Credit union · NCUA insured
Town & Country Federal Credit Union
Top CarrotA $627.6M credit union headquartered in Scarborough, ME, with 38,593 members and 6 branches in Maine. Best rates: CDs 3.82% and savings 1.26% APY.
Town & Country Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#11 of 39 in Portland, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Town & Country Federal Credit Union
Town & Country Federal Credit Union is a member-owned, not-for-profit financial cooperative serving Cumberland and York County in Maine.
- Headquarters
- 32 Little Dolphin Drive, Scarborough, ME 04074
- NCUA charter
- 8486
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, attend school, or worship in Cumberland or York County, Maine are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
Family and household
- Family members of individuals eligible through Cumberland or York County residency/work/school/worship, or of current credit union members, are eligible for membership.
Branches
6 branches in Maine
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Maine
6 branches
- Forest Avenue Branch426 Forest Ave, Portland, ME 04101Directions
- Northgate Branch3 Auburn St, Portland, ME 04103Directions
- Saco Branch52 Elm St, Saco, ME 04072Directions
- Scarborough Branch257 US Route 1, Scarborough, ME 04074Directions
- Main Street Branch557 Main St, South Portland, ME 04106Directions
- Millcreek Branch170 Ocean St, South Portland, ME 04106Directions
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 | 8.49% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.35% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.34% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio8.49%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.35%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.34%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ 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 Town & Country 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.