persons.
Other ways
- Membership is open to organizations of persons who are within the credit union's field of membership.
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Branches
6 branches in Maine
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Maine
6 branches
Bangor area · 1
- Main Office - DexterMain office73 Main St, Dexter, ME 04930Directions
Brownville area · 1
- Brownville Branch194 Main Rd, Brownville, ME 04414Directions
Canaan area · 1
- Canaan Branch216 Main St, Canaan, ME 04924Directions
Dover-Foxcroft area · 1
- Dover Foxcroft Branch955 W Main St, Dover-Foxcroft, ME 04426Directions
Greenville Junction area · 1
- Greenville Branch393 Pritham Avenue, Greenville Junction, ME 04442Directions
Guilford area · 1
- Guilford Branch23 Hudson Ave, Guilford, ME 04443Directions
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 | 10.93% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.32% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.01% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio10.93%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.32%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.01%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ 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 Maine Highlands 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.