Penobscot County Federal Credit Union is a member-owned financial cooperative headquartered at 466 Main Street in Bangor, Maine. Established to serve the needs of local residents and community organizations, the credit union operates within the framework of cooperative banking, prioritizing member participation and democratic governance. Its organizational structure typically includes a board of directors elected by members and a management team responsible for daily operations, financial oversight, and strategic planning.
Historically, credit unions like Penobscot County FCU emerged to provide accessible financial services to individuals who might have limited access to traditional banking. The institution functions as a depository institution offering savings, checking, and lending products designed to support members’ financial goals. Its scope generally encompasses local deposit-taking, loan origination and administration, and financial services conducted in alignment with regulatory standards and credit union bylaws, emphasizing cooperative principles and community stewardship.
Better than 17% of providers in Bangor
In addition to the primary service, Penobscot County Federal Credit Union also offers:
Other providers in Bangor with similar ratings:
Penobscot County Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Penobscot County Federal Credit Union is listed as a financial service provider in Bangor, ME and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Penobscot County Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Penobscot County Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Penobscot County Federal Credit Union with other providers in Bangor and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Penobscot County Federal Credit Union has a rating of 3.9, which is better than 17% of providers in Bangor.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Penobscot County Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Penobscot County Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Penobscot County Federal Credit Union also offers: Credit union, ATM.