Penobscot County Federal Credit Union

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A short history of Penobscot County FCU

Since its inception in 1968 the Penobscot County Federal Credit Union has been serving its members in the Old Town, Maine area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Steven Baillargeon, the Penobscot County FCU has grown its membership to over 10,281 with assets of more than $69,096,748. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (207) 827-3165 or email them at info@penobscotfcu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Old Town, ME.

General Information For Penobscot County FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 18507
Address PO Box 434 
City Old Town 
State Maine 
Zip-Code 04468
Phone Number (207) 827-3165
Fax Number (207) 827-6674
Email Address: info@penobscotfcu.com
CEO/President Steven Baillargeon
Members 10,281 
Full-Time Employees 23 
Part-Time Employees
Number of Branch Offices
Total Assets 69,096,748 
Website http://www.penobscotfcu.com 

Compare Penobscot County Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
University CU Memorial Union, U of M Campus, Orono 5748 Memorial Un 04469 (207) 889-8500 No 8.95
Eastern Maine Medical Center CU Stillwater Ave 849 Stillwater Ave 04401 (207) 945-3632 No 12.48
Bangor CU Venture Way 10 Venture Way 04401 (207) 947-0374 No 13.35
Changing Seasons CU Changing Seasons Federal Credit Union 115 Mecaw RD 04444 (207) 945-6264 No 16.80
Brewer CU 229 Dirigo Dr 229 Dirigo Dr 04412 (207) 989-7240 No 16.87

Penobscot County Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Penobscot County Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 13.90 4.50 5.75 3.85 3.85
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 493 341 416 115 84
Rank Among All Maine Credit Unions 22 31 38 8 4

Penobscot County Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.45 1.50 1.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 69 91 94
Rank Among All Maine Credit Unions N/A 11 4 5 7
Penobscot County Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 13.9008232,580,319
All Other Unsecured Loans/Lines of Credit 13.9004511,635,045
Short-Term, Small Amount Loans (STS) (Federal CU Only) 28.00000
Non-Federally Guaranteed Student Loans 6.110178332,510
New Vehicle Loans 4.5001352,567,688
Used Vehicle Loans 5.7501,96720,582,763
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.8501,78917,277,051
Total Other Real Estate Loans/Lines of Credit 3.850741,400,202
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 13.9001,05310,803,593
TOTAL LOANS & LEASES 6,47057,179,171

Penobscot County Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 1,54513,046,4812551,102,522
    b. 15 Years or less 1542,111,57326326,825
Balloon/Hybrid
    a. > 15 years 621,771,871937,131
    b. 15 Years or less 0000
Other Fixed Rate 25316,76800
Adjustable Rate 1 yr or less 330,35800
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 51733,18600
Closed-End Adjustable Rate 10148,0778395,349
Open-End Adjustable Rate 13518,93925,293
Open-End Fixed Rate 0000
TOTALS 1,86318,677,2533001,867,120

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 1117,8790
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Penobscot County Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes