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Terms and Conditions

University Credit Union is a co-op owned by you and by your fellow members, and it is operated in your common interest. UCU is not-for-profit and exists only to serve our members. As a UCU member, you own, operate and control UCU through your Board of Directors. You are entitled to elect and be elected to the volunteer Board of Directors. The Board is composed of your fellow members, and it manages UCU based on the needs and wishes of the members they represent. The Board of Directors sets dividend rates, loan interest rates and fees, among other things, and the Board also determines credit union policy as set forth in this Agreement. UCU reserves the right to change any and all terms and conditions of any of these policies. In addition, UCU works cooperatively with other credit unions in Maine and the Maine Credit Union League, pooling resources for research and development of cost-effective services which benefit not only you and your fellow members, but all credit union members in Maine.

For a copy of the Membership Agreement & Disclosures, click here.

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All products and services available on this website are available at all UCU full-service locations.


Holiday closure: Branches will be closed on Monday, May 25th, in observance of Memorial Day.

UCU is here for you. We continue to offer drive-up and electronic services to assist our members. Our lobbies remain temporarily closed.

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