Hometown Community Spirit, Hometown Community Pride


How does a Credit Union work?

Joining a credit union is a lot like becoming a customer at a bank. But there is a BIG difference—when you join a credit union, you become not just a member, but an OWNER. The credit union’s members are its only owners. Lincoln Maine FCU is a non-profit cooperative where members pool their financial assets to provide funds for loans and other financial services available to members only. The universal philosophy of the credit union movement is: “Not for Profit — Not for Charity — But for Service.” Members are the heart of the credit union and the sole reason the credit union exists.

How do I know if I am eligible to becoming a member of Lincoln Maine FCU?

The field of membership is comprised of those people having the following common bond: Persons who live, work, or worship in Penobscot County, ME; members of their immediate family and organizations of such persons.

Interested in becoming a member of Lincoln Maine FCU?

To become a member, simply bring in your photo ID (driver’s license, or state or government issued ID) and your social security card, or bring in your a passport, and our New Accounts Representative will work with you to establish your share account in our credit union. There is a one-time $5.00 fee to open an account, and you are required to maintain at least a $25.00 share balance.