Midcoast

186 Lower Main Street, Freeport, ME 04032

NCUA Insured4.7 (30 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Freeport, ME may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

186 Lower Main Street

Freeport, ME 04032

Google Maps 🗺Waze

(207) 865-4443

Service Area

This credit union is located in Freeport and serves members in the ME area. Currently serving 16,007 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.49%

Used Auto Loan

7.49%

Personal Loan

17.99%

Credit Card APR

12.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in ME

Lowest rates currently reported by credit unions in ME (NCUA Q4 2025).

Central Maine— New Auto Loan

Lewiston, ME

4.48%

Central Maine— Used Auto Loan

Lewiston, ME

4.48%

Ancorum— Personal Loan

Bath, ME

6.00%

Atlantic Regional— Credit Card APR

South Portland, ME

2.49%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.7

30 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Chaussee Family

7 months ago

Just recently closed on a loan with MCFCU. Sharon has been great to deal with, and I want to thank her and the entire management team for their help in this process. Looking forward to our ongoing banking relationship!

Stuart Bicknell

4 months ago

Very helpful! Chloe and Emma couldn’t have been friendlier and were welcoming and knowledgeable!

Sherry

5 months ago

Always get excellent service here by friendly professional tellers

Joseph Ohlund

2 years ago

I’ve been banking with Midcoast for over five years and the team there is top notch! Their attention to the needs of their members and their willingness to make things work for you is unparalleled. I have a great report with Madison and Rhonda and they really make me feel like I matter! I recommend Midcoast to anyone and everyone in the market for a new banking institution!

June King

3 years ago

Singing the Credit Union’s praises once again. Madison and Amanda are so responsive, polite, friendly and professional. I was approved for a personal loan and had the money in my account in 24 hours. I am beyond impressed. Thanks again!