PO Box 434
Old Town, ME 04468
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.62% →
1-Year CD 1.01% 1.55% →
2-Year CD 1.26% 1.45% →
5-Year CD 1.76% 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Penobscot County is an NCUA insured institution located in Old Town, ME. It was founded in 1968 and has approximately $75.87 millions in assets.

NCUA Insured Yes
Charter Number # # 18507
Date Established 1968
Assets $75.87 million
Loans $57.70 million
Deposits $68.92 million
Capital $7.26 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, volunteer, have immediate family, own a business, or are an organization in Penobscot County, Maine.

Deposit Rates - May 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $10 - Learn More
Money Market
0.30% $2,500 $9,999 Learn More
Money Market
0.40% $10,000 $74,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.45% $500 - Learn More
6 Mo CD
0.65% $500 - Learn More
12 Mo CD
1.01% $500 - Learn More
18 Mo CD
1.16% $500 - Learn More
24 Mo CD
1.26% $500 - Learn More
36 Mo CD
1.46% $500 - Learn More
48 Mo CD
1.61% $500 - Learn More
60 Mo CD
1.76% $500 - Learn More
Variable IRA Rates APY MIN MAX
0.25% $1 - Learn MoreShow Less
Fixed IRA
1.01% $500 - Learn MoreShow Less

Loan Rates - May 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for PENOBSCOT COUNTY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Penobscot County branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Penobscot County Locations

Financial Details

Penobscot County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Penobscot County. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Penobscot County U.S. Average
10.10% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Penobscot County had $742,596 in non-current loans and $12,999 in owned assets. To cover these potential losses it had $7,261,589 in net worth and $220,916 in loans loss reserves. That gives it a Texas Ratio of 10.10%.

Net Worth
Penobscot County U.S. Average
9.84% 13.86%

Penobscot County FCU has a net worth of 9.84% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Penobscot County

Branches and Savings

What is Penobscot County?

A federal credit union, registered with the NCUA under certificate #18507.
Learn more about credit unions here.

Is Penobscot County FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Penobscot County?

Please see Field of Membership information above for information on who is eligible to join.

What are Penobscot County's share account and share certificate rates?

Penobscot County's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Penobscot County?

Penobscot County has total capital of $7.26 million. Full information on Penobscot County's financial position is located above.

Who owns Penobscot County?

Credit Unions are owned by their members.

Where are Penobscot County branches located?

See branch locations nearby.

Are Penobscot County ATMs Open 24/7?

Do Penobscot County ATMs accept cash deposits?

Can Penobscot County customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Penobscot County have a mobile app?

Does Penobscot County have mobile deposit?

Does Penobscot County have quick pay?

How can Penobscot County transfer money to other banks or credit unions?

Does Penobscot County report to credit bureaus?

Does Penobscot County use Chexsystems?

Does Penobscot County use Equifax?

What is Penobscot County's toll free phone number?

What is Penobscot County's ACH Routing Number?

What is Penobscot County's SWIFT code?

Where can I find Penobscot County's wire transfer form?

What is the Penobscot County address for deposits?

What Products Does Penobscot County Offer

Does Penobscot County offer mortgages?

Compare mortgage rates here.

Does Penobscot County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Penobscot County offer auto and RV loans?

Compare auto loan rates here.

Does Penobscot County offer student loans or personal loans?

Compare personal loan rates here.

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