Young adults on mobile phones

Free4ME Account

Adulting doesn't have to be hard.

free 4 me account

OFCU’s Free4ME account is designed especially for young adults age 18-25.  You can use it everywhere... college, work, wherever life takes you! 

  • Digital banking for account management
  • Free VISA debit card with card controls
  • Link your debit card to your smartphone for easy mobile payments
We know mistakes can happen, that's why we added overdraft forgiveness to the Free4ME account. Notify us when you have an overdraft and we’ll refund your fee twice per year (January to December in a given calendar year)

You can open an account online, stop by an Oxford FCU branch or call us at 1.844.329.2070Here's a handy list of what you will need.

Building Credit

Establishing credit takes time - up to a year - so it's a good idea to start as soon as you turn 18. Here are a few options.
Share Secured Visa Credit Card
Our Share Secured Visa has a spending limit tied to the funds you have secured in your OFCU Share/Savings account.  Contact us if you would like to learn more. 
Credit Builder Loan
Our Credit Builder loan holds the amount borrowed in your OFCU savings account while you make payments. At the end of the loan term you will have money to spend and credit history!  Learn more.

We are here for you.

We are happy to answer any questions you have and provide any financial guidance you need. You can reach us by completing this form, giving us a call at 800.991.9219 or stopping by a branch. 
Oxford Federal Credit Union is a full-service financial institution serving members in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset and York counties in Maine.

Prepare for your future with an IRA.