Frequently Asked Questions

Where can I get a list for Shared Branching?

Visit the Shared Branching Website and then click the state you would like to search, or enter in the city and state on the left hand side.

What is my daily limit on my debit card?

There is a daily cash withdrawal limit of $1,000.00, and a daily point of sale limit of $3,000.00.

How can I access my account over the phone?

We offer Easy Reach; automated phone teller service. Once the application is completed and returned you'll have 24 hour account access to check balances, do transfers, make loan payments and more!

How can I find out my credit score?

Annualcreditreport.com is the only place where you can check your credit report from the three major credit bureaus free once a year.

What Holidays are you closed?

Holiday Closings:

Friday, January 1, 2016 New Year's Day
Monday, January 18, 2016 Martin Luther King Jr's Birthday
Monday, February 15, 2016 President's Day
Monday, May 30, 2016 Memorial Day
Monday, July 4, 2016 Independence Day
Monday, September 5, 2016 Labor Day
Monday, October 10, 2016 Columbus Day
Friday, November 11, 2016 Veteran's Day
Thursday, November 24, 2016 Thanksgiving Day
Monday, December 26, 2016 Christmas Day (Observed)


Christmas Eve: Close at 1:00 and New Year's Eve: Close at 3:00

What’s a Credit Union? 

A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. Maine Family Federal Credit Union is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit. 

Who owns a credit union? 

Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors. 

How did credit unions start? 

The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member. 

What is the purpose of a credit union? 

The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services. 

Are savings deposits insured? 

Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. 

Who can join a credit union? 

A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group. 

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Your savings federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

About Us

  • Address: 555 Sabattus St., Lewiston, ME 04240
  • Branch Locations
  • Phone: 207-783-2071
  • Routing #: 211287913

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