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York County Credit Union

Overview
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York County Credit Union is a federal credit union based in Sanford, Maine. It has been opened since 1954, for 66 years.

With around $324,260,000 in assets, York County Credit Union is considered to be a very large credit union. It has 5 branches and 7 ATM locations.

About
Address 1516 Main Street
Sanford, Maine 04073
Website http://www.yorkcountyfcu.com
Phone (207) 324-7511
CEO Scott B. Chretien
President of the Board Larry Littlefield
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
25,175 members
Membership type: Community credit union
Above average number of members
256:1
Credit union member to staff ratio
256 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$324,263,839
Total assets
Above average
5 branches
Compared with an average of 4 nationally and 4 in Maine
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
2.49%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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5 branches
Compared with an average of 4 nationally and 4 in Maine
Above average number of branches
York County Credit Union Branch Locations

York County Credit Union: Saco-477 Main Street
477 Main Street
Saco, Maine 04072
ATM Available
York County Credit Union: Saco-110 Main Street
110 Main Street Suite 1515
Saco, Maine 04072
No ATM
York County Credit Union: Biddeford
75 Boulder Way
Biddeford, Maine 04005
ATM Available
York County Credit Union: York
387 US Route 1
York, Maine 03909
ATM Available
York County Credit Union: South Sanford
1516 Main Street
Sanford, Maine 04073
ATM Available
York County Credit Union: Sanford
870 Main Street
Sanford, Maine 04073
ATM Available
Members
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25,175 members
Membership type: Community credit union
Above average number of members

With 25,175 members, the York County Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 84% of credit unions.

Fees
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$185
Average fee per member
The average fee per member at the York County Credit Union is $185, which is very high compared to most credit unions. This rate is higher than 98% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the York County Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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256:1
Credit union member to staff ratio
256 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
98 staff members
FTE (full-time equivalent)
1% of employees are part-time
98 full-time, 1 part-time

York County Credit Union has 98 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 99% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. York County Credit Union has around 256 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$324,263,839
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$14,507
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 78% of credit unions.

York County Credit Union holds a total of $282,260,000 in loans and leases, which is about $14,507 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. York County Credit Union pays 0.10%.

Loan rates
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2.49%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
17.95%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.99%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.24%
New car loan rate
Compared to 4.0% nationally
3.24%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.62%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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Location
Augusta, Maine
Members
29,402
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
9.90%
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Assets
Net Worth Classification
Well Capitalized
Average Fee
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Location
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Members
21,422
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
13.90%
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Location
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Members
5,578
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
7.90%
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Location
Lewiston, Maine
Members
10,311
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
13.90%
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Location
Lewiston, Maine
Members
6,931
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
9.90%
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