Orono, ME 04473


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 63133
Date Established 1967
Assets $296.65 million
Loans $238.58 million
Deposits $246.32 million
Capital $27.67 million

University is an NCUA insured institution located in Orono, ME. It was founded in 1967 and has approximately $296.65 millions in assets.

Who can join?

If you belong to one of the following groups, you are eligible to become a member of UCU.

University of Maine System
Alumni, Students and Employees

Penobscot County School Districts
Employees of the Boards of Education in Penobscot County

Town of Orono
Those who live or work in the town of Orono

Maine Maritime Academy
Alumni, Students and Employees

The Landing School
Alumni, Students and Employees

Northeast Technical Institute
Alumni, Students and Employees

Select Employee Groups
Print Mail of Maine
USA Union Street Athletics
General Electric Power Systems of Bangor

Family Membership
This includes spouse, parents, children, siblings, grandparents and grandchildren of eligible groups listed above including step and adoptive relationships. Also includes persons living in the same residence maintaining a single economic unit with a qualifying member.

Field of Membership Restrictions

Membership in University Credit Union is open to the following: (1) those who live in the town of Orono; (2) alumni, students and employees of the University of Maine System's Office and any of the University of Maine System School (3) student, employees or alumni of Maine Maritime Academy, The Landing School, Northeast Technical Institute, or Cosmotech.

Deposit Rates - January 20, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $1 $4,999 Learn MoreShow Less
Money Market
0.15% $5,000 - Learn MoreShow Less
Premium Money Market Account
0.15% $5,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.20% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
0.30% $500 - Learn MoreShow Less
Special: 15 Mo FIRA
1.51% $1,500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $500 - Learn MoreShow Less
12 Mo CD
0.30% $500 - Learn MoreShow Less
Special: 15 Mo CD
1.51% $1,500 - Learn MoreShow Less
18 Mo CD
0.40% $500 - Learn MoreShow Less
24 Mo CD
0.55% $500 - Learn MoreShow Less
36 Mo CD
0.75% $500 - Learn MoreShow Less
48 Mo CD
0.90% $500 - Learn MoreShow Less
60 Mo CD
1.20% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $1 $4,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $10,000 - Learn MoreShow Less

Loan Rates - January 20, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for UNIVERSITY

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Vantage Mortgage Group, Inc.
NMLS ID: 35986
License#: 35986
4.532% 4.500% 0.00 $993 $1,267 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.276% 4.250% 0.25 $775 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender Rate (%) Monthly Payment Learn More

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


Below are University 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:

University Locations

Financial Details

University Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of University. 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
University U.S. Average
8.40% 5.78

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 June 30, 2018, University had $2,303,527 in non-current loans and $113,972 in owned assets. To cover these potential losses it had $27,666,458 in net worth and $1,129,924 in loans loss reserves. That gives it a Texas Ratio of 8.40%.

Net Worth
University U.S. Average
9.32% 13.21%

University FCU has a net worth of 9.32% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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