At a glance
From its website, read 2 Nov 2026Acadia Federal Credit Union is a credit union based in Fort Ken, Maine. Its website describes auto loans, home mortgages and personal loans. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.acadiafcu.org |
| Office (official list) | 9 East Main St., Fort Ken, ME 04743 |
What their website says about applying
You can apply for an auto loan online through our website or visit one of our branches to speak with a loan officer.
sourceYou will need to bring your last two years of tax returns and W-2’s and the last 30 days of pay stubs from your current employer.
sourceWe will ask for your last 30 days of pay stubs.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Term: see their wording | 60-month maximum term | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Yes, borrowers must be the primary holder on an Acadia FCU account.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 23 Mar 2023 |
| RSSD ID | 469081 |
| Address | 9 East Main St., Fort Ken, ME 04743 Directions (Google Maps) |
| Website | www.acadiafcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area or geographic eligibility is stated on the fetched pages. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Drive away with a great deal. Discover our competitive auto loan rates and find the perfect financing for your vehicle. | source |
| Home mortgages | — | Whether you’re buying a home, purchasing land, or finding that special camp, our local lending team can help you explore your options. | source |
| Personal / consumer loans | — | Whether you’re consolidating debt or preparing for a big purchase, a personal loan is a great solution. | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. You can apply for an auto loan online through our website or visit one of our branches to speak with a loan officer.
source
Pages read (7)
- https://www.acadiafcu.org/
- https://www.acadiafcu.org/loans/auto-loan/
- https://www.acadiafcu.org/loans/auto-loan/application/
- https://www.acadiafcu.org/loans/home-land-loan/
- https://www.acadiafcu.org/loans/home-land-loan/application/
- https://www.acadiafcu.org/loans/personal-loans/
- https://www.acadiafcu.org/services/card-controls/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$925,000 in 2 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as ACADIA (charter 15619). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $412.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 18,676 (as of 30 Jun 2026) |
| Offices | 9 (as of 30 Jun 2026) |
Offices by state and county (9)
Maine (9 offices)
- Aroostook County (6): 9 E Main St, Fort Kent 04743 (main office); 131 Main St, Ashland 04732; 90 Main St, Madawaska 04756; 725 Main St, Presque Isle 04769; 315 Main St, Saint Agatha 04772; 907 Main St, Saint Francis 04774
- Penobscot County (3): 417 State St Ste 140, Bangor 04401; 713 Broadway, Bangor 04401; 618 Wilson St, Brewer 04412
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Acadia Federal Credit Union (NCUA charter 15619, filed as “ACADIA”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $351 million, 11,521 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 9.0% from $322 million on 30 Jun 2025 |
| Members | 18,676 (as of 30 Jun 2026); 17,864 (as of 30 Jun 2025) |
| Loans per member | $18,797 (total loans divided by members, 30 Jun 2026) |
| Total assets | $412.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $20 million | 5.7% |
| Used vehicle loans | $54.5 million | 15.5% |
| First-lien home mortgages (1-4 family) | $148 million | 42.2% |
| Other real estate loans (junior liens, other) | $17.7 million | 5.0% |
| Commercial (business) loans | $76.9 million | 21.9% |
| Credit cards | $4.3 million | 1.2% |
| Other unsecured loans | $4.5 million | 1.3% |
| Leases and other secured loans | $25.1 million | 7.2% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Acadia Federal Credit Union reported 231 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $30M (median loan about $95,000). 69 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 69 | 30% |
| Refinance (incl. 23 cash-out) | 40 | 17% |
| Home improvement | 69 | 30% |
| Other purpose | 52 | 23% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 231 | 100% |
Included above: 45 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 10 counties with at least one; 99% of its 2025 loans were for properties in Maine:
- Aroostook County, ME (92)
- Penobscot County, ME (90)
- Hancock County, ME (22)
- Washington County, ME (4)
- Piscataquis County, ME (3)
- Somerset County, ME (3)
Filed under LEI 254900KPCI98XVKU8U39 as “Acadia Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $100,000 (10 loans) | All 7(a) lenders in Maine: $100,000. Larger than the median loan of 15% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Total assets (Call Report, 30 Jun 2026) | $412.8 million | Larger than 69% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 85% | Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $322 million → $351 million (+9%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 80 → 79. |
| Home loans originated in 2025 (HMDA) | 231 | More than 70% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 15% |
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 69% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 80 → 79 of 283 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 70% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 10 SBA-backed approvals for Acadia Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 10 7(a) loans as the lender: $1.4M in total (gross amount approved), median $100,000
By fiscal year: FY2020 2 · FY2021 5 · FY2022 3 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
What actually happened
- Size of its 7(a) loans: half were between $63,025 and $199,250, median $100,000 (10 loans)
- Term of its 7(a) loans: median 62 months (5 years) (10 loans)
- Fixed or variable: 80% of its 7(a) loans had a fixed rate (10 loans)
- Young businesses: 50% of its 7(a) loans went to a startup or a business two years old or less (10 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) SBA Express (10, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Transportation and warehousing (4)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Aroostook County, ME (7)
How this lender was matched in the SBA files: NCUA charter 15619, found through the RSSD ID in NCUA records (SBA lists “Acadia FCU”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Acadia Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Fort Ken and Maine
- COMMUNITY CONCEPTS FINANCE CORPORATIONLoan fund · South Paris, MEMicroloans, Home mortgages, Small-business loansVerified
- Coastal Enterprises, Inc.Loan fund · Brunswick, MEAgriculture / farm loans, Child-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans…Verified
- Four Directions Development CorporationLoan fund · Orono, ME · Native CDFIHome repair / improvement loans, Affordable housing development loans, Home mortgages, Nonprofit / community facility loans…Verified
- Genesis Fund, Inc.Loan fund · Brunswick, MEAffordable housing development loans, Nonprofit / community facility loansVerified
- MaineStream FinanceLoan fund · Bangor, MEHome mortgages, Small-business loansVerified
- Northern Maine Development CommissionLoan fund · Caribou, MEMicroloans, Small-business loansVerified
Work at Acadia Federal Credit Union? Link to this page
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