Last Updated: 04/18/2025
Lincoln Maine FCU Club Accounts
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Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.10% - 0.15%(Verified 07/10/2024)
Minimum Opening Deposit
$5
Minimum Balance to Earn APY
$25
Lincoln Maine FCU Club Accounts Review
Lincoln Maine FCU Club Accounts is offered by Lincoln Maine Federal Credit Union, a credit union founded in 1960 and based in Lincoln, ME. Lincoln Maine FCU Club Accounts are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Low interest rate. The maximum annual percentage yield for this account is only 0.15%.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Small minimum initial deposit. You only need $5.00 to open an account.
Lincoln Maine FCU Club Accounts Pros & Cons
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Lincoln Maine FCU Club Accounts FAQ
Are savings accounts from Lincoln Maine Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Lincoln Maine Federal Credit Union offer a signup bonus?
Lincoln Maine FCU Club Accounts doesn't offer a signup bonus.
What is the minimum initial deposit for Lincoln Maine FCU Club Accounts?
The minimum deposit to open a Lincoln Maine FCU Club Accounts is $5.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Lincoln Maine FCU Club Accounts offer?
Lincoln Maine FCU Club Accounts offers a variable APY starting at 0.10% and ranging up to 0.15% (APY stands for annual percentage yield, rates may change).
What fees does Lincoln Maine FCU Club Accounts charge?
Lincoln Maine FCU Club Accounts does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $20.00 fee.
- Outgoing international bank transfers come with a $40.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- An overdraft on your account will trigger a $25.00 fee per item.
- Lincoln Maine FCU Club Accounts charges $5.00 every time you request a paper statement.
Does Lincoln Maine FCU Club Accounts charge overdraft fees?
Yes, Lincoln Maine FCU Club Accounts charges a $25.00 overdraft fee. Lincoln Maine FCU Club Accounts offers overdraft protection at a cost of $3.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does Lincoln Maine FCU Club Accounts offer?
This savings account includes the following features:
- Mobile Banking Services - Lincoln Maine FCU Club Accounts allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Lincoln Maine FCU Club Accounts?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Lincoln Maine FCU Club Accounts?
The customer support email for Lincoln Maine FCU Club Accounts is lmfcu@lincolnmainefcu.com.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:00PM
Tuesday
8:30AM - 4:00PM
Wednesday
8:30AM - 4:00PM
Thursday
8:30AM - 4:00PM
Friday
8:00AM - 5:00PM
Saturday
9:00AM - 12:00PM