Membership Requirements


Persons who live, work, worship or attend school in Hancock, Washington, Waldo, or Penobscot County, Maine.


Immediate family members of current Seaboard FCU members.


Members who left the credit union while in good standing.


For a business to qualify for membership at Seaboard FCU, the business needs to be physically located in Hancock, Washington, Waldo, or Penobscot County or all of the owners of a business must individually qualify for membership. A business becomes a Member Business with a $5.00 Share Account (savings). The Credit Union also has Member Business Draft (checking) accounts, clubs and money market as well as various Member Business Loan products.

The IRS prohibits the Credit Union from allowing a check made out to a business name to be cashed or deposited into an account that does not match the business name. Therefore, all checks made out to a business name must first be deposited into a business account.

Identity Verification Notice


To help the government fight the funding of terrorism and money laundering activities, Federal law, known as the USA PATRIOT ACT, requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, the Credit Union will ask for your name, address, date of birth, and other information that will allow the Credit Union to identify you. The Credit Union may ask to see and retain copies of any documents used to verify your identity, such as your driver’s license or other identifying documents.

Secure Application

In order to better serve you, we offer a secure online application to start the process for becoming a member of Seaboard Federal Credit Union.