Current Members
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Become a Member!
If you live, work, worship, or attend school in Aroostook, Penobscot, or Piscataquis Counties, you’re eligible to join The County Federal Credit Union!
The $5 it takes to open a share savings account means you’ll own a share of the credit union. We don’t have investors like banks, so will always work in the best interest of our members. Once you join, you can always stay with The County, regardless of job changes, retirement, or relocation.
Check out some of the different ways you can enjoy membership at The County!
Share Savings
Enter a world of savings with our Share Savings Account! Preview our account types in the links below. Just $5 will open an account today!
Monty Moose Savings Account
The Monty Moose share account is a special savings program for members up to age 12 who wish to begin saving. Just $5 is needed to open an account! The credit union will provide an incentive for the children to save by presenting them with wooden bucks that can be used to purchase gifts from the prize wall.
- Minimum $5.00 balance
- Earns the highest share account rate of interest
- Special identification cards are provided
- Each time a deposit of $10.00 or more is made one wooden buck is presented
- Prize Walls are located at each branch location
- Each prize on the Prize Wall costs 5 wooden bucks
- Dividends are compounded daily and paid monthly
- Convenient 24-hour access to your Monty Moose share account with online services
- Funds are federally insured up to at least $250,000.00 by the National Credit Union Administration
Teen Savings Account
- A Teen Account is for teens aged 13-18. Only $5 is needed to open an account!
- Minimum $5.00 balance
- Dividends are compounded daily and paid monthly
- Convenient 24-hour access to your Monty Moose share account with online services
- Funds are federally insured up to at least $250,000.00 by the National Credit Union Administration
Share Savings Account
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- This is similar to a savings account but called a share because by having this account each member owns a share of the credit union and gives you access to all the benefits of all our products and services.
- As long as you maintain this account you are a member for life!
- Minimum $5.00 balance
- No Monthly Fees
- Up to $4,000.00 of Accidental Death & Dismemberment insurance available to you at no cost by submitting an application
- Dividends are compounded daily and paid monthly
- Borrow against your shares for 3% above the dividend rate being earned
- Funds are federally insured up to at least $250,000.00 by the National Credit Union Administration
- Convenient 24-hour access to your share account with the following services: Visa Debit Card*,
- Online Banking, Mobile Banking with County MoGO and iTalk
- Access your account nationwide using Shared Branching
YES Accounts
With three different YES Accounts to choose from, there’s something for everyone. From cash back rewards to a Round-It-Up feature, these are the most unique checking accounts in Maine!
YES Checking
All the perks of our regular checking account, but with SO MUCH MORE!
- No Minimum Balance!
- Free Online Banking
- Free VISA Debit Card
- Free Mobile Check Deposit*
- Free Mobile Banking (via County MoGO App)
- Free Bill Pay
- Free iTalk
- Free eStatements (required)
- Free Direct Deposit
- Overdraft Protection available
- SURF (Surcharge Free) Alliance (over 250 Surcharge-Free ATM Locations in Maine)
- Dividends are compounded and paid quarterly on balances above $2,500.00Unlimited check writing
- $250.00 credit toward mortgage closing costs*
- Up to $4,000.00 of Accidental Death & Dismemberment insurance is available to you at NO COST by submitting an application
- Free Shared Branching- (Bank at 175 Maine locations & 5,500 nationwide)
YES Checking Account with ROUND-IT-UP FEATURE:
All of the items listed above plus an optional Round-It-Up feature.
The Round-It-Up Feature helps members put money in their Savings Account for Effortless Savings! To enjoy the Round-It-Up Feature, you must establish a YES Checking Account with debit card access, online banking, and e-Statements at The County Federal Credit Union. When you add the Round-It-Up Feature, the amount of any debit card purchase you make using your CFCU debit card is rounded up to the nearest whole dollar. The difference between the purchase amount and the whole dollar amount will be transferred from your share draft account to your share account.**
*Up to $250 for closing costs will be provided on the settlement statement of mortgage closing.
**If the full rounded-up amount to be transferred is not available in the draft account at the time of the transaction/purchase, only the available amount will be transferred. If the share has a $0.00 balance or less, a transfer will not occur. Each day during the end-of-day processing, the aggregate rounded-up amount will be transferred into your share account. After you have chosen the Round-It-Up Feature, you can request that CFCU turn it off 30 days or more after account opening. The Round-It-Up feature will not be turned on again for at least six months after being turned off.
YES Cashback Rewards Checking
All the amazing perks of our YES Checking, but with MORE benefits:
- Cashback rewards of up to $15.00 per month.
Rewards paid to qualifying accounts at month end:
- 1.00% monthly Cash Back reward on debit card purchases. Maximum reward $15.00 per month.
- Up to $15.00 of ATM fees are refunded monthly for Out-Of-Network ATMS.
- If the qualifications for a monthly cycle are not met, there is a $2.00 monthly fee.
Rewards are earned by meeting ALL of the following criteria during the month:
- 15 debit card transactions within the statement period
- Account is enrolled in eStatement
- The account receives a minimum monthly $500.00 Direct Deposit
- The member accesses online or mobile banking at least one time during the month.
YES High-Yield Rewards Checking
- No minimum balance
- $250.00 credit toward new mortgage loan closing costs
Rewards are earned each month by meeting ALL of the following requirements during the month:
- 15 debit card transactions within the statement period
- Account is enrolled in eStatement
- The account receives a minimum monthly $500.00 Direct Deposit
- The member accesses online or mobile banking at least one time during the month.
Rewards paid to qualifying accounts at month end:
- Prevailing APY* on average daily balances $2,500.00 to $10,000.00
- Lower Prevailing APY* on average daily balances $10,001.00 to $15,000.00
- 0.05% APY* on balances over $15,000.00
- Up to $15.00 of ATM fees are refunded monthly for Out-Of-Network ATMs.
- If the qualifications for a monthly cycle are not met, there is a $2.00 monthly fee and the account earns 0.20% APY on balances $2,500.00 to $15,000.00.
- Dividends are compounded daily and paid monthly
Checking
We have multiple Checking Account types to provide you with quick, convenient, and safe access to your money. Preview our account types in the links below. Open an account today!
free4ME Account
This is similar to our regular checking account but only available to the 25-and-under crowd. A checking account just for you!
- No Minimum Balance
- No Monthly Fees
- Oops Refund! Twice per year you can call and get a service fee charge reversed.
- Free County MoGO app
- Free County BillPay
- Free Online Banking
- Free Mobile Check Deposit
- Free eStatements
- Funds are federally insured up to at least $250,000.00 by the National Credit Union Administration
- Convenient 24-hour access to your share account with the following services: Visa Debit Card*, Online Banking, Mobile Banking with County MoGOand iTalk
Access your account nationwide using Shared Branching
Traditional Checking Account
The County Federal Credit Union’s share draft/checking account is easy to use and gives you many added benefits without added fees.
- Free VISA Debit Card
- Free Mobile Check Deposit*
- Free Mobile Banking (via County MoGO App)*
- Free Bill Pay*
- Overdraft Protectionavailable
- SURF (Surcharge Free) Alliance-(over 235 Surcharge-Free ATM Locations in Maine)
- Free iTalk
- Free Online Banking*
- Free CU e-Statements
- Free Shared Branching– (Do your banking at 170 Maine locations & 5,300 nationwide)
- Free Direct Deposit
- Dividends are compounded and paid quarterly on share draft/checking accounts on balances above $2,500.00
- Competitive rates
- Unlimited check writing
- A low monthly service fee of only $2.00 on account balances below $300.00
- 55+ Free Checking
- Funds are federally insured up to at least $250,000.00 by the National Credit Union Administration
55+ Checking Account
The County Federal Credit Union offers a special share draft/checking account to its members who are 55 or older. With this account you receive the following benefits:
VISA Debit Cards available
Overdraft protection
SURF
iTalk
Online Banking
CU e-Statements
Shared Branching
Direct Deposit
- No minimum balance
- Unlimited check writing
- No monthly service fee
- 2 Free boxes of Regal or Maine Scenes checks per year
Club Accounts
Save for the holidays or vacation! We have the products you need to meet your financial goals. Preview our account info in the link below.
Christmas Club
Save for the holidays or for an end-of-year treat! The first deposit is scheduled to start
in the second week of October and continue until the end of September of the following
year.
- The funds are liquidated on October 1st (after dividends have been paid).
- The funds are deposited to the member’s share account.
- Regular deposits are not required, it is up to the member how much/how often deposits
are made. - The member can choose to have regular transfers made to the club by internal transfer.
- Club accounts cannot have direct deposits from an outside source (such as payroll
deduction). - Funds can only be transferred into a Christmas club via Online Banking or iTalk.
- Withdrawals made prior to the maturity date (September 30th of each year) are subject
to an early withdrawal fee. - Dividends are compounded and paid monthly.
Multi-Purpose Club
These accounts are opened as a subaccount and are intended to help you save for a
specific purpose (taxes, insurance, vacation, etc.). The club is listed on the same
statement as the share account.
- No minimum balance!
- Deposits and withdrawals can be made at any time.
- The member can choose to have regular transfers made to the club by internal transfer.
- Club accounts cannot have direct deposits from an outside source (such as payroll
deduction). - The account can be accessed via Online Banking or iTalk.
- Dividends are compounded and paid monthly.
- Funds are federally insured up to $250,000.00 by the National Credit Union
- Administration (NCUA).
Share Certificate / CD Account
Make your money work for you! Our share certificate, commonly called a CD, can help you grow your money at a higher rate over time. Preview terms and conditions in the link below.
Terms can be as short as 3 months or as long as 5 years, so pick the term that suits your needs.
- Great Rates!
- Minimum balance as low as $500.00
- Dividends are compounded daily and paid monthly
- Funds are federally insured up to at least $250,000.00 by the National Credit Union Administration
- Borrow against your share certificate for 3% above the dividend rate being earned
- Early withdrawal penalties may apply
- Convenient access to your share certificate account with the following services: Online Banking and Teller Phone
Premium Savings
The Premium Savings Account is a savings account that offers higher dividend rates based on your balance without tying up your money.
- Minimum balance of only $2,000.00 to maintain the account
- No early withdrawal penalty
- Earns a higher dividend rate than regular shares
- Tiered rates depending on the deposit balance
- Dividends are compounded daily and paid monthly
- Convenient 24-hour access to your premium savings account with the following services: Online Banking, Mobile Banking via County MoGO and iTalk
- Access your account nationwide using Shared Branching
- Funds are federally insured up to at least $250,000.00 by the National Credit Union Administration
- Great Rates!
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