Local Credit Union that caters to the local community. If you live, work, worship, attend school, volunteer, have immediate family, own a business or are an organization in Penobscot County, you are likely eligible for membership. They offer the same products and services as the larger banks, but with less and lower fees and a more personal, family-oriented environment.

Motto: “Your link to Financial Services; To build lifelong financial relationships, one member at a time.”

Founded: January 2, 1968

Why They’re Unique: PCFCU has been serving the community for 45 years. They pride themselves on being competitive with other Financial Institutions when it comes to products offered and you will typically find better than average savings accounts rates. Unlike the larger financial institutions they are able to tailor services to fit your lifestyle.

They Can Answer Questions Relating to: How can I lower my monthly loan (auto, mortgage, credit card, etc) payment?; What is the best way for me to invest my money?; How can Penobscot County FCU help me if I have poor/no credit history?

Meet The Expert

Mark Trapela, Mortgage Loan Officer: Mark accepted a newly designed job position at the Credit Union in 2005, as the mortgage loan officer.  No question is too big or small for Mark, as he takes his job very seriously and is willing to do whatever it takes to make you feel comfortable during the home buying process. If you’re not in the market for a mortgage, Mark is also available to assist with consumer loans, credit cards, and any of your personal account needs. Mark graduated from the University of Maine in 1999 with a major in finance and a minor in economics. 

Don Smith, Commercial Loan Officer: With over 20 year of commercial and mortgage lending, Don was hired at Penobscot County Federal Credit Union in 2007 to develop a new commercial lending department. Since his hire, he has assisted many area businesses grow and succeed. In addition to commercial lending, Don is available to speak with businesses about our no-fee checking accounts, our work4perksSM program offering employees of participating businesses preferred rates, and even your personal banking needs. Don is a graduate of the University of Maine and the New England School of Banking. He currently resides in Milford with his wife Kelly.

Missi Workman-Nadeau, V.P Member Services: Missi has been employed with the Credit Union since 1999. Along with her V.P. title, she is also the Old Town branch manager; she can assist you with all of your savings questions. If you are having trouble determining the best avenue for investing your funds, be sure to stop in or call Missi, and she will be able to point you in the right direction. Penobscot County Federal Credit Union offers highly competitive savings options, paying out some of the highest rates in the area. Missi specializes in Share Certificates, IRA’s, and Money Market accounts. Missi currently resides in Lincoln with her daughter, Malloree, her Fiancé, Ricky, and his children, Hayden and Ardyn



Don’t take our word on how great we are; here’s what some of our members have to say:

“I have been a member of PCFCU for over 20 years and have always had great service, it is an excellent place to do business!” -Mark L.

“I used to hate dealing with the large banks when it came to loans.  PCFCU makes it easy and makes you feel like they are on your side – they are helpful and always a joy to work with.” -Donna D.

“I personally would not go to another financial institution.  Mark Trapela [mortgage loan officer] makes us feel like family.  You always feel welcome and no question is too big; Mark is always there and always finds a way to help.” -Carol M.

“My family and I have been with PCFCU for over 15 years and would never consider any other financial institution for our banking needs.  The member service and the loan department are second to none.” -William M.

“The member service at PCFCU is excellent; they are always very quick to take care of me!” –Audrey W. 

“The loan department is very spot on; I have never had to wait on anything that I have wanted to purchase.  They are upfront with anything that has to do with a loan.  I would never go anywhere else!” –Mary S.

“I have been a member of the Credit Union for over 30 years.  Everyone has always been very helpful and polite; PCFCU is the place to go!” –Deborah L.

“I have been a member of PCFCU ever since they started in a one room shack across from the mill.  I enjoy their knowledgeable staff and the down to earth atmosphere.  I have always been greeted with a smile and by my first name. They are also very courteous and go out of their way to assist me with any questions or concerns that I may have.  I have all my accounts with the Credit Union and would never consider going elsewhere. Thank you, PCFCU!” -Ed H.

“I have been with PCFCU for as long as I can remember.  I have always been pleased with the service that I have received.  Recently I had the opportunity to work with Mark Trapela on a personal financial matter; I found Mark and all the staff to be respectful and considerate of all my questions and concerns, answering all questions in a correct and timely manner.”  -Kathy S.

Perform an annual credit check-up
Many people don’t realize the importance of checking their credit on an annual basis.  Not only is it a smart way to maintain your financial health, but it also helps to avoid financial and identity fraud.  Penobscot County Federal Credit Union performs free Credit Check-Up Clinics periodically throughout the year.  Compare an annul credit check-up to that of a yearly physical; it makes sense and you’ll feel better knowing your financial healthy!

Keep to a personal budget
You may think that budgeting is boring, too time consuming, or just plain unnecessary.  However, the truth is, the debt you could incur by not budgeting would be more of a disappointment.  In order to get a handle on your finances, you must figure out your income vs. your expenses (how much you make vs. how much you spend) each month.  This will help you be more aware of the areas you need to cut back on to pay off your debts and contribute more to your savings.

Start building for their future now
Regardless of your child’s age it is never too early to start setting aside money for their future.  Not only will opening a youth account for your children or grandchildren set them up for their adult-life, it will also help them understand the concept of a dollar, how it works, and how to set goals.

Have A Question? Ask The Experts!