Interest Rates

Look at any big-bank savings account, and you’ll see savings rates at an all-time low.
You don’t have to settle for lower interest rates – just look to our credit union.


Credit union loans are among the most competitive loans available.


Opening a savings account at Eastmill Federal Credit Union isn’t just about the money.
You’ll be joining as a member/owner, and your money will be invested back into your local community.

Welcome to Eastmill Federal Credit Union


Equifax - What you need to know
Eastmill Federal Credit Union wants to help our members navigate the Equifax breach. Though this breach was not related in any way to your credit union, our commitment is to helping our members.  We’ve compiled a summary for our members, as well as links and resources to help our members learn more, and take action to protect their identity and information.


Eastmill Federal CU would like to help keep our members informed of any scams we see happening.
Currently, we are experiencing a problem associated with Facebook ADs and Internet ADs. You, as a consumer, can click on any AD and the AD may say, "Free Trial Offer", you just pay shipping & handling of $4.95.
You may decide to take advantage of this "fantastic" deal for a free trial product.
What you are not seeing is the FINE PRINT within the company's Terms & Conditions when accepting this "Free Trial Offer".
The fine print states that if you DO NOT cancel this "free trial offer" within 14 days, the company will begin to charge your account, on a monthly basis, for continued delivery of this product; anywhere between $80.00 to $100.00, per item, per month.
Due to the Terms & Conditions of this transaction, the member is responsible for this action. The credit union has NO chargeback rights to help you get your monies back. The member will be out ALL monies withdrawn from the account.
Please be careful of this type of shopping. If you are truly interested in products you see through Facebook Ads or Internet Ads,
for your own financial safety, please research the validity of the product and their website before ordering.
If the sale is authentic, we believe you should be safest doing business through their website where you should also be looking for readable Terms & Conditions.
Please remember, nothing is for free.

Visa® Debit Card Inactivity:
Visa® Check Cards that are inactive for
a period of one (1) year will not be
renewed at the time of reissue.

Effective February 23, 2015

Due to upcoming changes with PIN CHANGES for our VISA DEBIT CARDS, it is VITAL for EMFCU to have up-to-date telephone numbers.
If we do not have your current telephone number on file, you will not be able to activate your VISA DEBIT CARD from your telephone/cellular phone.
Please call or stop in to review your personal information with your friendly tellers.
We want to make your financial experience, with us, as easy as possible.
Thank you for your cooperation.

ATTENTION:  The success of fraud prevention depends on the cardholder verification process. It is critical that we maintain up-to-date cardholder telephone numbers. We encourage you to please confirm home and cellular telephone numbers with us. Thank you for your cooperation in helping us safeguard our personal and financial worlds.


Home Equity Loans
Vehicle Loans

*Annual Percentage Rate. All loan rates are subject to
change without notice. Conditions or restrictions may apply.

"Eastmill Federal Credit Union is a non-profit, member owned financial organization
providing education and financial services in a personalized, convenient, friendly, and
professional manner, while maintaining financial stability."

Eastmill Federal Credit Union has come a long way since its first organizational meeting on May 13, 1954. Credit Unions are unique in the financial world as not-for-profit institutions. Members own and direct the credit union. These members are dedicated to the credit union motto, “Not for charity, not for profit, but for service.”

Eastmill Federal Credit Union has two convenient locations. The Main Office is located in East Millinocket. The Branch Office is in Patten. Credit Unions are chartered by groups of people having a common bond. The field of membership for Eastmill Federal Credit Union includes those who reside, work, worship or attend school in Penobscot County and Central and Southern Aroostook County.


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