Small Step. Big Impact

9 Month Share Certificate | 3.95% APY*

Financial Wellness Starts Here.

These financial resources and tools keep you on the path to your life’s goals.

Protect your finances.

Financial fraud is an unfortunate reality today. Here’s how to keep your tomorrow safer.

Budgeting & Credit Scores

Learn how to set up a budget, take control of your finances and build your credit score.

Financial Education Blog

Pick up practical tips on credit, fraud prevention, student loans, retirement, and more.

Resource Center

Find resources and easy-to-use tools to help you make smart financial decisions every day.

Our Heart is in it.

We love our state, our people, our landscape, and the wealth of opportunities this great state gives us to serve.

Members First, Community Always.

We want to build a better Maine for all. Stronger communities create better opportunities for everyone.

Intentional Impact

We’re focused on improving our members’ lives, not just the bottom line. This is our driving force – delivered personally, digitally, and over the phone. Join us and belong.

Working Together

Maine State Credit Union cultivates a culture of service. Our employees, management team, and board of directors — we’re all dedicated to the financial wellbeing of our members. 

FOR WHEREVER YOU ARE IN LIFE.

Just starting out or ready to enjoy the life you’ve earned, we’ve got the products and services that make your next step easier.

Checkout Made Simple

Link your Maine State CU Visa® card to your mobile wallet for fast, secure payments.

Rates That Work for You

Check current rates on accounts and loans to plan your next smart move.

Pick Your Perks

Earn points on every dollar you spend with our Visa® Credit Card Rewards Platform. Redeem for travel, gift cards, or cash back.

Ready to become a member?

BANK SMARTER. SAFER. FASTER. FROM ANYWHERE.

Experience the freedom of banking on your terms, with tools designed to save you time and protect your money.

Manage your money, no matter where you are. Our mobile app lets you track everything from deposits and payments to your latest credit score.

Paying bills doesn’t have to be a chore. Maine State Credit Union’s free Bill Pay makes it quick and easy so you can focus on doing the things you really enjoy.

Deposit checks without ever stepping into a branch. Mobile deposit from your smartphone makes it happen.

Need a loan right now? Apply for a vehicle, personal, or credit card loan easily and safely through our mobile app.

Card Controls in Maine State CU’s mobile app let you turn your debit or credit card on and off, set travel alerts, or report your cards lost or stolen. 

Scan to download our mobile banking app for iOS or Android or use the links below.

Download our App Today!

apple store google store

More Happy Campers.

With over 35,000 members, Maine State Credit Union is recognized by Forbes as one the best credit unions in Maine. Here are more reasons why members love us.

  • Wendy B.
    “I have been doing all of my business with them since 1980. Every time I go, they are nothing but helpful.”
  • Tonya G.
    “Absolutely love MSCU! Loans, checking, savings… They make everything easy and seamless! Would definitely recommend!”
  • Taylor T.
    “I’ve been with this bank since I was eighteen. They made moving out of state easy by partnering with several credit unions in Texas and West Virginia, which made banking simple and convenient. Now that I’m back in Maine, I still receive great service over the phone and in person. I’m always greeted with a smile, and they always have a solution to my questions. Highly recommended for both new and long-term customers.”
  • Sierra S.
    “Gave me a chance on a vehicle loan when I recently went through a lot. Grateful for the bank!”
  • Sarah M.
    “I have always loved my Credit Union. The people who work here are amazing! I would recommend Jamiee as your online lending specialist — so quick, courteous, and an overall great experience.”
  • Rachel R.
    “Helpful, kind, and efficient! I needed assistance with the new app, which was handled immediately. I also received clear instructions on how to complete a new loan application through the app — which I prefer. I was contacted by the lending specialist the same day via email, and the application was reviewed within 24 hours. She even called to explain the next steps and the approval process. Jamiee was a pleasure to work with, as was the employee who helped me with the app. I’ve been a customer for years and have always had the best experiences. Couldn’t be happier!”
  • Kim C.
    “Always a pleasure to bank with these folks. Savings, checking, mortgage, auto, and more. Jamiee just helped me with a fast, easy, and painless auto refinance. An added bonus — they are all right here in Maine.”
  • Jeannine E.
    “We’ve been members for decades with checking and savings accounts, as well as many loans (car, home equity, and consolidation). We’ve always received top-notch customer service.”
  • Elisha G.
    “Very helpful tellers and very quick service.”
  • Charlene M.
    “I have never had a bad experience with this credit union and have been a member for well over 30 years.”
  • Anonymous
    “I have been a member for over 10 years and every interaction has been nothing but positive. Whether it is a quick question or a bigger loan request, they are always patient, friendly, and helpful. I would not bank anywhere else.”
  • Anonymous
    “Great place to bank. They’re super professional.”
  • Anonymous
    “MSCU made my home equity loan process so simple and stress free. The staff explained everything clearly and kept me updated every step of the way. I really appreciate their professionalism and kindness.”
  • Anonymous
    “Fantastic banking service — fast, easy, convenient, and accurate. The staff are super nice! I’ve been using this bank for 3 years now and couldn’t ask for better service.”
  • Anonymous
    “Banking on my phone with MSCU has been one of the easiest experiences I have had in years. The app is simple to use, everything works the way it should, and when I needed help getting started, the staff walked me through it without making it complicated. It is nice to have a credit union that makes mobile banking stress free.”
  • Anonymous
    “From the moment I walked in, I felt welcomed. They greet you like they know you, even if it is your first visit. Excellent customer service and you can tell they genuinely care about their members.”
  • Anonymous
    “I recently refinanced my car loan here and I was amazed at how smooth and quick the whole process was. Everyone I spoke with was polite and knowledgeable. They made what I thought would be complicated really easy.”
  • Aaron B.
    “Everyone I’ve dealt with has been very kind and professional. The building is very nice inside.”
  • Paul V.
    “People always say credit unions are better than banks but never explain why. I have accounts with three banks in town, but none of them have ever treated me like a friend. When I walked into this credit union, I felt like I belonged to a family. They treated me with professionalism and compassion.”
  • Ann F.
    “Great customer service! Would definitely recommend doing business with them.”
  • Amanda S.
    “I worked with Randi and Karin; they were both very helpful. I appreciated the great customer service!”
  • Cassidy D.
    “Fabulous people — very fast and friendly! My boyfriend speaks VERY highly of Maine State Credit Union, so much so that I decided to switch banks to MSCU. Thank you for all your hard work!”
  • Jill D.
    “I’ve been a member here for a few years. Great customer service and none of the fees you see with big banks. Love it!”
  • Kat G.
    “Big shout out to Randi! She was absolutely amazing and went above and beyond to help me transfer my Apple Cash into my account so I could access my funds. I had been trying for two days with no luck, but she solved it. She’s an absolute sweetheart — if I could give a 10-star review, I would!”
  • Mary S.
    “Excellent customer service every single time — whether I go in or use the drive-thru.”
  • Matthew H.
    “There are few companies that truly take the time to explain options and genuinely care about their clients like Maine State Credit Union. My business is 28 years old, and over the years I’ve needed small business loans or lines of credit. I’ve worked with banks and credit unions, but the easiest and most enjoyable experience was with Bruce Harrington at MSCU. He took the time to explain which product was right for me and cared about my business. I’ve had two business loans and one commercial line of credit through Bruce, and I couldn’t be happier. My business is flourishing because of it! Highly recommend them for businesses of any size.”

IT’S NICE TO BE RECOGNIZED.

Disclosure:

*APY=Annual Percentage Yield. The Annual Percentage Yield assumes interest will remain on deposit until maturity. Early withdrawal will reduce earnings. A penalty may be imposed for 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 a 10-day grace period.