Become a Member

Becoming a member of Maine State Credit Union is easy. If you meet any of the criteria below, or are an immediate family member¹ of an existing Maine State Credit Union member, you are eligible for Membership.

Membership Eligibility

The following people are eligible to join Maine State CU:

Anyone who lives, works, worships, or attends school in Kennebec County or Somerset County
Maine State Employees
Employees of the Maine State Employees' Association
Cumberland County Employees
Maine Housing Authority Employees
Members of the Maine Association of Retirees
Employees of the Maine Technical College System
Maine State Retirement System Employees
Retirees of groups listed above, any individual who is receiving a Maine State retirement pension, and their immediate family* or household members².

All of our applications are conveniently provided on the right hand side of this page. Simply print the membership application, fill it out, and mail it to us at:

Maine State Credit Union
Member Services
P.O. Box 5659
Augusta, ME 04332-5659

Benefits of Membership

Maine State CU prides itself in offering outstanding service to its members. Whether you come in to one of our offices, use our drive thru, call us, or utilize our on-line services, we're dedicated to providing top-notch membership service 24 hours a day.

Services

Deposit Services

Share Accounts (Savings)
Share Certificates
Checking Accounts
Monty Moose Youth Savings Program
Individual Retirement Accounts (IRAs)
IRA Certificates
Roth IRAs
Roth IRA Certificates
Money Market Accounts
Christmas Club Accounts
Coverdell Education Savings Account
CU Succeed Teen Club

Loan Services

New and Used Auto Loans
Recreational Vehicle Loans
Indirect Lending (MSCU financing available at many auto dealerships)
Motorcycle Loans
Share Secured Loans
First Mortgage Loans
Home Equity Loans and Lines of Credit
Pre-Approved Loan Drafts
Overdraft Protection Loans

Delivery Services

VISA Debit Cards (Debit Cards)
ATM Cards
VISA Credit Cards (Gold and Traditional)
Touch-Tone-Teller (Audio-Response)
Wire Transfers
Loan-By-Phone
Online Advantage (Home Banking)

Insurance Programs

Life Savings Insurance
Loan Protection Insurance
Credit Disability Insurance
Accidental Death & Dismemberment Insurance
Credit Card Life & Disability Insurance

Other Services

Direct Deposit
Money Orders
Traveler's Checks
Shared Branching
TDD (Telecommunication Device for the Deaf)
Military Allotments
Night Deposit
Drive-up Services
Notary Public
24 hour ATM
Signature Guarantee

¹ Immediate Family Member - Spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings and adoptive relationships.
²Household Member - Persons living in the same residence maintaining a single economic unit.
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice. Certificate rates quoted are fixed for the term of the account. Certificates renew at the end of the quoted term with no grace period.