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Membership Information

Who Can Become a DECU Member?

Membership at Down East Credit Union is open to those who live, work, worship or attend school in the following Maine counties: Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox counties, as well as the towns of Brunswick and Harpswell in Cumberland County. Membership is also available to immediate family members of existing members, those living in the same household and organizations of such persons who all live within the field of membership.

The first step to becoming a member is to open a share savings account with a minimum deposit of $5.00. To become a member, please do the following:

1. Review our Membership Agreement & Disclosures.
2. Mail, fax, or deliver to any of our branch offices a Membership Account Application along with a minimum deposit of $5.00.

Read our Policies and Disclosures »

Membership Benefits

Once a member, you are an owner of Down East Credit Union. The Credit Union is a financial cooperative owned by the members. That means we put any profits we make back into the credit union in the form of new branches and increased services. The credit union is governed by a volunteer Board of Directors elected by the membership. Every member in good standing, of voting age, has one vote. Every year we hold our annual meeting in the Spring where the board reports on the status of the credit union and members vote on the members nominated to serve on the board.

Members also enjoy:

• No Service Fee Basic Checking Account
• Same day Loan service, in most cases
• Competitive Savings and Loan Rates
• Convenient hours at 8 branches
• Our Drive Up windows are open on Saturdays 9:00 until Noon
• Enjoy Surcharge-Free Access at 28,000 CO-OP Network ATMs
• Member of Shared Branching network with over 120 locations statewide and 6300 nationwide

Account Types Available

Down East Credit Union welcomes all family members. We have accounts for everyone.

Our youngest members enjoy learning the valuable lesson of saving with our Monty Moose Youth Savers Program. Members ages 2 through 12 earn Moose Bucks, with each deposit they make, which they can spend on fun things at Monty's Trading Post located at each branch. Monthly t-shirt give-aways and special events make this a fun and educational program for our youngest members.

For our members ages 13 to 18 we offer the Cash Control Program, helping them learn the basics of managing their finances before they leave home. Cash Control members can learn to use an ATM or Debit Card and with a parent, can open a checking account. Members in this age group can also learn how to begin building credit. And for some fun, every time a Cash Control member makes a deposit over $10, their name is entered into our quarterly $50 Cash Control drawing.

Other Services Provided

• Night deposit
• Direct deposit
• Safe deposit box - Baileyville only
• Traveler's checks and money orders
• U. S. savings bonds - sold and redeemed
• Wire transfer service
• Photo copy and fax
• Individual Retirement Accounts
• Notary service
• Signature guarantee service

Home Banking Accounts

If you have access to the Internet, a Home Banking Account will allow you to view your account balances and transaction histories, and to make transfers to or from your accounts online.

For complete details, or to apply for a Home Banking Account, please see our Home Banking Application & Disclosure.