Town & Country Federal Credit Union

Most reviews of banks/​credit unions appear focused on the in-​bank experience. For me, they’re all pretty similar. And quite honestly, I haven’t been in Town and Country for over a year. It’s such a fantastic credit union that for many people you won’t even need to.
I switched over from TD Bank after they implemented a monthly fee for checking accounts and it was the best move I ever made. Here’s what makes Town and Country so great:
–You get 3.01% interest (up to a 10k account balance, then it’s 0.5%) on your checking account, if you meet 3 criteria. These are having 12 payments with your debit card per month, have at least 1 direct deposit a month, and subscribe to electronic bank statements (instead of by mail). These are easy for many people to meet. I just charge my morning coffee.
–Again, you get a sure 3.01% interest. Who else guarantees you this? Definitely not the stock market. It’s literally free money.
–ATM fees, from anywhere, are refunded up to $ 25 per month total. Most other credit union ATM fees are refunded and don’t count towards this maximum.
–It’s free checking.
–There’s no minimum balance.
–There is online checking, where you scan deposits with your phone. This can be slightly sensitive but takes me less than 5 minutes per check at most. So much easier than going to a bank.
–The website is intuitive and easy to navigate, with many tools to analyze your spending and finances. The app is also nearly perfect.
I did a lot of research before switching to this credit union and after being with them for 3 years, I strongly feel it’s the best one in Maine. If you know of any better please message me!

In my quest to transition from a big bank full of fees and ridiculous policies to a simple credit union, I chose this one. Conveniently located right down the street from my relatively new residence, it seemed like a good choice. Not only because of the location, but because 1) The place feels super clean and professional inside, 2) EVERY time I go in, the staff is friendly, welcoming, and greets me with a smile and great attitude, and 3) As far as I can tell, I am able to have a simple savings account without any monthly fees or ridiculous requirements that other Banks in America enforce.
I look forward to using this credit union regularly and would recommend it to anyone in the area. My heart will be so much happier when I am fully transitioned to using only this place to keep my money safe. Thanks for winning me over and making the decision easy!

I have been a member of the same bank for nearly twenty years. When I moved to Portland I knew for certain that, while I was okay changing some aspects of my day-​to-​day life, where I did my banking was not one of those things. Banking is a personal experience, and when you have a credit union that treats its members like gold (like I do) — you never LEAVE that.
But, I knew I’d need to find somewhere local I could go to in a bind. After doing a quick search, I found a list of banks in the area that were part of the shared branching network. It was interesting to see which banks offered which services (because they don’t all do the same things), and in the end I tried Town & Country.
Boy, am I glad I did.
The folks who work at Town & Country always seem to be in great moods. They’re personable, friendly, focused on just me when we’re interacting, and genuinely seem to want to help their customers. The first time I went, I felt like a bumbling idiot because I had never done the whole «shared branching» thing before. They patiently walked me through the whole process (which is so painless!), making me feel like I was still the authority when it came to my finances (and kudos to them for that! I hate when banks make me feel like they have a right to be in control of my money). Also, I SOOOOOO appreciate that part of their services include taking deposits and cashing checks — I know not all members of shared branching do that! Now, whenever I stop in, they’ve taken care of me within minutes, smiled the entire time, and helped me feel as if I belonged there and not like I’m some impeding member of another credit union.
I can’t speak to any of their other services, but if you’re looking for a place to do shared branching (if you’re passing through Portland, you’ve just moved here, or are visiting from a different state and have a financial emergency), I highly recommend Town & Country on Forest Ave. They’re going to take care of you, and isn’t that what we want from a bank?!