Estate planning at Town & Country FCU

Membership is open to anyone who resides, works, attends school, or worships in Cumberland or York County, Maine. Family members of eligible individuals or current members may also join. Once a member, always a member, even if you relocate outside the service area. Membership requires a $25 minimum deposit to open a savings account, which establishes your membership share.

Town & Country FCU offers Loan Protection Plus, a voluntary debt protection product that may cancel or reduce your loan repayment if a protected life event occurs. Coverage is available for consumer loans, home equity loans, and credit card debt. The credit union also offers Guaranteed Auto Protection (GAP) for vehicle loans, which covers the difference between the insurance payout and the outstanding loan balance if a financed vehicle is totaled, plus up to $2,500 toward a replacement vehicle down payment.

The Free Rewards Checking account earns up to 4.07% APY on everyday banking activities. There is no monthly service fee and no minimum balance requirement to earn rewards. The account includes ATM fee refunds nationwide, 24/7 PIN management, free online banking, and bill pay. Like all deposit accounts, you can add a POD beneficiary designation to pass the account directly to named beneficiaries outside of probate.

Yes. Town & Country FCU offers Coverdell Education Savings Accounts (CESA) with tax-free growth for qualified education expenses. There is no setup fee. The maximum annual contribution is $2,000 per child, the beneficiary must be under 18 at the time of contribution, and funds must be withdrawn by age 30. Funds can roll over to other family members without penalty. Certain income limits apply for contributors.