Business Details
50+ Years
experience
Your Trusted Partner for Personal and Business Banking Solutions
Maine Highlands Federal Credit Union is a member-owned cooperative dedicated to providing personalized financial services while maintaining financial stability and integrity. Established in 1966 as Dexter Shoe Federal Credit Union, we rebranded in 2005 to better reflect our expanded service area across Piscataquis, Penobscot, and Somerset counties. Our deep-rooted commitment to community development drives our support for local causes and organizations. We offer a comprehensive range of banking solutions, including savings and checking accounts, loans, credit cards, and insurance products. Our team prioritizes member satisfaction through innovative digital tools like mobile banking and automated fraud alerts.With six branch locations and shared branching services, we ensure convenient access to financial resources. Our NCUA-insured accounts and adherence to strict financial standards underscore our dedication to trustworthiness. We actively engage in financial education initiatives and community service programs to empower our members. Our experienced staff combines local market knowledge with industry expertise to deliver tailored financial strategies. Through continuous modernization of services and infrastructure, we remain a reliable partner for personal and business banking needs.
Services
Savings Accounts
Checking Accounts
Personal Loans
Mortgage Loans
Credit Cards
Insurance Services
Digital Banking
Business Banking
ATM Access
Shared Branching
Details
- Year established: 1966
Highlights and features
- We operate as a member-owned cooperative prioritizing your financial success
- Our community-focused approach supports local development and charitable initiatives
- We offer comprehensive banking services including digital tools and shared branching
- All accounts are protected by NCUA insurance and ESI coverage
- Six convenient branch locations with extended service hours across central Maine
Associations and certifications
- NCUA
- ESI Insurance
Services
Savings Accounts
Our Share (Savings) Accounts provide secure, interest-bearing options for building financial stability. Members earn dividends while maintaining liquidity for unexpected expenses. Minimum $5 deposit opens account with no monthly fees.
Checking Accounts
Share Draft (Checking) Accounts offer convenient transaction capabilities with overdraft protection options. Features include free bill pay, mobile check deposit, and VISA debit card integration for everyday spending needs.
Personal Loans
Flexible consumer loan programs available for vehicle purchases, home improvements, or debt consolidation. Competitive rates with terms tailored to individual credit profiles and financial goals.
Mortgage Loans
Real Estate Loan programs support home purchases, refinancing, and construction projects. Fixed and adjustable rate options with personalized guidance from experienced mortgage specialists.
Digital Banking
24/7 digital access includes account management, bill payment, mobile check deposit, and fraud alerts. Secure platform with multi-factor authentication protects member financial information and transactions.
Questions
How do I become a member?
Visit any branch location or apply online. Membership requires living or working in Piscataquis, Penobscot, or Somerset counties with a $5 minimum deposit.
What loan types are available?
We offer personal loans, mortgages, auto loans, home equity lines, and business financing options with competitive rates and flexible terms.
Is my money insured?
All accounts receive NCUA insurance up to $250,000 plus additional protection through ESI Insurance coverage.
Do you offer online banking services?
Yes, our digital banking platform provides 24/7 access to account management, bill payment, mobile check deposit, and security alerts.
What are your branch hours?
Monday 7:30-5, Tuesday-Wednesday 9-4, Thursday 8-5, Friday 7:30-5. Closed weekends and federal holidays.
Can I use ATMs outside Maine?
Access 30,000+ surcharge-free ATMs nationwide through our partnership with CO-OP Shared Branching network locations.
Videos
Reviews (1)
Hope A. Keene
May 25, 2021
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We have always had great experience with mhcu...and Sam is our go to guy...and excellent...tries helping people when and if possible..he in process of helping my husband...great people at the bank..
