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, worship or conduct business is the 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, state or government issued ID, or passport) and your social security card, 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.