Back to Orono credit unions

University

15 Main St, Orono, ME 04473
NCUA Insured3.4 (30 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1967

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

Location & Directions

Address

15 Main St

Orono, ME 04473

Service Area

This credit union is located in Orono and serves members in the ME area. Currently serving 31,566 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

4.99%

Used Auto Loan

4.99%

Personal Loan

9.99%

Credit Card APR

11.99%

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).

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

Branches & Locations(10 total)

Member Reviews

3.4

30 Google reviews

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

View on Google Maps
Sarah Morrill

Sarah Morrill

8 months ago

I banked with UCU for 15+ years and for the first 10 years I had a fantastic experience. In the last five years they changed how they operate and treat members, the customer service is poor and I’ve had really bad experiences. I will no longer be banking with them, and I have heard of the same experience from other members. They are overall not well liked as a banking institution.

Dalton

Dalton

2 years ago

Will charge randomly higher late payments whenever they feel like it. Multiple late payments in a month. Gives the air they have no idea what’s going on, and they get overwhelmed really easily despite the vast majority of their customer base being calm elderly folks. Probably get paid far too much for delivering sub-par banking services as well. You’re better off using a bank. Hold them accountable for the mistakes they *will* make in regards to your bank account, if you’re poor, expect to be worse off using their services as they hit you with endless fees, including paper statement fees when you’ve enrolled for online banking.

Sarah Morrill

Sarah Morrill

2 years ago

After loyally doing my business and personal banking with UCU for fourteen years, I was incredibly disappointed in their treatment of me as a customer since 2020. I believe their account fee practices are predatory, as well as their overall approach to customer service, and the services they say they offer such as “Shared Branch Banking” are not as hassle-free as they make them out to be. Some of their main branch employees seem to be poorly trained and give out mis-information on important member questions. In addition, their online banking platform is not particularly user friendly. I’m very disappointed in my experience. I used to love banking with them, particularly at my local Portland branch where I received fantastic customer service, particularly from Shawn who was always wonderful to work with. It’s sad to see a large banking company not value relationships with customers. They lost a lifelong member.

Spencer Parks

Spencer Parks

2 years ago

Do not use them, they are a scam they changed their policy and now they want to charge you a $10 fee just to pay your bill over the phone. when you contact customer service no one seems to care. Update, i called again today to see if they would waive their ridiculous fee i was told quote " we cant waive the fee, but if you download the app you can not pay a fee and you wont have to keep bugging us".... thats top notch customer service UCU, tell your customers they are bugging you. Terrible bank closing all accounts tomorrow.

Kathleen

Kathleen

4 years ago

I have banked with UCU for several years and have always had prompt and excellent customer service experiences. It's what has kept me a member even after moving away. UCU has incredible employees and I would highly recommend this financial institution to anyone.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).