Mortgage and Land

We've been helping Maine get home since 1956. Move into your dream home with the help of your neighbors.

Key Features


  • Competitive rates for home purchase or refinance
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Loans are serviced directly by Bangor Federal Credit Union
  • We offer a wide range of terms tailored to your needs
  • Land loans are also available
  • We now offer construction loans with up to 95% financing - one of only a few institutions to provide this service to those in Waldo, Hancock, and Penobscot Counties
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Fast decision-making and processing right here in Central Maine
  • Local service from people you know and trust!

Talk to one of our Loan Officers about buying a home today by calling 207-947-0374 or to check current rates.

To receive a free annual credit report, visit 

Apply Today

NMLS# 442999

CU Promise home loans for main logo

Bangor Federal participates in the CU Promise Home Loan program used for the purchasing of a home. Unfortunately, refinancing an existing home loan is not eligible. 

The CU Promise loan offers great terms, great service, and great rates. But it also comes with three very important guarantees: 

  • Guaranteed same-day loan decision
  • Guaranteed closing date
  • Guaranteed local servicing 

Are you thinking about refinancing your current mortgage? If so, we may have the resources and information you need to make such a big decision. Our Lending Team is ready to answer questions you may have regarding your current mortgage as well as provide the following.

  • Low interest rates.
  • Local loan servicing.
  • Ability to borrow up to 90% of the home’s value with out the requirement of PMI (Private Mortgage Insurance).

Call our Lending Department at 207-947-0374 today to setup an appointment!

Bangor Federal Credit Union complies with Federal mortgage servicing rules as defined in the Real Estate Settlement Procedures Act (12 CFR 1024.35) — for this purpose, specifically as it pertains to mortgage error resolution and information requests. 

If a member believes there has been an error relating to their mortgage loan, the member should submit a notice in writing to Loan Processor, Bangor Federal Credit Union, P.O. Box 1161, Bangor ME 04402. The notice must contain the following information:

Name of the member; The mortgage loan account number; and Details about the error the member believes has occurred.

A notice submitted on a payment coupon or other payment form is not considered a notice of error. Furthermore, duplicate notices must contain new and material information to support the asserted error. 

Requests for information should be submitted in writing to Branch Manager, Bangor Federal Credit Union, P.O. Box 1161, Bangor ME 04402. A request for information about a mortgage loan should include the name of the member and mortgage loan account number.

Checking Accounts

At Bangor Federal, our members come first. With several options to choose from, including Premium & Plus Checking with top tier rewards, you can have the checking account that best suits your lifestyle.

person using bank card