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Five County Credit Union

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Five County Credit Union Rates & Review March 2026

Q: How many branches does Five County Credit Union operate?

Five County Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Five County Credit Union?

Yes, to access services at Five County Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Five County Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

You can compare Five County Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.25%, 6-month share certificate rates at 1.10% and 3-month share certificate rates at 3.14%. Savings rates are at 0.30% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to Five County Credit Union rates. MonitorBankRates evaluates the financial stability of Five County Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.25%. Rates were last updated on 03/28/2026.

Five County Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Five County Credit Union? Share your experience about Five County Credit Union by leaving a review below, or read customer reviews before you decide to use Five County Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.25%

Excellent Higher than avg

Five County Credit Union
Ancorum Credit Union

765 Washington St
Bath, ME 04530

https://www.fivecounty.com

Current Rate Availability

We do not have Five County Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Five County Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Five County Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Five County Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Five County Credit Union

Website https://www.fivecounty.com

Address 765 Washington St, Bath, ME 04530

Phone 207-443-3528

Fax 207-443-8177

President Merlin Suggs

CEO Julie Marquis

Full-Time Employees 129

Part-Time Employees 2

Branch Locations 15

ATM Locations 14

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.25%

Return on Assets (ROA)

0.2216%

Return on Equity (ROE)

2.3728%

Non-Performing Loans Ratio (NPL)

1.56%

Total Assets

394,864,161

Total Amount of Shares and Deposits

349,870,798

Total Shares and Deposits < 1 Year

344,980,943

Total Shares and Deposits 1 3 Years

3,902,138

Total Shares and Deposits > 3 Years

987,718

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

14,092,012

Total Uninsured Shares and Deposits > $250K (F+J)

14,092,012

Total Insured Shares and Deposits > $250K (item 17 less item K)

335,778,786

Total Interest Expense (Sum of items 6 8)

2,841,426

Share Certificates

3,494

Number of Accounts for Share Drafts

26,211

IRA KEOGH Accounts

1,345

Number of Accounts for Regular Shares

41,075

All other shares

423

Money Market Shares

741

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,830,488

Total Liabilities

358,017,172

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Five County Credit Union yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About Five County Credit Union

Is Five County Credit Union a safe place to deposit money?

Yes, Five County Credit Union is considered a safe financial institution. With a Texas Ratio of 12.254815438533%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Five County Credit Union operate?

Five County Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Five County Credit Union?

Yes, to access services at Five County Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Five County Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Five County Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Five County Credit Union offer online and mobile banking?

Most modern institutions like Five County Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fivecounty.com.