Business Details
Your Trusted Credit Union in Southern Maine
As a member-owned, not-for-profit financial cooperative, we prioritize our members' financial well-being and long-term success. Founded on principles of community empowerment and local investment, we deliver personalized banking solutions tailored to Southern Maine residents' unique needs. Our team combines decades of financial expertise with cutting-edge technology to offer competitive loan products, robust savings options, and comprehensive digital banking tools.We maintain rigorous compliance with industry standards while fostering transparent relationships that emphasize ethical practices and financial education. Through our 'Local Helping Local' philosophy, we actively support community development initiatives and maintain a strong regional presence through 165+ surcharge-free ATMs and a vast shared branching network.
Services
Personal Loans
Mortgage Center
Auto Loans
Online Banking
Business Banking
Debit Cards
Savings Accounts
Loan Services
Mobile Banking
Shared Branching
Highlights and features
- We are a member-owned, not-for-profit financial cooperative prioritizing your interests
- We offer state-of-the-art digital banking with one of the highest-rated mobile apps
- We maintain 165+ surcharge-free ATMs and access to 6,000 shared branches nationwide
- Our local decision-making ensures personalized service tailored to Maine residents
- We combine financial expertise with community-focused values established over decades
Services
Personal Loans
Our personal loan products provide flexible financing solutions for various life needs. Members can access funds for debt consolidation, major purchases, or unexpected expenses with competitive interest rates. Our loan specialists work closely with applicants to determine appropriate loan terms and amounts that align with their financial capabilities.
Online Banking
Our comprehensive digital banking platform enables 24/7 account management through secure web and mobile interfaces. Features include real-time balance tracking, bill payment, mobile check deposit, and personalized financial alerts. The system integrates seamlessly with budgeting tools to help members maintain financial control from any location.
Mortgage Center
We offer a range of mortgage solutions for home purchase or refinance needs. Our lending experts guide members through the process from pre-approval to closing, providing competitive rates and personalized advice. The program includes conventional loans, FHA options, and specialized products for first-time homebuyers.
Business Banking
Our business banking division provides tailored financial solutions for local enterprises. Services include commercial loans, business checking accounts, merchant services, and cash management tools. Dedicated relationship managers work with business owners to develop growth strategies and financial management systems that support long-term success.
Shared Branching
Through our participation in national shared branching networks, members gain access to thousands of service locations nationwide. This service allows account holders to conduct transactions at partner credit unions as if visiting a home branch, providing convenience for travelers and remote workers.
People
David Libby
President & CEO
David leads our strategic direction with extensive financial industry experience, focusing on member service excellence and community development initiatives.
Pamela Kane
Vice President & CAO
Pamela oversees accounting operations with deep expertise in financial compliance and credit union governance structures.
Jane Torres
Chairman
Jane provides board leadership with a commitment to maintaining our cooperative principles and member-focused financial services.
Joshua Fifield
Vice Chairman
Joshua contributes strategic oversight through active participation in board committees and policy development.
Paul Chamberlain
Treasurer
Paul manages financial stewardship responsibilities with emphasis on maintaining fiscal health and long-term stability.
Questions
What membership requirements must I meet to join Town & Country Federal Credit Union?
You can join if you live, work, or worship in Cumberland or York County, Maine, or are related to an existing member.
What digital banking features are available through your mobile app?
Our app offers mobile check deposit, bill payment, account alerts, real-time balance tracking, and secure messaging with financial specialists.
How does your overdraft protection service work?
We offer standard overdraft practices covering checks and automatic payments, with optional protection for ATM and debit card transactions for qualified members.
What loan products do you specialize in for personal banking?
We provide auto loans, mortgages, personal installment loans, home equity loans, and specialized financing for recreational vehicles and pets.
Can I access my accounts outside regular business hours?
Yes, our online banking platform provides 24/7 account access for transactions, bill payments, and financial management tools.
What community initiatives do you support through your operations?
We actively support local development through our Better Neighbor Fund, financial literacy programs, and partnerships with Maine-based organizations.
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