Midcoast Federal Credit Union is a full-service, not-for-profit financial cooperative, owned by our members and headquartered in Freeport, Maine. We offer simple and effective financial services and education for the hardworking people and businesses in Cumberland, Sagadahoc, Lincoln, Knox, and Waldo Counties. Since its inception in 1956 as St. Mary’s Federal Credit Union in Bath, the Credit Union continues to grow and set forth the principles that we were founded upon.

We welcome you to explore our website and learn more about our mission and core values, our innovative products and services, as well as our financial literacy tools. Our goal is to empower our members with the resources needed to enjoy financially successful lives. Each day brings forth an opportunity to improve upon that success – so let’s get started!

Our Mission

Cultivating a thriving community, together.
This mission speaks to our commitment to being a positive force, not only in the lives of our members, but also in the communities we serve, and to collaborate with other like-minded organizations in Mid Coast Maine.

Our Core Values

Members First
Serving our members with transparency and integrity to empower their financial success.

Locally Present
Actively serving the best interests of our diverse community.

Education Driven
Committed to lifelong learning, growth, and development.

Future Forward
Delivering the tools and technology to excel in tomorrow’s world.