Serving ALL of Kennebec and Somerset Counties

Products & Services

NEW! 24 Access to your account online – click for info.

Savings (Share) Account

Checking (Share Draft) Account

Club Account

Children’s Accounts

Share Certificate

IRA – Individual Retirement Account

Check Reorder Online

Teller-Phone Service (account information)

ATM Machines

Direct Deposit

VISA Debit/ATM Card

MasterCard Credit Card (check your account)

Payroll Deduction

Drive-Up Window

Night Depositories

American Express Travelers Cheques

Money Orders

U.S. Savings Bonds

Insurance Products

Notary Public

Wire Transfers

Rate & Fee Schedule

Savings (Share) Account

There is a $25.00 minimum deposit required to open a savings account and entitles you to all the other benefits and services at the Credit Union. Dividends on savings are calculated on the average daily balance and are payable monthly. Make your Credit Union the place to save money! View disclosure & fee schedule

Checking (Share Draft) Account

If you think all checking accounts are alike, it’s time you checked us out. A Credit Union Checking Account can save you a bundle in service charges and individual check processing fees. Along with economic benefits, our checking account gives you the security of automatically transferring money from your savings account to your checking account to cover a check when there are insufficient funds. There’s no minimum balance required. You receive monthly statements and canceled checks are stored on microfilm for your convenience. View disclosure & fee schedule

Club Account

You can use a Club Account to save for just about anything – Christmas, vacation, taxes or all-purpose. Club Accounts make it easy to save, through Payroll Deduction, and you earn dividends like our regular Share Account. View disclosure & fee schedule

Children’s Accounts (Age: Birth – 18 yrs.)

All children’s accounts require a deposit of  $25.00 to open, but earn dividends on all amounts of $5.00 or more. 

HealthFirst FCU knows how important it is to start teaching our children at a very early age how important it is to learn how to manage their finances by learning good savings habits.  For each child that opens a savings account, HealthFirst will deposit $10.00 into their account to help them get started.

For every $5.00 your child brings into the credit union in person to deposit into their savings (share) account, we will reward them with coin books to fill for future deposits, a little surprise and a coupon to fill out for our monthly drawings for a bigger prize. 

All of our children will receive a “Birthday Card” on their birthday with a special “surprise” inside.

“Little” Saver Program: (Age: Birth – 5 yrs. old)

We will help open their account with $10.00 and for each $5.00 that they deposit, their name will go into a monthly drawing for a $50.00 Savings Bond.

“Bigger” Savers Program: (Age: 6 – 12 yrs. old)

We will help open their account with $10.00 and for each $5.00 that they deposit, their name will go into a monthly drawing for a video store coupon.

“Youth” Savers Program: (Age: 13 – 18 yrs. old)

We will help open their account with $10.00 and for each $5.00 that they deposit, their name will go into a monthly drawing for movie passes or free pizza.

“College” Students: (Age: 17 and older)

If you finance your education with us, we will provide you with a free checking account and a free ATM card.

We are here to help you with all your college financial needs.  We know how expensive a college education is today and we can provide you with your entire student loan needs. This is why we participate in the “Maine Advantage Student Loan Program”. Your interest rate on your student loans can be reduced by up to 1 ½% with your first payment.   We offer both Subsidized and Unsubsidized Federal Stafford Student Loans.  We also offer Plus loans for your parent’s college financial needs. 

HealthFirst FCU also invites you and your parents to attend our Annual Financial Aid Workshop where you will be given information on what needs to be done prior to applying for financial aid and where you can look for financial assistance such as scholarships and grants.

 View disclosure & fee schedule

Share Certificate

If you’re looking for a savings account that offers higher dividends than regular savings without tying up your money for a long period of time, a Share Certificate may be the answer. We offer fixed rate Certificates as short as six months and as long as twelve months. These shorter terms allow you to earn dividends without losing access to your funds in a practical amount of time. Our Certificates require a minimum deposit of $500 and early withdrawal may require a small penalty fee. View Current Rates

Individual Retirement Account

Plan now to enjoy a comfortable retirement by opening a Credit Union Individual Retirement Account (IRA). With benefits such as higher dividends than regular savings and tax-deferred interest earnings, an IRA is a perfect supplement to other sources of retirement income. You can contribute once a week, once a year or however often you’d like, as long as you stay within the contribution limits.

The Taxpayer Relief Act Act of 1997 created a variety of new IRA options. Not only did it change rules for the traditional IRA, but it also introduced the Roth and Education IRAs. Traditional IRAs  are more attractive than ever because expanded income limits mean more people will be able to make tax-deductible contributions. In addition, penalty-free withdrawals are allowed for qualified higher-education expenses. 

Contributions to both Roth IRA or Education IRA aren’t tax-deductible, but the accounts offer the opportunity for tax-free earnings. View Current Rates

When you are ready to contribute to an  IRA, please contact us. We’re here to help you save for your goals with an IRA

Online Check Reordering!

Clarke America’s Check Reorder ExpressSM, allows you to conveniently reorder check and check-related products online. In less than five minutes, you can submit a check reorder from the comfort of home! 

Convenient Financial Services

Teller-Phone Audio Response

You can enjoy the convenience of using a telephone to access your credit union accounts from home, work and even if you are out of town. With this audio response system, you can make account inquiries, transfer funds form one account to another, and make withdrawals from your Share or Share Draft account. All you need is a touch-tone phone and our special access codes. Click here for more information and to download a printable form to apply for this convenient service.

Direct Deposit

Nothing is safer or more convenient than direct deposit. With this service you can electronically transfer your paycheck to the account you choose. You get an earnings statement on payday that gives you important information like tax withholdings and your net deposit. It’s that simple – your funds are ready for withdrawal with no more waiting for checks to clear.


It’s an ATM card…only better! The HealthFirst FCU VISA Check Card allows you to charge purchases against your checking account.

You’ll enjoy free unlimited ATM usage when you perform transactions at our ATM machines located at the Seton and Thayer Units of MaineGeneral Medical Center, Waterville, and at Point of Sale terminals. At In-Store Banking locations at Shaw’s and Shop n’ Save, you can make deposits and withdrawals at the service desks of these major supermarkets for free.

The VISA® Check Card gives you instant access to cash, 24 hours a day, 7 days a week, whether you’re near home or traveling across the country – or even around the world. Through the regional and national networks, the VISA® Check Card allows you to get cash, transfer funds and check balances at more than 70,000 locations worldwide displaying the NYCE®, PLUS®, TX®, Member Access®, or CU24® logos. Click here to find the nearest Credit Union ATM to you. 

To apply for the CU24sm VISA® Check Card, first read the following Electronic Funds Transfer and Cardholders Agreement, then click on the following link and print out the application. After completing the application, please bring, fax, or mail the finished application to:

HealthFirst Federal Credit Union
9 Quarry Road
Waterville, Maine 04901
Fax: (207)872-4902

Click here for the CU24sm VISA® Check Card Application


HealthFirst Federal Credit Union has 3 ATM’s for our members convenience.  1 is located at our branch office on 84 Kennedy Memorial Drive. This machine is for withdrawals only. 2 are located in MaineGeneral Medical Center. One at the Seton Unit on Chase Ave. in the lobby and one in the Thayer Unit at 149 North St. by the coffee shop. Both of these machines accept deposits as well as making withdrawals.

Payroll Deduction

This service enables you to transfer funds from your paycheck to a Savings/Club account, or make a loan payment. The transfer amounts are determined by you and the automatic deduction makes paying bills or saving money easy!

Drive-Through Windows with Convenient Hours

9 Quarry Rd. – Monday – Wednesday 8:00 AM to 4:30 PM
Thursday 8:00 AM to 5:00 PM & Friday 7:00 AM – 4:30 PM

84 Kennedy Memorial Drive – Monday – Friday 8:00 AM – 5:00 PM

Night Depositories

We have night depositories at both locations available for a secure and convenient way to deposit cash and checks.

American Express Travelers Cheques 

HealthFirst Federal Credit Union offers American Express Travelers Cheques as a service to its members.  We carry 1 signature, 2 signature as well as American Express Gift Cheques.


We offer money orders in any amount that that the member has a need for.

U.S. Savings Bonds 

HealthFirst Federal Credit Union sells and redeems all types of  U.S. Savings Bonds.  We also offer our members the opportunity to participate in our “Bond A Month Club”.  If you would like to join this club, stop in or call the credit union for more details.

Insurance Products

·        Accidental Death & Dismemberment Insurance: $1,000.00 FREE per primary member 18 years and older.

·        Additional Accidental Death & Dismemberment Insurance:  (Member Pay)

·        Credit Disability Insurance: (Member Pay)

·        Loan Protection Insurance: (Member Pay)

·        Cancer Insurance: (Member Pay)

·        EQUINOX INSURANCE SERVICES: Here is where Credit Union members and other savvy Mainers shop for their Home, Auto, Life Business and all other insurance needs.

Notary Public Services

We offer FREE Notary Public Services to our members.

Wire Transfer

HealthFirst FCU can wire transfer funds anywhere in the world!