Credit union · NCUA insured
Oxford Federal Credit Union
Top CarrotA $370.2M credit union headquartered in Mexico, ME, with 20,296 members and 3 branches in 2 states. Best rates: CDs 4.30% and savings 2.00% APY.
Oxford Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Oxford Federal Credit Union
Oxford Federal Credit Union is a full-service financial institution serving members in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset and York counties in Maine.
- Headquarters
- 225 River Rd, Mexico, ME 04257
- NCUA charter
- 2645
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or goes to school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York County in Maine.
Family and household
- Eligible if you are an immediate family member of someone who is already an OFCU member.
- Eligible if you share a residence with someone who is already an OFCU member.
Cost to join
- A $5 minimum deposit is required to open a Share Savings account.
Branches
3 branches in 2 states
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Maine
2 branches
Mexico area · 1
- Main OfficeMain office225 River Rd, Mexico, ME 04257Directions
Norway area · 1
- Branch Office54 Fair St, Norway, ME 04268Directions
Florida
1 branch
- Co-Op Financial Services615 Channelside Dr Ste 204, Tampa, FL 33602Directions
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 | 16.16% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.48% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.63% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $72 | $76 | — |
- CapitalNet worth ratio16.16%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.48%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.63%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$72Peers’ 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 Oxford 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.