MIDCOAST FEDERAL CREDIT UNION

Welcome to Midcoast, your trusted credit union located at 41 Route One, Edgecomb, ME 04556. Established in 1956, we've been dedicated to serving our community for over six decades. With a total membership of 15,792 and assets exceeding $261 million, we pride ourselves on being a financial partner that truly understands the needs of our members. At Midcoast, we believe in providing more than just banking services; we are committed to making a positive impact in the lives of those we serve. Our total deposits amount to $3,865,413, reflecting the trust our members place in us. With a net worth of $28,067,402 and $2,319,240 in cash reserves, you can rest assured knowing your finances are secure with us. Under the leadership of our CEO, Joseph Gervais, and Board President Richard Hart, our dedicated team of 75 employees is here to assist you every step of the way. Whether you're looking for personal banking solutions like checking accounts or loans totaling over 12,028 loans and leases or business banking options tailored for local enterprises, we have you covered. While members can visit us at our Edgecomb branch for all their banking needs, official correspondence should be sent to the same address: 41 Route One, Edgecomb, ME 04556-3040. Explore what Midcoast can do for you by visiting our website at midcoastfcu.me or give us a call at 207-882-7919 today. We're excited to help you achieve your financial goals!

At Midcoast, we believe that everyone deserves a chance to be part of a community that cares. Becoming a member is simple and rewarding, opening the door to a variety of benefits tailored just for you. If you live, work, or worship in our service area, or if you're related to someone who does, you're likely eligible to join us. We welcome individuals from all walks of life, and becoming a member means joining a supportive family focused on your financial well-being. For detailed eligibility requirements, feel free to check out this resource: https://midcoastfcu.myori.com/app/oao/membership . Once you're ready to take the next step, opening an account with Midcoast is a breeze! You can find all the information you need about starting your membership right here: https://www.midcoastfcu.me/apply-for-a-loan/ . If you have any questions or need assistance, don't hesitate to call us at (207) 882-7919. We're excited to help you begin your journey with us at our branch located at 41 Route One Edgecomb Me 04556!

At Midcoast, we understand that your time is valuable. That's why our digital and online banking services are designed to provide you with convenience, security, and control over your finances, all from the comfort of your home or on the go. With just a few clicks, you can access our comprehensive online banking platform at https://www.midcoastfcu.me/ . Here, you'll find features like e-statements, which allow you to receive your bank statements electronically no more paper clutter! Plus, our electronic signature authorization makes it easier for you to handle transactions securely without needing to visit the branch in person. Managing your money has never been simpler. Our mobile application gives you the power to check balances, make transfers, and pay bills right from your smartphone. And if you're someone who enjoys making quick payments to friends or family, our person-to-person transfer feature allows you to send money instantly with just a few taps. Need to make a purchase? Our mobile payments feature lets you use your device for contactless transactions at participating merchants. It's fast and secure just another way we help you stay ahead in today's busy world. At Midcoast, we believe that banking should be available whenever you need it. That's why our 24/7 online banking services ensure that your accounts are accessible around the clock. Whether it's checking your account balance late at night or transferring funds during your lunch break, we've got you covered. Join us at Midcoast and experience how easy banking can be. With all these features at your fingertips, managing your finances has never felt so simple!

At Midcoast, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trusting a financial institution requires assurance of its strength and reliability. That's why we are proud to share insights into our financial health. With a net worth of $28,067,402, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.72% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $55,425,559 in share certificates and $48,207,855 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $27,564,800 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $24,691,129 in used auto loans and an impressive total of $208,705,246 in loans and leases available to support our members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, which allows us to focus on maintaining competitive loan rates and solid financial products for our members. Additionally, we take pride in having 72 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With $362,060 available for lending and investments, our net shares reflect the funds ready to support your needs. We also boast a strong member base with a total of 36,424 share accounts, showcasing the trust placed in us by our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Midcoast is your trusted partner. Visit us at 41 Route One Edgecomb ME 04556 or call 207-882-7919 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.*

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