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Become a Member

VIDEO: Maine State Credit Union, A Better Place for Your Money

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.


Deposit Services
  • Share Accounts (Savings)
  • Money Market Accounts 
  • Certificates (Shares and IRAs)
  • Monty Moose Youth Savings Program
  • CU Succeed Teen Program 
  • Individual Retirement Accounts (IRAs)
          -  Traditional
          -  Roth
          -  Coverdell Education Savings Account
  • Share Draft Accounts (Checking)
  • Advantage Checking
  • Free4Me Checking
  • Cash Back Checking 
  • Health Savings Accounts (HSAs)
  • Club Accounts
          -  Christmas
          -  All Purpose
  • Business Accounts
Loan Services
  • Collateral Loans
          -  New & Used Auto
          -  Recreational Vehicle Loans (Boat, ATV, Camper, Trailer, Jet Ski, Snowmobile, etc.)
          -  Motorcycles
  • First & Second Mortgages
  • Signature Loans (Personal Loans)
  • All Purpose Loans
  • Technology Loans
  • Share Secured Loans
  • Home Equity Loans
  • Overdraft Protection Loans
  • Revolving Credit
  • Fuel Loans
  • Business Purpose Loans
  • "Credit Counts" Loans
Delivery Services
  • VISA  Debit Cards (Debit Cards)
  • VISA  Credit Cards (Gold and Traditional)
  • CreataCard (Customized Credit Cards)
  • Touch-Tone-Teller (Audio-Response)
  • Wire Transfers
  • Online Advantage PLUS (Online Money Manager)
  • MSCU Mobile
  • Shared Branching
  • CUe-Statement (Online Statement)
  • Online Loan Applications
  • MyCU BillPay (Online Bill Paying Service)
  • eAlerts
Insurance Programs
  • Loan Protection Insurance
  • Credit Disability Insurance
  • Accidental Death & Dismemberment Insurance
  • Term Life Insurance

Other Services
  • Payroll Deduction
  • Direct Deposit (NEACH) 
  • Money Orders
  • Traveler's Checks (No Fee)
  • Shared Branching
  • TTY (Telecommunication Device for the Deaf or Hearing Impaired)
  • Military Allotments
  • Night Deposit
  • Drive-Thru Services
  • Notary Public
  • 24 hour ATM
  • Tellers Checks
  • Extra Awards (Credit Card Loyalty Program)
  • SURF Network (Surcharge Free ATM Network)
  • Loan Payment Origination

Member Financial Education
  • FoolProof

    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.

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200 Capitol Street, Augusta, ME 04330. Tel: 800-540-8707 or 207-623-1851
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