Down East Credit Union

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: Hancock, Kennebec, Knox, Lincoln, Penobscot, Sagadahoc, Waldo and  Washington, 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.
  3. Verification - DECU shall verify the identity of the applicant by requesting presentation of at least two forms of current identification (ID). The primary ID must have a photo with signature, physical description, date of birth, ID number and expiration date.
  4. Applications not submitted in person must be notarized and include the identification as stated in #3.

Read our Policies and Disclosures »

Account Types Available

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

If your child has a Birth Certificate & Social Security Number, and meets the credit union's membership qualifications, he or she can become a member of the credit union.  

Members between the ages 13 and 17 can learn the basics of managing their finances before they leave home. This age category can learn how to use an ATM or Debit Card so long as their parent or guardian is on the account. 

Other Services Provided

  • Night deposit
  • Direct deposit
  • Money orders
  • U. S. savings bonds - redeemed
  • Wire transfer service
  • Photocopy 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.


Down East Credit Union ~ 1-800-427-1223 ~

NCUA and Equal Housing Lender

Down East Credit Union is a Maine Credit Union Serving Washington, Waldo, Hancock, Penobscot, Lincoln,
Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County.
Branch offices are located in Baileyville, Machias, Belfast, Unity, Bangor, Calais, Richmond, and Topsham.

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