Credit union · NCUA insured
Sebasticook Valley Federal Credit Union
A $182.6M credit union headquartered in Pittsfield, ME, with 12,022 members and 3 branches in Maine. Best rates: CDs 4.00% and savings 1.01% APY.
Sebasticook Valley Federal Credit Union Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#11 of 18 in Bangor, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sebasticook Valley Federal Credit Union
Formed in 1953 in Pittsfield, Maine, Sebasticook Valley Federal Credit Union was originally organized to promote thrift and provide credit for employees of Northeast Shoe Company.
Formerly known as Maine Aire and Peoples Regional Federal Credit Union, the institution adopted its current name in 2002.
Sebasticook Valley Federal Credit Union serves Franklin, Kennebec, Penobscot, Piscataquis, Somerset, and Waldo Counties in Maine.
- Headquarters
- 505 Somerset Ave, Pittsfield, ME 04967
- NCUA charter
- 8936
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Field of membership includes Franklin, Kennebec, Penobscot, Piscataquis, Somerset, and Waldo Counties in Maine.
Branches
3 branches in Maine
Loading map…
Maine
3 branches
Bangor area · 2
- Nokomis High School266 Williams Rd, Newport, ME 04953Directions
- Sebasticook-Newport87 moosehead trl, Newport, ME 04953Directions
Pittsfield area · 1
- Sebasticook- PittsMain office505 Somerset Ave, Pittsfield, ME 04967Directions
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 | 15.41% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.92% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.30% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $112 | $76 | — |
- CapitalNet worth ratio15.41%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.92%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.30%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$112Peers’ 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 Sebasticook Valley 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.