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 apply online HERE, or 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 prime share balance.

Meet the Staff: (we will be introducing them over the summer starting 6/15/21)

Feature Member Service Rep BethBeth is our “all things new accounts” guru! From IRAs to KASASA Beth can help with so many things! Beth enjoys time with her family, cooking and home projects.

Come see Beth at new accounts today!


Morgan is a great loan officer that works hard to meet the members where they are! Along with camping, Morgan loves to read and spend time with family and friends.

Come see Morgan for your loan needs!



Tiffany is a hard working debt resolution specialist willing to work with members to make ends meet. With kids, she spends a lot of her free time having fun with her family. She has a love for animals and hopes to expand with more in her new home!

Don’t let your loans go, talk to Tiffany about your options!

DeniseDenise is a long time Member Service Rep that is very good at what she does. She knows many members and engages with them personally. In her free time she enjoys tending her flowers, boating on her pontoon with a good book, & soaking up the sun. She also loves to spend time with her grandbabies.

LucasLucas, is a very versatile employee from answering phones, new accounts, all the way to debt resolution he can do many things, often at the same time! Also a full time student, Lucas is very busy and hard working. He enjoys spending time with his girlfriend, niece & family, and gaming with friends.


Ryan is our go to for just about anything! From IT, to ATMs, to systems and policy, he knows it all.
“I am a graduate of Maine Maritime Academy. I have coached soccer in various capacities since 1999, and formed the Cold Stream Soccer Club with my dad. I enjoy spending weekends with my family and friends on the lake, or at my camp in the woods of Springfield with my GSP pup.” ~Ryan
Meet the member Dakotah

Dakotah is one of our newer tellers, she works hard and is a quick learner. She enjoys spending time with her family, going on walks, sewing and of course… all things Christmas! She also enjoys time with her pets.

Ann is our back office guru, she works hard behind the scenes to keep the credit union running smooth for our members. She loves camping & to spend time with and spoil her grandbabies!

Feature staff TylerA hard working part time teller, Tyler learns quickly and is always willing to help. Tyler is a full time student heading back to school in the fall. He also enjoys gaming, camping & being with friends, and also fishing!

Enthusiastic is only the beginning of introducing our dedicated loan officer, Sherry. Having spent what may seems like her whole life at LMFCU Sherry knows her members on a personal level. Sherry loves the members and the members love her!

Sherry loves to spend time with her kids and granddaughter. One of her favorite things is to just be out on her pond!

As a talented cards specialist, Eric is the one to call with all your card questions. Learning more about fraud, Eric can help catch fraudsters early! Eric enjoys camping, music and his fur babies.