Credit union · NCUA insured
University Credit Union
Top CarrotA $529.6M credit union headquartered in Orono, ME, with 31,058 members and 10 branches in Maine. Best rates: CDs 4.00% and savings 1.50% APY.
University Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#5 of 39 in Portland, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About University Credit Union
Founded in 1967, University Credit Union is a member-owned not-for-profit financial institution based in Maine.
- Headquarters
- 15 Main St, Orono, ME 04473
- NCUA charter
- 63133
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This may be incomplete or out of date, so check with the credit union before you apply.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 in, worship in, attend school in, or work in the rural district of Androscoggin, Cumberland, Franklin, Hancock, Kennebec, Knox, Oxford, Penobscot, Somerset, Waldo, and Washington counties, as well as businesses and other legal entities within the rural district boundaries, are eligible for membership.
Employers and groups
- Members of the Maine Consumer Council, a chapter of the American Consumer Council, are eligible for membership.
- Employees of University Credit Union are eligible for membership.
Military, government and schools
- Employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute, and employees of other units located on the campuses are eligible for membership.
Family and household
- Spouses of individuals who died while within the credit union's field of membership, as well as immediate family members (spouse, child, sibling, parent, grandparent, grandchild including step/adoptive) and persons living in the same residence maintaining a single economic unit of eligible individuals, are eligible for membership.
Branches
10 branches in Maine
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Maine
10 branches
Bangor area · 3
- 15 MainMain office15 Main St, Orono, ME 04473Directions
- Bangor977 Union St, Bangor, ME 04401Directions
- Memorial Union, U of M Campus, Orono5748 Memorial Un, University of Maine, Orono, ME 04469Directions
Portland area · 3
- Gorham Campus37 College Ave, Brooks Student Center, Gorham, ME 04038Directions
- Forest Avenue391 Forest Ave, Portland, ME 04101Directions
- Saco4 Community Dr, Saco, ME 04072Directions
Augusta area · 1
- Augusta67 Sewall St, Augusta, ME 04330Directions
Farmington area · 1
- Farmington154 High St, Farmington, ME 04938Directions
Machias area · 1
- MachiasPowers Hall, 116 OBrien Ave, Machias, ME 04654Directions
Presque Isle area · 1
- Presque Isle181 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 | 9.37% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.61% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.55% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $100 | $76 | — |
- CapitalNet worth ratio9.37%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.61%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.55%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$100Peers’ 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 University Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.