Credit union · NCUA insured
The County Federal Credit Union
Top CarrotA $520.3M credit union headquartered in Presque Isle, ME, with 32,258 members and 8 branches in Maine. Best rates: CDs 4.49% and savings 1.31% APY.
The County Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#2 of 18 in Bangor, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About The County Federal Credit Union
The County Federal Credit Union was organized in 1956 as Loring Federal Credit Union to serve military and civilian personnel at Loring Air Force Base.
Operating as a member-owned cooperative, the credit union serves members across thirteen Maine counties.
- Headquarters
- 110 Carmichael St, Presque Isle, ME 04769
- NCUA charter
- 10794
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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, or attend school in Aroostook, Cumberland, Franklin, Hancock, Kennebec, Knox, Lincoln, Penobscot, Piscataquis, Sagadahoc, Somerset, Waldo, or Washington counties.
Employers and groups
- Entities or persons who own or operate a business located in or maintaining a facility in the eligible counties.
Family and household
- Immediate family members of current members.
Other ways
- Persons who take part in programs headquartered in the eligible counties.
- Persons who are volunteers in the community.
Branches
8 branches in Maine
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Maine
8 branches
Bangor area · 3
- Bangor Branch466 Main St, Bangor, ME 04401Directions
- Howland Branch16 Coffin St, Howland, ME 04448Directions
- Old Town Branch205 Main St, Old Town, ME 04468Directions
Caribou area · 1
- Caribou Branch82 Bennett Dr, Caribou, ME 04736Directions
Fort Fairfield area · 1
- Fort Fairfield Branch232 Main St, Fort Fairfield, ME 04742Directions
Houlton area · 1
- Houlton Branch247 North St, Houlton, ME 04730Directions
Mars Hill area · 1
- Mars Hill Branch1 Benjamin St, Mars Hill, ME 04758Directions
Presque Isle area · 1
- Presque Isle Branch776 Main St, Presque Isle, ME 04769Directions
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 | 10.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.58% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.52% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio10.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.58%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ 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 The County 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.