Credit union · NCUA insured
Maine Savings Federal Credit Union
A $852M credit union headquartered in Hampden, ME, with 42,905 members and 12 branches in Maine. Best rates: CDs 4.00% and savings 0.10% APY.
Maine Savings Federal Credit Union Carrot Score
83
Carrot Score
Higher than 64% of U.S. banks and credit unions
#9 of 18 in Bangor, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Maine Savings Federal Credit Union
Founded in 1961, Maine Savings Federal Credit Union is a member-owned credit union.
- Headquarters
- 101 Western Ave, Hampden, ME 04444
- NCUA charter
- 14565
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This may be incomplete or out of date, so check with the credit union before you apply.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 available based on where you live.
Employers and groups
- Membership is available based on where you work.
Family and household
- Membership is available based on relationship to another member.
Cost to join
- Membership requires depositing $5 to buy a share in a share account ($5 per member; refundable if leaving membership).
Branches
12 branches in Maine
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Maine
12 branches
Bangor area · 7
- HampdenMain office101 Western Ave, Hampden, ME 04444Directions
- Bangor, Broadway671 Broadway, Bangor, ME 04401Directions
- Bangor, Hammond St868 Hammond St, Bangor, ME 04401Directions
- Stillwater878 Stillwater Ave Ste D, Bangor, ME 04401Directions
- BrewerTwin City Plaza, 280 State St, Brewer, ME 04412Directions
- Corinth500 Main St, Corinth, ME 04427Directions
- Old Town/College Ave1002 Stillwater Ave, Old Town, ME 04468Directions
Bar Harbor area · 1
- Jackson Laboratory600 Main St, Bar Harbor, ME 04609Directions
Ellsworth area · 1
- Ellsworth25 Resort Way, Ellsworth, ME 04605Directions
Milo area · 1
- Milo122 Park St, Milo, ME 04463Directions
Portland area · 1
- Portland, Forest Ave883 Forest Ave, Portland, ME 04103Directions
Augusta area · 1
- Vassalboro912 Main St, Vassalboro, ME 04989Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.91% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.69% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.65% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio7.91%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.69%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.65%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ 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 Savings 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.