Winthrop Area
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1937
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 Winthrop, 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 1937
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Winthrop and serves members in the ME area. Currently serving 7,942 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 · NCUAKey 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
6.25%Used Auto Loan
6.25%Personal Loan
9.50%Credit Card APR
11.50%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).
Lewiston, ME
Lewiston, ME
Bath, ME
South Portland, ME
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(1 total)
Member Reviews
3.5
21 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Blakehooper123
3 years ago
Home to the town of Winthrop, this Credit Union has been reasonable with their interest rates. ATM(s) (Winthrop, Wayne, Augusta) are constantly out of commission which makes it hard to always be close to home and withdraw funds. They’ve onboarded a lot of new and friendly faces, which was much needed, and makes the personal experience warming and welcoming.
Stephen Singleton
3 years ago
Very hard to make payments for loans. Thankful for the loan but wish it was easier to make payments they are not very convenient at all. Couldn't get bank to bank transfer to work and did direct deposite and still have to some how get there b4 they close and sign paperwork again to allow them to take the money its crazy how they do business
Clark Phinney (Eachtra Adventures)
3 years ago
If you want a credit union with a local phone number that has the auto attendant set so the call is disconnected as soon as you try to transfer anywhere, enjoy not having emails and portal messages responded to, like being at the only credit union that does not allow deposits at any of their ATM's, and has an entire staff of employees with rude attitudes and who are not able to make transactions be a simple and painless process - this is likely the place for you. If however you like to use ATM's, like having folks be pleasant to you and actually treat you like a customer, like having your bank actually respond to you with respect and in a timely manner and not make even the simple things seem to be the end of the world for them that they have to go out of their way to perform then anyplace is better than Winthrop Area Federal Credit Union.
Lucas HoddWells
5 years ago
Probably some of the worst customer service I have ever received from multiple different employees, on multiple different occasions. I was even laughed at, for a few of my questions over the phone. Have been a member for almost ten years, and looks like I won’t be getting to that bench mark. Go to a different credit union
Kristy Kennerson
8 years ago
Love this bank! Tellers are all very friendly and helpful :)
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).
Key Information
Phone
(207) 377-2124Website
Visit WebsiteMembers
7,942
Total Assets
$103.3M
Year Opened
1937
Net Worth
Well Capitalized
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile