STRONGERTOGETHER

A Directory of Maine's Cooperative Economy

Compiled byCooperative Maine

www.cooperativemaine.org

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ABOUT COOPERATIVE MAINE

Cooperative Maine is a new organization that has emerged over the past year to connect, strengthen andsupport cooperatives and their allies across the state. We believe that cooperatives are powerful andeffective tools in the work of creating a more sustainable, equitable and democratic economy in Maine.Cooperative Maine aspires to increase the visibility of the cooperative model as an economic developmentstrategy for our communities, to support existing cooperatives in their work, and to encourage newcooperative efforts.As a first step toward achieving these goals, we have compiled this directory of diverse cooperativesacross the state of Maine. We hope that these listings will help to educate readers about cooperativebusinesses and organizations in general; to raise awareness about the resources, services and goods thatMaine's co­ops have to offer; and to provide sparks of inspiration for people and organizations looking tostrengthen Maine's people and communities through the creation of practical, effective and democraticinstitutions to meet the needs of current and future generations.This directory is a collaborative effort with two other cooperative support organizations. The CooperativeDevelopment Institute (based in Greenfield, MA) is a nonprofit organization offering cooperativebusiness education, training and technical assistance to communities in New England and New York. Formore information, please see http://www.cdi.coop. The Data Commons Project is a bi­national effort(U.S. and Canada) to create a comprehensive, public directory of the North American cooperativeeconomy. Please see http://dcp.usworker.coop for more information about this project.In you are inspired by the information you find here, if you would like to discuss your ideas forcooperative projects, or if you have any questions about co­op structures and options, please contact us.We are excited to offer whatever resources we can!In Cooperation,Ethan MillerSurvey coordinator and directory editorCooperative Maineinfo@cooperativemaine.orghttp://www.cooperativemaine.org

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Important Disclaimers and Requests:

The listing of an organization or business in this directory is not meant in any way to imply anaffiliation with Cooperative Maine, its values, statements, or activities. Groups are listed here onlyfor purposes of public education and awareness, and to facilitate direct contact between listedgroups and interested individuals.Although we have made every effort to verify the information for each listing in this directory,there were some cooperatives that we were unable to contact. Therefore, some listings containedhere are unverified and are marked accordingly with an asterisk (*). We are certain that there are cooperatives in Maine that were unintentionally left out of thisdirectory. If you are aware of any organization, business or project that should be listed here,please let us know!

STRONGER TOGETHER: A Directory of Maine's Cooperative EconomyFinal Version

Published September 15, 2008

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TABLE OF CONTENTS

Introduction .....................................................................................................................................International Statement of Cooperative Identity..............................................................................CONSUMER COOPERATIVES ....................................................................................................

Food Cooperatives .......................................................................................................................Nursery and Preschool Cooperatives ...........................................................................................Electric Utility Cooperatives ........................................................................................................Other Consumer Cooperatives .....................................................................................................

HOUSING COOPERATIVES .........................................................................................................PRODUCER COOPERATIVES ......................................................................................................

Agricultural Cooperatives .............................................................................................................Fishing Cooperatives ....................................................................................................................Artist and Craft Cooperatives ........................................................................................................Publishing Cooperatives ................................................................................................................

WORKER COOPERATIVES ............................................................................................................MULTI­STAKEHOLDER COOPERATIVES ...................................................................................FINANCIAL COOPERATIVES ........................................................................................................

Credit Unions .................................................................................................................................Other Financial Cooperatives ........................................................................................................

RETAILER­OWNED COOPERATIVES .........................................................................................MUNICIPAL & BUSINESS­OWNED COOPERATIVES ...............................................................COMMUNITY LAND TRUSTS ......................................................................................................SERVICE COMMUNITIES .............................................................................................................NETWORKING & SUPPORT ORGANIZATIONS ........................................................................WEB RESOURCES ..........................................................................................................................

5688910111113131517202122222339404041424345

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INTRODUCTION: What Is a "Cooperative"?

Cooperatives are organizations and businesses that are owned and operated by and for their members toserve the needs of those members. They come in many sizes and shapes, and work to fulfill manydifferent types of needs and aspirations. Cooperatives can provide housing, employment, food, marketingservices, insurance, entertainment, banking, administrative services, manufactured goods, communityspace, education, and even funeral services. In short, cooperatives can (and, around the world, do) meetnearly every human need for goods and services.Yet what truly sets cooperatives apart from other structures is not their versatility but the manner in whichall of these different needs can be met. Cooperatives not only meet the needs of their members; they areuniquely able to meet the needs of their members in ways that encourage participation, buildcommunities, and sustain positive social values. Cooperatives are built on the democratic participation oftheir memberships. They keep resources and decisions local, building long­term community wealth. Theystrengthen individuals through collective organization. They teach basic values of self­help, self­responsibility, democracy, equality, equity and care for others.In these times of increasing uncertainty, the cooperative model also has much to offer in the way ofeconomic security. Because cooperatives are driven by the needs of their members, rather than by thedrive to maximize profit, they are often less likely to make decisions about employment or the provisionof goods and services that would negatively impact their community. Cooperative also offer the power ofcollective action: when resources are scarce, we can do more together than we can do alone.A few further clarifications about the cooperative model might be helpful:Cooperatives are democratic organizations. Though the management structures of various cooperativesvary widely, the final word in all co­ops comes from their members. Cooperatives are built on the ideathat people's needs are best served when they have a voice in deciding how these needs should be met.Some Co­ops are "non­profit" and some co­ops are "for­profit." Because cooperatives serve socialpurposes, it is sometimes assumed that the co­op model requires an organization or business to operate ona not­for­profit basis. While many cooperatives (including credit unions, utility co­ops, and manycooperative grocery stores) do operate on a not­for­profit basis, others (such as many worker­ownedcooperatives) strive to turn a profit. The difference between this activity and that of a conventionalbusiness is where the profits go, and who decides. Because they are democratic, member­ownedbusinesses, surplus earnings are distributed according to the needs of the co­op (re­invested in thedevelopment of the business) and the labor or resources invested by co­op members (shared out as"patronage" dividends). Co­op member­owners make these decisions (and benefit from them), rather thana single business owner or absentee shareholders.Not all cooperatives are formally incorporated as "cooperatives." Most states, including Maine, havelegislation that recognizes cooperative corporations and some co­ops choose to structure themselvesaccording to these statutes. Many cooperatives, however, have chosen other forms of incorporation.Co­ops can be structured as "Cooperatives," "Non­profit Mutual Benefit Corporations," "S Corporations,""C Corporations," "Associations," "Limited Liability Corporations," "Partnerships" and informalgroupings. What truly defines a "cooperative" is the substance of how it operates: democratic membercontrol; one member, one vote (rather than, for example, "one dollar, one vote"); and a mission to directlyserve a defined need of its membership.

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International Statement of Cooperative Identity

Cooperatives are as challenging as all the rest of our interactions with each other, and as rewarding.There's no way around it: working with other people is hard work. In our society, this is especiallydifficult since we are often not taught the tools and skills we need to cooperate most effectively.Embarking on a cooperative project is bound to be an adventure, one that will be full of challenges,frustrations, and difficult learning experiences, as well as all of the growth and satisfaction that onlycomes from overcoming challenges and learning new skills together.Cooperatives are formal versions of the basic human impulses that hold society together. Despiteencouragement from many elements of our society to compete against one another in many arenas, webuild many of the healthiest and most satisfying portions of our lives on practices of care and cooperation.In families, friendships, neighborhoods, churches, community organizations, or even at work (where we'resupposed to be more "competitive"), many of us learn that the most effective way to meet our needs andthe needs of others is through relationships of mutual care and respect, group participation, andcamaraderie. We might better appreciate the important role of cooperation in society if we imagine for amoment what our lives would be like if every relationship and situation operated according to the valuesof the competitive marketplace: everyone for themselves, each against all. Not a pretty picture.Cooperative businesses and organizations are woven from the already­existing threads of socialcooperation. They are ways of formalizing what we as humans already do­­and truly value­­in our dailylives. It comes down to this: together, we are stronger, healthier, happier, and more effective.

The International Cooperative Alliance (ICA), founded in 1895, unites, represents and servesco­operatives worldwide. In 1995, the ICA adopted a "Statement of Cooperative Identity" which serves asa touchstone for all types of co­ops. Visit http://www.ica.coop for more about the ICA and the cooperativemovement.DefinitionA co­operative is an autonomous association of persons united voluntarily to meet their commoneconomic, social, and cultural needs and aspirations through a jointly­owned and democratically­controlled enterprise.ValuesCo­operatives are based on the values of self­help, self­responsibility, democracy, equality, equity andsolidarity. In the tradition of their founders, co­operative members believe in the ethical values of honesty,openness, social responsibility and caring for others.

PrinciplesThe co­operative principles are guidelines by which co­operatives put their values into practice.

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1st Principle: Voluntary and Open MembershipCo­operatives are voluntary organizations, open to all persons able to use their services and willing toaccept the responsibilities of membership, without gender, social, racial, political or religiousdiscrimination.2nd Principle: Democratic Member ControlCo­operatives are democratic organizations controlled by their members, who actively participate insetting their policies and making decisions. Men and women serving as elected representatives areaccountable to the membership. In primary co­operatives members have equal voting rights (onemember, one vote) and co­operatives at other levels are also organized in a democratic manner.3rd Principle: Member Economic ParticipationMembers contribute equitably to, and democratically control, the capital of their co­operative. At leastpart of that capital is usually the common property of the co­operative. Members usually receive limitedcompensation, if any, on capital subscribed as a condition of membership. Members allocate surpluses forany or all of the following purposes: developing their co­operative, possibly by setting up reserves, partof which at least would be indivisible; benefiting members in proportion to their transactions with the co­operative; and supporting other activities approved by the membership.4th Principle: Autonomy and IndependenceCo­operatives are autonomous, self­help organizations controlled by their members. If they enter toagreements with other organizations, including governments, or raise capital from external sources, theydo so on terms that ensure democratic control by their members and maintain their co­operativeautonomy.5th Principle: Education, Training and InformationCo­operatives provide education and training for their members, elected representatives, managers, andemployees so they can contribute effectively to the development of their co­operatives. They inform thegeneral public ­ particularly young people and opinion leaders ­ about the nature and benefits of co­operation.6th Principle: Co­operation among Co­operativesCo­operatives serve their members most effectively and strengthen the co­operative movement byworking together through local, national, regional and international structures.7th Principle: Concern for CommunityCo­operatives work for the sustainable development of their communities through policies approved bytheir members.

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CONSUMER COOPERATIVES

Consumer Cooperatives are businesses or institutions are owned and run by the consumers who utilizetheir goods and services. These cooperatives come in many forms, depending on the kinds of goods andservices being offered. In this directory, you will find listings for food cooperatives, nursery andpreschool cooperatives, electric utility cooperatives and a cooperative hardware store. Housingcooperatives, which could be considered a type of "consumer co­op," will be listed in a separate section.

Belfast Co­operative123 High St.Belfast, ME 04915Phone: (207) 338­2532Fax: (207) 338­5234info@belfastcoop.comhttp://www.belfast.coopErica Buswell, General Management TeamThe Belfast Cooperative Store is a membershipowned and controlled retail outlet for whole naturalfoods and other goods and provisions. The co­op"strives to offer a wide selection of products atreasonable prices to support healthy lifestylechoices for both our members and the generalpublic. Our intent is to be a resource forinformation concerning health, nutrition, and thesource of our products, as well as for communitytopics and other related issues." Founded in 1976.

Blue Hill Food Co­op4 Ellsworth Rd.P.O. Box 1133Blue Hill, ME 04614Phone: (207) 374­2165Fax: (207) 374­3757freshwindbrightsky@gmail.comKaren Doherty, Co­ManagerA member­owned natural foods cooperativefounded in 1973. The co­op currently hasapproximately 1400 member­owners.

Fare Share Market18 Tannery St.Norway, ME 04268Phone: (207) 743­9044Fax: (207) 743­9044webmaster@faresharecoop.orghttp://www.faresharecoop.orgA member­owned natural foods co­op workingsince 1978 to create a high­quality, low­priced, not­for­profit food supply, democratically controlled bythe membership; to educate the community onnutrition, agriculture and alternate technology; todevelop an information­sharing andcommunication center; to help further principles ofcooperation, democracy, and self­reliance for thegeneral betterment of members and community;and to provide a welcoming & inspiring space tobuild a healthy and sustainable community.

Good Tern Co­op750 Main St.Rockland, ME 04841Phone: (207) 594­8822Fax: (207) 594­7171goodterncoop@verizon.nethttp://www.goodtern.comTim Sullivan, ManagerIn business since 1980, Good Tern Co­op providesits members and community with organic, localand natural foods as well as herbal remedies, petsupplies, health and beauty aids and housewares.

FOOD COOPERATIVES

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Portland Food Co­opP.O. Box 5312Portland, ME 04101info@portlandfoodcoop.orghttp://www.portlandfoodcoop.orgIncorporated in Spring 2008, the PFC will begin amembership drive in Fall 2008 and plans to open agrocery marketplace in 2­3 years that isco­operatively owned by members offering productsthat are natural, healthy, organic, locally­produced,cruelty­free, fair trade and/or sustainably­produced.

NURSERY & PRESCHOOL COOPERATIVES

Children's Cooperative302 Stevens AvenuePortland, ME 04103(207) 774­9029Shelsie Rawding, DirectorA cooperative preschool. Parents of attendingchildren assist in the classroom for a minimum of20 hours per year. Founded in 1972.

Falmouth Corner Co­op Preschool18 Mountain RoadFalmouth, ME 04105(207) 878­1192Pat Wood, DirectorA cooperative preschool, owned and run by parentswho are also involved with children in theclassroom.

Gorham Cooperative Preschool28 Ball Park RoadGorham, ME 04038(207) 839­4706http://www.gorhamcoop.orgA nonprofit, non­denominational cooperative

preschool, founded in 1968 and providing "highquality, affordable education for preschoolers andtheir families." 42 member families.

Peopleplace Cooperative PreschoolP.O. Box 644Camden, ME 04843Phone: (207) 236­4225Fax: (207) 230­1214office@peopleplacecoop.orghttp://www.peopleplacecoop.orgPeopleplace is a cooperative preschool whereparents are partners in the education of their child.The school is licensed by the State of Maine as achildcare facility and serves children from 14neighboring towns.

Portland Nursery Schoolat St. Pius X Community Center492 Ocean Ave.Portland, ME 04103(207) 775­6699http://www.portlandnurseryschool.orgPortland Nursery School was founded in 1972 as acooperative, because parents wanted to be involvedwith the education of their preschoolers. Parents of

Rising Tide Community Market15 Coastal Marketplace DriveDamariscotta, ME 04543(207) 563­5556rtcoop@tidewater.nethttp://www.risingtide.coopScott Cooper, Co­General ManagerRising Tide is a cooperative natural foods storededicated to being a trusted community­basedresource for high quality, natural, sustainable foodsand goods. Founded in 1978.

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Portland Nursery School (cont'd)children enrolled form the Association, whichoperates the school through its Executive Boardand Committees. There are currently 14 memberfamilies. The school's goal is "to nourish eachchild’s sense of self­worth, while enhancing his/herability to relate to others."

The Children's Nursery Schoolat the Willisson West Church32 Thomas St.Portland, ME 04102(207) 780­0226kcarr38@hotmail.comhttp://www.childrensnurseryschool.orgFounded in 1975, the Children's Nursery School(CNS) is a state­licensed co­operative nurseryschool in Portland's West End, offering a five­dayprogram for 17 children, ages 3­5. Parents are notonly the administrators of the school, they are the

most important resources for the teachers, whodepend on co­op members to bring their uniquepersonal resources to create a curriculum thatreflects each year's particular group.

Village Nursery School97 Main St.P.O. Box 482Yarmouth, ME 04096(207) 846­9010info@villagenursery.orghttp://www.villagenursery.orgVillage Nursery School is a co­operative nurseryschool in which parents participate in theclassroom setting. The classroom commitmenttends to be about 1 day/month. Each family alsovolunteers for a role in the operation of the nurseryschool. There are many different areas tocontribute, enabling each family to find acomfortable role. 24 families are currentlyinvolved.

ELECTRIC UTILITY COOPERATIVES

Eastern Maine Electric Cooperative21 Union StreetP.O. Box 425Calais, ME 04619­0425Phone: (207) 454­7555Toll­free: (800) 696­7444Fax: (207) 454­8376info@emec.comhttp://www.emec.comA non­profit consumer­owned electric utilityserving parts of Aroostook, Penobscot, andWashington Counties. Its primary goal is toprovide quality electric service to member­ownersat the lowest cost consistent with soundmanagement.

Fox Islands Electric Cooperative, Inc.66 Main Street

P.O. Box 527Vinalhaven, ME 04863­0527Phone: (207) 863­4636Fax: (207) 863­4526office@foxislands.nethttp://www.foxislands.netA consumer­owned electric utility cooperative with2,000 members. Founded in 1975.

Isle au Haut Electric PowerCompanyOne Landing LaneP.O. Box 17BIsle au Haut, ME 04645­0017Phone: (207) 335­2991Fax: (207) 335­2981A consumer­owned electric utility.

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Farmington Farmers Union244 Front St.Farmington, ME 04938Phone: (207) 778­4520Fax: (207) 778­0763Liz Theriault, ManagerA community­owned cooperative hardware store.Founded in 1912 as a co­op, Farmington FarmersUnion is the oldest cooperative of any kind inMaine. Most of its 3,000 owner­members livewithin 30 miles of the store.

Midcoast Oil Co­op103 Mistic AvenueRockport, Maine 04856midcoastoil@yahoo.comLaTanya BeckThe Midcoast Oil Co­op is a group of people whohave joined together to have leverage with fuelcompanies to purchase LP gas, kerosene and #2heating oil at a discounted rate. Membership is freeand most communication is done by email.Founded in 2006, the co­op has more than 200members.

Madison Electric Works6 Business Park Dr.Madison, ME 04950Phone: (207) 696­4401Fax: (207) 696­5627calames@tdstelme.nethttp://www.madisonelectricworks.comCalvin Ames, General ManagerAn electric utility cooperative, serving residents ofthe Madison area. Founded in 1888.

Swan's Island Electric Co­op, Inc.8 Quarry Wharf RoadP.O. Box 14Swan's Island, ME 04685Phone: (207) 526­4336Fax: (207) 526­4331A consumer­owned electric utility cooperative with550 members. Founded in 1949.

OTHER CONSUMER COOPERATIVES

HOUSING COOPERATIVES & COLLECTIVES

Bangarang Collective8 Howe StreetLewiston, ME 04240(207) 782­3604thebangarang@riseup.nethttp://www.geocities.com/thebangarangcollective

Ryan ConradThe bang(a)rang is a radical collective of queerfolks living, breathing, sharing and supporting eachother together in Lewiston, Maine. Founded in2004.

Housing Cooperatives are multifamily dwellings owned and controlled by their residents. They can rangein style from formal associations through which members own complete individual housing units(cooperative apartments) to "collectives" in which a single living space is shared in common by a group ofco­habitants. Many people live collectively without creating a formal organization. We list here only thosegroups who have created formalized structures and names for their cooperative housing. In this listing, wealso include a co­housing community, in which the cooperative association owns common land and sharedcommunity facilities, while individuals own their own housing structures.

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Beehive Design CollectivePlease see page 17.

Downeast Friends Community122 Cottage St.Bar Harbor, ME 04609(207) 288­3633dphipps@me.acadia.netDiane and Robert Phipps"Established in 1978 as a collective working tocreate a whole­grain bakery, the community hasevolved into a group of artists and humanecologists. In practice, we are economicallyindependent with an individual contribution towardupkeep and taxes of the building, phone, electric,and recycled paper products. Physically, ourcommunity consists of one large commercialbuilding, one large organic garden, and one largeshed and a woodworking shop." 10 members.

Faire Bande à Part HousingCooperative75 Maple StreetLewiston, ME 04240(207) 240­1139faireop@gmail.comThe "Faire­Op" is a housing cooperative created in2007 with a mission of "maintaining affordabilityof housing for low and moderate income residentsin Lewiston, ME; engaging in educationalprograms to eliminate prejudice and discriminationin housing and further the principles of toleranceand cooperation; maintaining an open and safespace, affirming to all people; reducing theecological footprint of residents; using Co­Opproperty for community purposes; keepingmonthly living expenses low through budgeting,chore sharing, and long­term planning; sharinginformation with other local residents and cityofficials about cooperative housing; andencouraging and empowering residents to be activemembers in the community and in municipalpolicy­making."

JED Collective217 South Mountain Rd.Greene, ME 04236(207) 946­4478jed@riseup.nethttp://www.jedcollective.orgThe JED Collective is home to a group oforganizers, parents, cultural workers, farmers,writers and healers who share a commitment toliving in mutually­supportive community, workingtogether towards increased self­sufficiency andsustainability, and dedicating their life energies indiverse ways towards the work of building socialand economic justice, ecological health, and aculture of solidarity and care. Since 2001, JED hasbeen sinking its roots into the land, workingtowards the long­term vision of a sustainableintentional community, an organic farm andorchard, and an education, retreat and resourcecenter to support work for social change in Maineand beyond.

Oak Street Housing Cooperative19 Oak St.Bath, ME 04530A multi­unit, resident­owned housing cooperative.

Together Place Housing150 Union St.Bangor, ME 04401(207) 941­2907mmhc@mmhc.ushttp://www.mmhc.us/tph.htmAngie BrownTogether Place Housing is a Bangor­based housingco­operative run by and for the low income adultmental health consumers who live in it. TogetherPlace Housing is independent of Maine MentalHealth Connections Inc., who providesAdministrative Support. There are three separateapartment buildings with 11 units in total.

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Two Echo Cohousing Community93 Echo Rd.Brunswick, ME 04011(207) 798­4823enid@two­echo.orgEnid Sharphttp://www.two­echo.org

Formed in 1991, Two Echo Cohousing Communityis a multi­generational clustered countryneighborhood, designed and managed by itsresidents, whose 27 privately­owned homes clusteraround a common house and a 90­acre parcel ofcommunity­owned open space.

PRODUCER COOPERATIVES

Producer Cooperatives are businesses and organizations that are created by and for a group of"producers"­­individuals or businesses that engage in the production of various goods and services. Suchco­ops can range in nature from simple marketing cooperatives in which producers collectively promotetheir products, to complex businesses that are created and owned by producers to process, package, andsell products. Sometimes the term "producer cooperative" is used to refer to businesses that are owned andrun by their employees. While some producer co­ops do function essentially as worker­owned businesses(many artist­owned cooperatives, for example), we use the term "producer co­op" to refer to the broadscope of possible producer associations.

Aroostook Beef ProducersP.O. Box 414Mars Hill, ME 04758­0414(207) 543­7328dmpotter@ncil.netDavid Potter, ChairmanAroostook Beef Producers (ABP) is a private, non­profit corporation made up of numerous beefproducers from all scales of operation, whosemission is to create options for producers thatreturn the maximum value of each animal directlyto the producer by sponsoring programs thateducate producers on the production techniques,management tools and marketing options thatsupport profitability. ABP owns and operates acattle shipping facility near Interstate 95 tocooperatively market cattle in the Eastern U.S.Membership is $15/year.

Cooperative Poultry Producers (COOPP)Tillson Road

Monmouth, ME 04259(207) 345­9005stofarm@aol.comPaula Stotts, DirectorMailing:87 Standpipe RoadMechanic Falls, ME 04256COOPP is a group of poultry farmers that havecome together to develop cooperative, state­inspected poultry processing facilities to makemembers' birds sellable to retail markets. Foundedin 2004.

Downeast Blueberry Cooperative *(DEBCO)Route 191East Machias, ME 04630A grower­owned cooperative blueberry receivingstation and wholesale distributor. DEBCO had 55active members in 1998. Current membership isunknown.

AGRICULTURAL COOPERATIVES

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Maine Sheep Breeders Association(207) 838­5383thewoolwitch@yahoo.comhttp://www.mainesheepbreeders.netBrandon Woolley, PresidentMSBA is an educational, non­profit organizationdedicated to discussing mutual issues in the sheepindustry, exchanging ideas, and working with theintent of aiding sheep producers and the sheepindustry. The MSBA provides information andeducational opportunities to producers and thepublic and supports sales of raw and spun fleecesand value­added products from its members.

Organic Valley/CROPPCooperativeNew England Regional Office137 Gray Rd.Plainfield , VT 05464(802) 454­8614Maine Contact: Steve Russell, Board Member(207) 872­6533The mission of CROPP Cooperative and its brandOrganic Valley is to create a marketing cooperativewhich promotes regional farm diversity andeconomic stability by means of organic agriculturalmethods and the sale of certified organic products.

Pleasant River Canning Company*P.O. Box 277Columbia Falls, ME 04623(207) 483­2886Harold Tyler, Jr., PresidentIn business since 1916, the company was a canningplant at one time under the Rosemary label. Theyreceive blueberries and sell them exclusively toJasper Wyman’s and Sons. In 1998, the co­op had28 members and 17 non­member growers.

The Organic Dairy Cooperative, Inc.*159 Atkinson Rd.Charleston, ME 04422(207) 564­3635mmorrison@midmaine.comMia Morrison

Western Waldo Farmer's Cooperative(207) 589­3733fuego@riseup.netMaia CampoamorA cooperative association of farmers workingtogether to increase the viability of local foodproduction and to build community food self­sufficiency. They operate a seasonal farmer'smarket in Liberty, Maine.

Winter Cache ProjectP.O. Box 1303Portland, ME 04104wintercache@riseup.nethttp://www.wintercacheproject.orgThe Winter Cache Project (WCP) is a cooperativeurban food project whose mission is "to freeourselves from a dependence on industrialagriculture and to increase our community foodsecurity by developing sustainable local foodsystems." The WCP grows, harvests, and preservesfruit, vegetables, and herbs to build a communityfood cache for the winter months.

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Beals and Jonesport Co­op, Inc.13 Wharf StreetP.O. Box 195Jonesport, ME 04649­0195Phone: (207) 497­2020Fax: (207) 497­2858A producer­owned fishing cooperative specializingin wholesale lobster. Also does small­scale retaillobster sales from the pier. 70 active members.Founded in 1970.

Bremen Lobster Pound Co­op*Keene Neck RoadBremen, ME 04551(207) 529­6455A producer­owned fishing cooperative specializingin wholesale and retail lobster. Also purchases fuelfor members.

Casco Bay Clam Cooperative649 Pinkham Brook RoadDurham, ME 04222(207) 353­7300cascobayclams@suscom­maine.nethttp://www.cascobayclams.comRay Trombley, Vice PresidentCasco Bay Clams was established in 2006 "when aselect group of harvesters decided to combine theirskills and passion to save and recognize the tradeof genuine shell fish harvesting." They are the onlycompany in New England that seeds, harvests,shucks, and sells clams by the bushels and gallons,and the only shellfish cooperative on the EasternSeaboard. 14 members.

Corea Lobster Cooperative, Inc.Crowley Island Road

Corea, ME 04624Phone: (207) 963­7936Fax: (207) 963­3952A producer­owned fishing cooperative specializingin wholesale lobster. 45 active members. Foundedin 1970.

Cranberry Isles Fishermen's Co­opIslesford, ME 04646­0258(207) 244­5438A producer­owned fishing cooperative specializingin wholesale lobster.

Fishermens Heritage Lobster Co­op*Davis PointFriendship, ME 04547(207) 832­6378A producer­owned fishing cooperative specializingin wholesale lobster.

Georgetown Fishermen's Co­op*89 Moores PikeGeorgetown, ME 04548(207) 371­2950A producer­owned fishing cooperative specializingin wholesale lobster.Interstate Lobster Co­op*Ash Point Rd.P.O. Box 269Harpswell, ME 04079­0269Phone: (207) 833­5516Fax: (207) 833­5006A producer­owned fishing cooperative specializingin wholesale lobster.

FISHING COOPERATIVES

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Isle au Haut Lobstermen'sAssociation*69 Island RoadIsle au Haut, ME 04645A producer­owned fishing cooperative specializingin wholesale lobster. Founded in 1984.

New Harbor Fishermen's Co­opNorth Route 32New Harbor, ME 04554Phone: (207) 677­2791Fax: (207) 677­3835A producer­owned fishing cooperative specializingin wholesale lobster. 20 active members. Foundedin the 1970s.

Pemaquid Fishermen's Co­opAssociation32 Co­op RoadPemaquid Harbor, ME 04558Phone: (207) 677­2801Fax: (207) 677­2818Founded in 1947, this producer­owned cooperativeis the oldest lobster co­op in both Maine and theUnited States. With 25 members, the co­opspecializes in wholesale lobster and shrimp andoperates a small seasonal take­out restaurant.

Pine Point Fishermen'sCooperative*96 King StreetP.O. Box 2247Scarborough, ME 04074­2247Phone: (207) 883­3588Fax: (207) 883­6772Lobster8@maine.rr.comA producer­owned fishing cooperative specializingin wholesale lobster.

Port Clyde Draggerman's Co­opP.O. Box 91Port Clyde, ME 04855(207) 372­8065http://www.midcoastfishermen.comKim LibbyThe Draggerman's Co­op is the only producer­owned cooperative of dragger fishermen in Maine.Building on the subscription model of "CommunitySupported Agriculture (CSA)" that has beensuccessful among small organic farmers, the Co­opis currently developing a "Community SupportedFishery" program to distribute fresh shrimp andother fish to "CSF" share­holders in the region.

Port Clyde Fisherman's Co­op*P.O. Box 103Port Clyde, ME 04855(207) 372­8922A producer­owned fishing cooperative specializingin wholesale lobster.

South Bristol Fisherman's Co­op*P.O. Box 63South Bristol, ME 04568(207) 644­8246A producer­owned fishing cooperative specializingin wholesale lobster.

Spruce Head Fisherman's Co­op275 Island Rd.South Thomaston, ME 04838(207) 594­7980A producer­owned fishing cooperative specializingin wholesale lobster.

A Directory of Maine's Cooperative Economy 17

Stonington Lobster CooperativeIndian Point RoadP.O. Box 87Stonington, ME 04681­0087Phone: (207) 367­2286Fax: (207) 367­2802lobstercoop@verizon.netA producer­owned fishing cooperative specializingin wholesale and retail sale of lobster.

Swan's Island Fisherman'sCooperative15 Morse's Hill RoadP.O. Box 116Swans Island, ME 04685Phone: (207) 526­4327Fax: (207) 526­4554Kathy Clark, ManagerA producer­owned fishing cooperative thatpurchases lobster and crabs from members forwholesale and limited retail. Also sells diesel fuel,gasoline and marine supplies. Founded in 1972.

Vinalhaven Fishermen's Co­op11 Main St.

P.O. Box 366Vinalhaven, ME 04863­0366Phone: (207) 863­4373Fax: (207) 863­2724http://www.vinalhavencoop.comFounded in 1974 and owned and operated bylobstermen of Vinalhaven Island. The co­opsupplies the lobstermen with bait and fuel anddistributes their Maine lobsters to customersthroughout the world. It also operates a retail gasstation and provides retail lobsters to walk­incustomers.

Winter Harbor Lobster Cooperative,Inc.23 Pendleton St.P.O. Box 69Winter Harbor, ME 04693Phone: (207) 963­5857Fax: (207) 963­7275Randy Johnson, ManagerA producer­owned fishing cooperative specializingin wholesale lobster, purchased from members.Also sells fuel, bait and fishing supplies tomembers. Founded in 1971.

ARTIST & CRAFT COOPERATIVES

Art Alliance Gallery39 Main St.Belfast, ME 04915(207) 338­9994The Art Alliance Gallery is a an artist­ownedcooperative gallery founded in 2000 and providingan eclectic blend of high quality paintings,drawings, sculpture, baskets and weavings. 10members.

Bar Harbor Artisans*150 Main St.Bar Harbor, ME 04609(207) 288­4584An artist­owned cooperative gallery.

Beehive Design Collective3 Elm StreetMachias, ME 04654

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Beehive Design Collective (cont'd)(207) 255­6737pollinators@beehivecollective.orghttp://www.beehivecollective.orgThe Beehive Collective is an art, education,community­building and collective housingorganization with three major facets: the Hive isappreciated internationally for its educationalgraphics campaigns, at a regional level for its stonemosaic murals and art apprentice program, andlocally for its dedication to the revitalization of theold Machias Valley Grange Hall, a landmarkbuilding in Machias, Maine.

Boothbay Harbor Artisans4 Boothbay House Hill Rd.Boothbay Harbor, ME(207) 633­1152info@nhest.orghttp://www.mainecraftcoop.orgMailing:P.O. Box 218Brooks, ME 04921An artist­owned and run craft cooperative offeringjewelry, stained and painted glass, pottery, carvedwooden birds, laser engraved wood, books, Mainemaple syrup products, bears, painted slates, art inclay and glass, candles, fabric art, painting, andphotography. Open daily, May through October.

Commons Art Collective443 Main St.Norway, ME 04268(207) 743­9579cac@faresharecoop.orghttp://www.faresharecoop.org/cac.htmlEncourages artists with support, interaction andcollaboration and is looking for more membersinterested in original and developing approaches topainting, sculpture, photography, poetry,performance and other arts. Provides opportunities

for discourse among artists and the greatercommunity with exhibitions, presentations andworkshops which are open to the public throughoutthe year. Exhibits members' work at The Commonsat the Fare Share Co­op on Main Street in Norway.26 members.

Island Artisans99 Main St.Bar Harbor, ME 04609(207) 288­4214119 Main St.Northeast Harbor, ME 04662(207) 276­4045info@islandartisans.comhttp://www.islandartisans.comAn artist­owned cooperative with two retail storesin Bar Harbor and Northeast Harbor. Thecooperative has eight members. In addition toshowing members' work, the galleries also showoriginal work from more than 75 other Maineartists. Mediums include pottery, glass, jewelry andmetal sculpture as well as pieces in wood, basketry,paper, and fiber.

Lupine Cottage7 Old Searsport AveBelfast, ME 04915(207) 338­4300Margaret Massessa, General ManagerA cooperative retail store for Maine­made crafts.

Maine Artisans CollectiveAtlantic Avenue (Route 1)P.O. Box 246Lincolnville Beach, ME 04849(207) 789­5376info@nhest.orghttp://www.mainecraftcoop.org/lincoln.htmlArtist­owned and run craft cooperative.

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Maine Potters Market376 Fore St.Portland, ME 04101(207) 774­1633info@mainepottersmarket.comhttp://www.mainepottersmarket.comThe Maine Potters Market has sold diverse stylesof high­quality, hand­made pottery for 25 years inthe historic Old Port district of Portland, Maine. Itis owned and operated by its 15 potter­ members,all of whom live and work in Maine.

Pemaquid Craft Co­op2565 Bristol Rd.New Harbor, ME 04554­4801(207) 677­2077An artist­owned and run gallery.

Pine Tree Treasures1009 Central St.Millinocket, ME 04462(207) 723­ 9609mjbrowncabinetmakers@verizon.netRon PreoAn cooperative showroom featuring regionally­made quilts, wine, cheese, pine and hardwoodfurniture, jewlery, carvings, greeting cards & more.Newly opened in 2008, the co­op has 14 members.

Sawyer Street Studios131 Sawyer StreetSouth Portland, ME 04106(207) 767­4394info@sawyerstreetstudios.comhttp://www.sawyerstreetstudios.comA community of working ceramic artists sharingequipment and ideas, located in Ferry Village,South Portland. Members share the use of fourelectric kilns, one high fire gas kiln, and a raku

kiln, and common space serves as a classroom andprovides equipped shared studio space for fourshort term renters.

Stone Soup Artisans228 Main StreetSaco, ME 04072(207) 283­4715postmaster@stonesoupartisans.comhttp://www.stonesoupartisans.comJoanne Kenyon, ManagerStone Soup Artisans is a cooperative gallery andcrafts store staffed and managed entirely by itsartist­members. Items for sale include jewelry,pottery, wooden crafts, toys, soaps and lotions, andMaine foods. All products in the store are made inMaine. The store is part of The Society of SouthernMaine Craftsmen, Maine’s oldest juried craftorganization, and everyone who sells their crafts inthe store must first be juried into the Society.

SugarWood Gallery248 Broadway St.Farmington, ME 04938Phone: (207) 778­9105Toll­Free: (866) 784­2715info@sugarwoodgallery.comhttp://www.sugarwoodgallery.comChris KraussSugarWood Gallery is a cooperative gallery ownedand managed by ten Maine artisans and woodproducts manufacturers. Opened in 2001, thegallery sells fine wooden home furnishings,accessories and giftware.

The Peregrine PressThe Bakery Studios61 Pleasant St.Portland, ME 14101(207) 761­8226otoolehayman@gmail.comMary O'Toole Hayman, Co­President

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Peregrine Press (cont'd)Peregrine Press was founded in 1991 as a non­profit, fine arts printmaking cooperative inPortland, Maine. Peregrine Press is the only suchcooperative in Maine, and among the few of itskind in the nation. An elective board runs thestudio, and meetings are held three times a year forthe full membership to organize events, workshops,and to elect new officers. There are 30 members inthe cooperative. The space is available to membersanytime to practice a variety of printmakingtechniques such as collograph, woodcut, monotype,etching, photo­etching and other mixed mediaprocesses.

Three Bags Full762 Violette Settlement Rd.Fort Kent, ME 04743(207) 834­5252three_bags_full@yahoo.comStacy Martin, Founder/Organizer

A production knitting & weaving cooperative,connecting members with Maine farms to fulfillorders for knitted goods. The cooperative connectsknitters with contractors and the knitters are paiddirectly. 6 members.

Waldo County Craft Co­opRoute 1, Searsport, ME 04974(207) 548­6686maineresidentartists@maine­web.comhttp://www.maine­web.comAn artist­owned and run gallery.

Water Street Artists At Stable Gallery42 Water St.Damariscotta, ME 04543(207) 563­6440roz@studioroz.comAn artist­owned and run gallery.

PUBLISHING COOPERATIVES

Alice James Poetry Cooperative238 Main StreetFarmington, ME 04938Phone: (207) 778­7071Fax: (207) 778­7071ajb@umf.maine.eduhttp://www.alicejamesbooks.orgApril Ossmann, Executive DirectorAlice James Books is a nonprofit cooperativepoetry press whose mission is to seek out andpublish the best contemporary poetry by bothestablished and beginning poets, with particularemphasis on involving poets in the publishingprocess. Founded in 1973 in Massachusetts, itmoved to Maine in 1994 to affiliate with theUniversity of Maine's writing program.

Maine Authors Publishing479 Main St.Suite 201Rockland, ME 04841(207) 594­0091info@custommuseumpublishing.comCooperative book marketing and self­publishingfor authors in Maine.

A Directory of Maine's Cooperative Economy 21

Crown O' Maine Organic CooperativeP.O. Box 565Madawaska, ME 04756Phone: (207) 895­2245Toll­Free: (800) 743­7783comoc@207me.comhttp://www.crownofmainecoop.comJim Cook, DirectorDedicated to serving Maine since 1995, Crown O’Maine distributes locally grown produce across thelength and breadth of Maine. COMOC welcomesbuying clubs, restaurants, or neighborhood retailestablishments to a garden of earthly delightsproduced by your local farmers, fishermen, andartisans. COMOC is currently re­structuring itsbusiness as a worker­owned cooperative.

Local Sprouts Cooperative644 Congress StreetPortland, ME 04101(207) 899­9607food@localsprouts.orghttp://www.localsprouts.orgJonah Fertig, worker­ownerHanifa Washington, worker­ownerThe mission of Local Sprouts is to "providecreative local and organic food to people and non­profit organizations in Maine and to growopportunities for youth, elders and immigrants toholistically learn through cooking food for ourcommunity." The group caters events andmeetings, coordinates food for community andfundraising dinners, teaches and shares about localfoods, and distributes local foods to communitygroups and food pantries.

WORKER COOPERATIVES

Worker Cooperatives are businesses owned and run by their employees. Worker­owners share in both therisks and the benefits of owning the business together. Most worker cooperatives involve some form ofinvestment (or "buy­in") on the part of new worker­owners. Accordingly, yearly profits not reinvested inthe cooperative are paid out to members in the form of dividends (called "patronage"). There are morethan 200 worker cooperatives in the United States, many of whom are members of the U.S. Federation ofWorker Cooperatives. For more information, visit http://www.usworker.coop.Worker Cooperatives are distinct from the more common form of employee ownership known as theESOP (Employee Stock Ownership Plan). In an ESOP, employees own shares of the company's stock.While some ESOPs divide stock equally among all employees and thus function more like cooperatives,many function more like traditional stock corporations in which the level of stock ownership is unevenamong employees (who often own less than 50% of the total shares) and this translates to uneven decision­making power over the long­term future of the company. Worker cooperatives do not issue "stock," rather,all worker­owners own the business in equal parts and decisions are made on a "one member, one vote"basis.There are four businesses in Maine in which workers are cooperative owners. Two of them are structured(or currently structuring) as traditional worker cooperatives. The two others have more complexownership structures and are listed under "Multi­Stakeholder Cooperatives" below.

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MULTI-STAKEHOLDER COOPERATIVES

Fedco Seeds, Inc.P.O. Box 520Waterville, ME 04903­0520Phone: (207) 873­7333Fax: (207) 872­8317http://www.fedcoseeds.comFedco is a worker and consumer­owned cooperativeoffering a large selection of certified organic seeds,tubers and bulbs; fruit, nut and ornamental trees andshrubs; and quality organic growing supplies.Consumers own 60% of the cooperative and worker­members 40%. Consumer and worker membersshare proportionately in the cooperative’s profitsthrough our annual patronage dividends. Foundedin 1979.

Justice ClothingP.O. Box 279Bangor, ME 04402­0279Phone: (207) 941­9912Toll­free: (888) 661­0620Fax: (207) 941­9913info@justiceclothing.comhttp://www.justiceclothing.comEric Odier­FinkJustice Clothing's mission is to support democraticprinciples, workers' rights and economicsustainability through the sale and distribution ofapparel made by union workers in the UnitedStates and Canada. Ownership of the cooperative isshared among employees, volunteer members andinvestors. The business is managed democraticallyby an elected Board which includes representativesfrom all membership types. Most sales are online.

Multi­Stakeholder Cooperatives, also called "Hybrid Co­ops" involve ownership by more than one typeof member. Such co­ops can include any combination of consumers, producers, workers and/or membersof the broader community in which the business or institution is located. In Quebec, the term "SolidarityCooperative" is reserved for special co­ops in which all stakeholders involved in the production,distribution and consumption cycle share co­op membership. Multi­Stakeholder cooperatives offerexciting possibilities for bringing together diverse groups with sometimes divergent interests for thedemocratic decision­making about equitable ways to meet the needs of everyone involved.

FINANCIAL COOPERATIVES

Financial Cooperatives are, essentially, a form of consumer cooperative. We chose to include them as aseparate category because of their distinctive history and strong presence in the economic life of Maineand the United States in general. Few people realize that the banks called "credit unions" are actually non­profit, member­owned cooperatives.Credit Unions are some of the oldest cooperative institutions in the United States, and for many peopleand communities­­particularly in low­income urban and rural areas­­they offer the only reliable source forfinancial services such as loans and long­term savings and investment.Nearly 55% of the financial institutions operating in Maine are cooperatives.

A Directory of Maine's Cooperative Economy 23

Acadia Federal Credit Union9 East Main St.Fort Kent, ME 04743­1398Phone: (207) 834­6167Toll­Free: (888) 834­6167Fax: (207) 843­6190fortkent@acadiafcu.orghttp://www.acadiafcu.orgFull service banking for the residents of northernAroostook County.Branch Locations:90 Main St.Madawaska, ME 04756Phone: (207) 728­4121Fax: (207) 728­7029madawaska@acadiafcu.org907 Main St.St. Francis, ME 04774Phone: (207) 398­3492Fax: (207) 398­3492stfrancis@acadiafcu.org

Alliance of Maine Federal Credit Union44 Edison DriveAugusta, ME 04330Phone: (207) 623­1134Fax: (207) 626­9827memberservices@allofmainecu.orghttp://www.allofmainecu.orgThe Alliance of Maine Federal Credit Union hasbeen serving the employees of Central MainePower and its subsidiaries since 1936. Employeesof EnergyEast, E­Pro, FPL of Maine, SpurwinkInstitute, xwave of New England, G&E Roofing,The Collaborative School and Boulos PropertyManagement are also eligible for membership.Branch Locations:

162 Canco RoadPortland, ME 04103­421960 Pineland DriveAuburn Hall, Suite 107New Gloucester, ME 04260­5124

Atlantic Regional Federal Credit Union55 Cushing St.P.O. Box 188Brunswick, ME 04011­0188Phone: (207) 725­8728Toll­Free: (800) 834­0432Fax: (207) 725­1290info@atlanticregional.comhttp://www.atlanticregional.comFounded in 1941 and serving all of Cumberlandand Sagadahoc County, Atlantic Regional FCU'smission is "to provide quality, competitivefinancial services for our members."Branch Locations:41 Mallett DriveFreeport, ME 04032­05063 Union Park RoadTopsham, ME 04086­0327

Bangor Federal Credit Union339 Hogan RoadP.O. Box 1161Bangor, ME 04402­1161Phone: (207) 947­0374Toll­Free: (800) 540­0374Fax: (207) 990­0759http://www.bangorfcu.comBangor Federal Credit Union is a cooperativefinancial institution with the mission of providing"a professional, friendly, and competitivealternative resource for financial services."

CREDIT UNIONS

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Bangor Federal Credit Union (cont'd)Membership is open to anyone who lives, works,worships, volunteers or attends school in PenobscotCounty.Branch Locations:601 Hammond StreetBangor, ME 044026 Dirigo Drive, P.O. Box 362Brewer, ME 04412Phone: (207) 989­0520Fax: (207) 989­0521

Bangor Hydro Federal Credit Union115 Mecaw Rd.Hampden, ME 04444Phone: (207) 945­6264Toll­Free: (800) 974­4475Fax: (207) 941­1145info@bangorhydrofcu.comhttp://www.bangorhydrofcu.comA member­owned financial institution.

Blue Cross Blue Shield of MaineEmployees Federal Credit Union2 Gannett DriveSouth Portland, ME 04106(207) 822­7483(207) 822­7603cburke@bluecrosscu.comwww.bluecrosscu.comCynthia Burker, ManagerA member­owned financial institution founded in1958 and serving employees of Blue Cross BlueShield of Maine and their families.

Brewer Federal Credit Union77 North Main StreetP.O. Box 189

Brewer, ME 04412­0189Phone: (207) 989­7240Toll­Free: (888) 238­6976 (both locations)Fax: (207) 989­3440brewerfcu@midmaine.comThe primary mission of Brewer Federal CreditUnion is to provide quality service to its members.Every member is an owner and ownership isshared equally among all members. Founded in1960.Branch Location:229 Dirigo Dr.Brewer, ME 04412Phone: (207) 989­7240Fax: (207) 989­5985

Capital Area Federal Credit Union2010 North Belfast AveP.O. Box 2626Augusta, ME 04338­2626Phone: (207) 622­3442Fax: (207) 623­2276support@capitalareafcu.orghttp://www.capitalareafcu.orgA member­owned financial institution.

Casco Federal Credit Union375 Main StreetP.O. Box 87Gorham, ME 04038­0087Phone: (207) 839­5588Toll­Free: (888) 395­5588Fax: (207) 839­5413info@cascofcu.comhttp://www.cascofcu.comA member­owned financial institution founded in1954 and serving people who live, work, worshipor attend school in Cumberland County. CascoFederal Credit Union "is committed to meeting itsmembers' financial needs and exceeding theirexpectations."

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Central Maine Federal Credit Union1000 Lisbon St.P.O. Box 1746Lewiston, ME 04241­1746Phone: (207) 783­1475Fax: (207) 777­1914info@centralmainecu.comhttp://www.centralmainecu.comA member­owned financial institution withmembership open to persons who live, work,worship, or attend school in Androscoggin County.

Coast Line Credit Union333 Cottage RoadSouth Portland, ME 04106­3919Phone: (207) 799­7245Toll­Free: (800) 660­9494Fax: (207) 799­9FAXinfo@coastlinecu.comhttp://www.coastlinecu.comCoast Line Credit Union, founded in 1927, is a full­service financial institution offering a wide varietyof savings and loan products for its members.Membership is open to all persons who live, work,worship or attend school in Cumberland County,employees of three railroad companies, and theirfamily members.

Community Credit Union144 Pine StreetLewiston, ME 04240Phone: (207) 783­2096Fax: (207) 783­2093info@communitycreditunion.comhttp://www.communitycreditunion.comFull service banking for the residents ofAndroscoggin County from two locations andonline.Branch Office:40 Stanley StreetAuburn, ME 04210

Phone: (207) 783­2096Fax: (207) 783­2064

cPort Credit Union50 Riverside Industrial ParkwayP.O. Box 777Portland, ME 04104Phone: (207) 878­6200Toll­Free: (800) 464­0253Fax: (207) 878­6211info@cportcu.orghttp://www.cportcu.orgA member­owned financial institution servinggovernment employees and military personnel.Branch Locations:22 Western Ave.Augusta, ME 04330Phone: (207) 623­1001Fax: (207) 623­3639313 US Route 1Scarborough, ME 04074Phone: (207) 883­2448Fax: (207) 883­0332

Cumberland County Teachers FederalCredit Union101 Gray RoadFalmouth, ME 04105Phone: (207) 878­3441Fax: (207) 878­5327http://www.cctfcu.comCCFCU is a member­owned financial institution"committed to serving teachers, municipalemployees and their families with a servicestandard that is superior to other financialinstitutions."Branch Locations:1345 Washington Ave.Portland, ME 04103

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Cumberland County Teachers FCU (cont'd)Phone: (207) 797­6492Fax: (207) 797­7470808 Roosevelt Tr.Windham, ME 04062Phone: (207) 892­3359Fax: (207) 892­410915 Main St.Gray, ME 04039Phone: (207) 657­4777Fax: (207) 657­6352Vocational Dr, WRVCWestbrook, ME 04092Phone: (207) 854­9850Fax: (207) 854­9844

Downeast Credit Union23 Third AvenueP.O. Box 130Baileyville, ME 04694Phone: (207) 427­3333Toll­Free: (800) 427­1223Fax: (207) 427­3808member@downeastcu.comhttp://www.downeastcu.comDown East Credit Union is a full service financialinstitution serving all who live, work, worship,attend school, or conduct business in Maine'sWashington, Waldo, Hancock, Penobscot, Lincoln,Kennebec, Sagadahoc, and Knox counties, as wellas the towns of Brunswick and Harpswell inCumberland County. Founded in 1941.Branch Locations:124 Main Street, P.O. Box 189Machias, ME 04654Phone: (207) 255­0172Toll­Free: (800) 823­8346Fax: (207) 255­075692 Lincolnville AvenueBelfast, ME 04915

Phone: (207) 338­0043Toll­Free: (877) 925­3628Fax: (207) 338­471258 School Street, P.O. Box 760Unity, ME 04988Phone: (207) 948­2060Toll­Free: (877) 850­2062Fax: (207) 948­206824 Springer Drive, Suite 111Bangor, ME 04401Phone: (207) 990­5444Toll­Free: (866) 792­5123Fax: (207) 990­5458295 North Street, Suite 2Calais, ME 04619Phone: (207) 454­8940Toll­Free: (866) 455­8940Fax: (207) 454­8943150 Main St, Suite 16Richmond, ME 04357Phone: (207) 737­4037Toll­Free: (877) 747­4037Fax: (207) 737­4048;20 Main StreetBowdoinham, ME 04008Phone: (207) 666­5612Toll­Free: (877) 666­5612Fax: (207) 666­5609

Eastern Maine Medical Center FederalCredit Union489 State StreetBangor, ME 04401Phone: (207) 973­7130Fax: (207) 973­7134emmcfcu@emmcfcu.orghttp://www.emmcfcu.orgEastern Maine Medical Center FCU is a member­owned organization, organized in 1979, whichprovides a full range of financial services foremployees of EMMC and/or any of its affiliatecompanies and their families.

A Directory of Maine's Cooperative Economy 27

Branch Locations:849 Stillwtater Ave.Bangor, ME 04401Phone: (207) 945­3632Fax: (207) 945­079343 Whiting Hill Rd.Brewer, ME 04412Phone: (207) 973­5189Fax: (207) 973­5191

Eastmill Federal Credit Union60 Main StreetEast Millinocket, ME 04430Phone: (207) 746­3428Fax: (207) 746­5881info@eastmillfcu.orghttp://www.eastmillfcu.orgEastmill Federal Credit Union is a non­profit,member­owned financial organization providingeducation and financial services in a personalized,convenient, friendly, and professional manner,while maintaining financial stability. Founded in1954.Branch Location:4 Church St.P.O. Box 481Patten, ME 04765Phone: (207) 528­6222Fax: (207) 528­6224

Evergreen Credit Union225 Riverside StreetPortland, ME 04103­1038Phone: (207) 221­5000Fax: (207) 221­5017http://www.evergreencreditunion.orgEvergreen Credit Union is one of Maine’s largestcredit unions, serving all of Cumberland County.Branch Locations:

799 BroadwaySouth Portland, ME 04106­2755Phone: (207) 799­0074Fax: (207) 741­2583337 Ocean House RoadCape Elizabeth, ME 04107Phone: (207) 767­2501Fax: (207) 767­2652Rt. 302, CausewayNaples, ME 04055Phone: (207) 693­4222Fax: (207) 693­4178785 Roosevelt TrailWindham, ME 04062Phone: (207) 892­4690Fax: (207) 892­4058

Five County Credit Union765 Washington StreetP.O. Box 598Bath, ME 04530­0598Phone: (207) 443­3528Toll­Free: (800) 750­0959 (all locations)Fax: (207) 443­8177webmaster@fivecounty.comhttp://www.fivecounty.comFive County Credit Union, founded by theemployees of Bath Iron Works in 1956, servesthose who live, work, or worship in the counties ofAndroscoggin, Cumberland, Kennebec, Lincoln,Sagadahoc, Somerset, Waldo & Knox counties.Branch Locations:30 Landing Rd. (inside Wal­Mart)Windham, ME 04062Fax: (207) 892­129780 Waterville Commons Dr. (in Wal­Mart)Waterville, ME 04901Fax: (207) 680­220945 Ash St.Lewiston, ME 04243

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Five County Credit Union (cont'd)Fax: (207) 689­2154Wal­Mart SupercenterAugusta, ME 04333Fax: (207) 620­71043 Hamilton Court, Route 196 BypassTopsham, Maine 04086Fax: (207) 721­855519 Commercial St.Portland, Maine 04101Fax: (207)774­1667223 U.S. Route 1Falmouth, Maine 04105Fax: (207)781­7662100 Mount Auburn Ave. (inside Wal­Mart)Auburn, Maine 04210Fax: (207) 689­2094710 Main StreetRockland, Maine 04841Fax: (207) 596­7627

Franklin­Somerset Federal Credit Union485 Wilton Rd.Farmington, ME 04938Phone: (207) 778­4452Toll­Free: (800) 339­3228Fax: (207) 474­0709http://www.f­sfcu.comA member­owned financial institution withmembership is open to persons who live, work,worship, or attend school in Franklin and Somersetcounties.Branch Locations:26 Leavitt St.Skowhegan, ME 04976476 Main St.Kingfield, ME 04947

20 Main St.Madison, ME 04950

Gardiner Federal Credit Union10 Old Brunswick RoadGardiner, ME 04345Phone: (207) 582­2676Toll­Free: (800) 464­2425Fax: (207) 582­3108info@gardinerfcu.orghttp://www.gardinerfcu.orgA non­profit financial cooperative established in1953, Gardiner FCU serves anyone who lives,works, worships, or attends school in KennebecCounty, Lincoln County, or the towns of Richmondand Palermo. 3,000 members.

Great Falls Regional Federal CreditUnion34 Bates StreetLewiston, ME 04240Phone: (207) 782­7192Fax: (207) 782­5501http://www.greatfallsfcu.comA Central Maine­based credit union whose missionis "to offer our members quality financial productsand services at affordable and competitive rateswhile maintaining financial stability."Branch Location:760 Minot Ave.Auburn, ME 04210(207) 753­0500

Health First Federal Credit Union9 Quarry Rd.Waterville, ME 04901Phone: (207) 877­9474Toll­Free: (800) 946­2463Fax: (207) 877­6615memberservices@healthfirstdcu.org

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http://www.healthfirstfcu.orgHealthFirst Federal Credit Union is a member­owned organization, which provides a broad rangeof personalized financial services to all ofKennebec and Somerset Counties.Branch Location:3 Catherine St.Augusta, ME 04330Phone: (207) 622­9898Fax: (207) 622­9848

Houlton Federal Credit Union13 Market SquareHoulton, ME 04730Phone: (207)532­7658Fax: (207) 532­7325http://www.houlton.net/hfcu.htmA member­owned financial organization serving theHoulton area.

Howland Enfield Federal Credit Union4 Coffin Street, P.O. Box 405Howland, ME 04448­0405Phone: (207) 732­3686Fax: (207) 732 4874gjbragdon@howlandenfieldfcu.comhttp://www.howlandenfieldfcu.comGary Bragdon, ManagerThe Howland­Enfield FCU is a member­owned fullservice financial institution, serving Howland andthe surrounding areas. Founded in 1961, the creditunion is "committed to offering the highest level ofservice possible, at the best possible rates."

Infinity Federal Credit Union202 Larrabee RoadP.O. Box 9742Portland, ME 04104Phone: (207) 854­6000Toll­Free: (800) 499­8401

Fax: (207) 854­6054http://www.infinityfcu.comA non­profit financial institution owned by itsmembers whose mission is "to provide and serveall members with useful, competitive andefficiently delivered quality financial services,while meeting the changing social, economic, andcultural needs of our members." Founded in 1921,this is the oldest credit union in Maine.Branch Locations:4 Davis Farm RoadPortland, ME 04103Phone: (207) 854 6000Fax: (207) 854 6074193 Broad Street, Suite 1Bangor, ME 04401Phone: (207) 945 4284Fax: (207) 945 4857

Katahdin Federal Credit Union1000 Central StreetMillinocket, ME 04462Phone: (207) 723­9718Toll­Free: (800) 451­9145 (all locations)Fax: (207) 723­8426support@katahdinfcu.orghttp://www.katahdinfcu.orgA non­profit, member­owned financial institutionfounded in 1954 and seeking to "go the extra mileto exceed members' expectations."Branch Location:P.O. Box 330Island Falls, ME 04747Phone: (207) 463­3661Fax: (207) 723­8426

KSW Federal Credit Union222 College AvenueWaterville, ME 04901Phone: (207) 872­5602

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KSW FCU (cont'd)Toll­Free: (800) 924­5454Fax: (207) 872­5776http://www.kswfcu.orgdeseree@adelphia.netDeseree Gilman, ManagerKSW offers it's membership a broad range offinancial services. Membership is open to thosewho live, work, worship, volunteer, or attendschools in Kennebec or Somerset Counties and thetowns of Belmont, Brooks, Jackson, Knox, Liberty,Monroe, Montville, Morrill, Searsmont, Swanville,and Waldo.Branch Location:135 Waldo Ave.Belfast, ME 04915­6909Phone: (207)338­5160Fax: (207)338­6129

KV Federal Credit Union316 West River RoadAugusta, ME 04330Phone: (207) 623­5171Fax: (207) 626­2853aassistant@kvfcu.orghttp://www.kvfcu.orgA full service financial institution with over 8,300members living, working, attending school orchurch in Kennebec and Somerset counties.Founded in 1962.Branch Location:35 Oak St.Oakland, ME 04963Phone: (207) 465­4423Fax: (207) 465­9456

Lewiston Municipal Federal Credit Union291 Pine StreetP.O. Box 60Lewiston, ME 04243­0060Phone: (207) 783­3991

Fax: (207) 783­4178 (call first)lewistoncu@midmaine.comhttp://www.lewistoncu.comLewiston Municipal FCU is a full service, member­owned federal credit union serving the employeesof the City of Lewiston, the Lewiston SchoolDepartment, and other select employee groups andtheir families.

Lincoln Maine Federal Credit Union17 West BroadwayP.O. Box 220Lincoln, ME 04457­0220Phone: (207) 794­8623Fax: (207) 794­8187http://www.lincolnmainefcu.comA member­owned, full service financial institution.

Lisbon Community Federal CreditUnion325 Lisbon RoadP.O. Box 878Libson, ME 04250­0878Phone: (207) 353­4144Toll­Free: (877) 353­4144Fax: (207) 353­7615memberservices@lisboncu.orghttp://www.lisboncu.orgA member­owned cooperative whose mission is"to be the primary financial institution for allMembers through continuous improvement,personalized service and competitive productswhile remaining financially secure." Members mayinclude persons who live, work, worship, or attendschool in, and businesses and other legal entitieslocated in Lewiston, Auburn, Durham, Lisbon,Sabattus, Bowdoin, Topsham, and Pownal.Founded in 1959.

Maine Education Credit Union15 University Drive

A Directory of Maine's Cooperative Economy 31

P.O. Box 1096Augusta, ME 04432­1096Phone: (207) 623­3857Toll­Free: (800) 464­3773Fax: (207) 622­7258mecu@maine­edcu.orghttp://www.maine­edcu.orgThe Maine Education Credit Union was founded in1967 to provide an alternative to "for profit"banking for educators who otherwise would nothave had access to a financial cooperative. Assetsnow exceed $20M and the credit union servicesnearly 4,300 members.

Maine Family Federal Credit Union555 Sabattus StreetLewiston, ME 04240Phone: (207) 783­2071Toll­Free: (800) 783­2071Fax: (207) 786­8765http://www.mainefamilyfcu.comA full service financial institution serving over17,000 members in Androscoggin County. Foundedin 1938.Branch Location:831 Minot Ave.Auburn, ME 04210

Maine Highlands Federal Credit Union73 Main St., P.O. Box 233Dexter, ME 04930Phone: (207) 924­5544Toll­Free: (888) 806­6920Fax: (207) 924­7527http://www.mainehighlandscreditunion.comA member­owned cooperative whose purpose is "toprovide personal service and shared value, whilemaintaining its financial stability and integrity."Founded in 1966, the credit union has grown toover $51 million in assets.Branch Locations:

23 Hudson Ave., P.O. Box 697Guilford, ME 04443Phone: (207) 876­4041Fax: (207) 876­3701Rt. 15 & 16, P.O. Box 507Dover­Foxcroft, ME 04426Phone: (207) 564­8644Fax: (207) 564­3920Rt. 15, Indian Hill Plaza, P.O. Box 1267Greenville, ME 04441Phone: (207) 695­0316Fax: (207) 695­8939

Maine Media Federal Credit Union390 Congress StreetPortland, ME 04101Phone: (207) 774­4307Fax: (207) 791­6692mmfcu@mainemedia.comhttp://www.mainemedia.comFounded in 1935, Maine Media FCU is the oldestfederal credit union in Maine and is chartered toservice the employees of the Press Herald andEvening Express.

Maine Savings Federal Credit Union101 Western AveP.O. Box 347Hampden, ME 04444Phone: (207) 862­6500Fax: (207) 862­6502memberservice@mainesavings.comhttp://www.mainesavings.comA full­service credit union whose mission is "to bea safe, sound and secure organization providingexceptional financial solutions and extraordinaryservice as the preferred financial insitution for allmembers."Branch Locations:122 Park St., P.O. Box 447

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Maine Savings FCU (cont'd)Milo, ME 04443Phone: (207) 943­2134Fax: (207) 943­7301Twin City PlazaBrewer, ME 04412Phone: (207) 989­4112Fax: (207) 989­4469671 Broadway St.Bangor, ME 04401Phone; (207) 942­3915Fax: (207) 992­2782868 Hammond St.Bangor, ME 04401Phone: (207) 942­3914Fax: (207) 992­2696500 Main Road, P.O. Box 247Corinth, ME 04427Phone: (207) 285­3365Fax: (207) 285­336325 Resort Way, P.O. Box 647Ellsworth, ME 04605Phone: (207) 667­8502Fax: (207) 667­1263Jackson Laboratory600 Main StreetBar Harbor, ME 04609Toll­Free: (800) 273­6700, ext. 2500912 Main Street, P.O. Box 189North Vassalboro, ME 04962Phone: (207) 873­0886Fax: (207) 873­0106

Maine State Employees Credit Union200 Capitol St.P.O. Box 5659Augusta, ME 04332­5659Phone: (207) 623­1851Toll­Free: (800) 540­8707Fax: (207) 620­8485

contactus@msecu.orghttp://www.mainestatecu.orgA member­owned and controlled cooperativefounded in 1935 whose mission is to providequality, cost­effective services, promote thriftamong members, and provide a source of credit forloans to members. MSECU is dedicated toproviding a full range of quality financial servicesto our members with convenient and easy access,while maintaining a sound financial position.Branch Locations:162 Hospital St.Augusta, ME 04330Phone: (207) 621­6060Fax: (207) 621­607250 Elm St.Waterville, ME 04901Phone: (207) 873­5159Fax: (207) 873­5150

Midcoast Federal Credit Union831 Middle St.Bath, ME 04530Phone: (207) 443­5531Toll­Free: (877) 964­3262Fax: (207) 443­4827midcoast@gwi.nethttp://www.midcoastfcu.netA not­for­profit cooperative, owned by itsmembers who are residents, relatives, or peopleemployed in numerous locations throughout theMidcoast Region of Maine. Founded in 1956, itsmission is "to be the primary financial institutionfor our members by offering personal and cost­effective services."Branch Locations:210 Maine St.Brunswick, ME 04011Phone: (207) 729­8737Fax: (207) 729­8738

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Route 1, P.O. Box 107Thomaston, ME 04861Phone: (207) 594­7775Fax: (207) 594­7773P.O. Box 73Edgecomb, ME 04556Phone: (207) 882­7919Fax: (207) 882­7834

Monmouth Federal Credit Union1176 Main St.Monmouth, ME 04259Phone: (207) 933­2667Fax: (207) 933­3261info@monmouthfcu.comhttp://www.monmouthfcu.comMember owned, not­for­profit organization formedin 1956 and serving the communities of Monmouth,Wales, Leeds, Litchfield, Greene, and Turner. Itsmission is "to be our members primary financialinstitution by promoting savings and by providingpersonalized, quality services at fair and reasonablerates while maintaining financial stability."

New Dimensions Federal Credit Union61 Grove StreetWaterville, ME 04901(207) 872­2771http://www.newdimensionsfcu.comA member­owned and controlled cooperativeserving persons who live, work, worship, or attendschool in, and businesses and other legal entitieslocated in the counties of Kennebec and Somerset,Maine. Its mission is to "provide our members withexcellent benefits and services while promoting theuniqueness of the credit union philosophy."

Norstate Federal Credit Union78 Fox StreetMadawaska, ME 04756Phone: (207) 728­7555

Toll­Free: (800) 804­7555Fax: (207) 728­6731nfcu@norstatefcu.orghttp://www.norstatefcu.orgA credit union whose goals is to be "the mostvalued, respected and progressive provider offinancial services to all residents of AroostookCounty and Northern Penobscot County." Founded1941.Branch Locations:156 Main St.Van Buren, ME 04785Phone: (207) 868­5484Fax: (207) 868­2860vanburen@norstatefcu.org333 Aroostook Rd., P.O. Box 367Eagle Lake, ME 04739Phone: (207) 444­4545Fax: (207) 444­4540elake@norstatefcu.org23 Station St., P.O. Box 532Ashland, ME 04732Phone: (207) 435­2176Toll­Free: (800) 489­2176Fax: (207) 435­2177ashland@norstatefcu.org164 Market St., P.O. Box 399Fort Kent, ME 04743Phone: (207) 834­3232Fax: (207) 834­2625fortkent@norstatefcu.org

Nissen Employees Federal Credit Union*56 Washington St.Portland, ME 04101­2694A member­owned organization providing financialservices for employees of Nissen and theirfamilies.

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Ocean Communities Federal Credit UnionOne Pool StreetP.O. Box 1961Biddeford, ME 04005­1961Phone: (207) 284­5918Toll­Free: (800) 418­1486Fax: (207) 282­8273info@oceancommunities.comhttp://www.oceancommunities.comA non­profit, financial cooperative serving peoplewho live or work in most communities in York orCumberland counties and their families. Founded in1948, it has more than 15,000 members.Branch Locations:Shopper's Village, 55 Portland Rd., P.O. Box 37Kennebunk, ME 04043Phone: (207) 985­5722Toll­Free: (800) 231­2224Fax: (207) 985­57252 Cascade Road, P.O. Box 304Old Orchard Beach, ME 04064Phone: (207) 934­2445Toll­Free: (888) 877­2445Fax: (207) 934­3026York Village Business CenterYork, ME 03909Phone: (207) 361­6050Toll­Free: (800) 418­1486Fax: (207) 363­570248 Alfred RoadSanford, ME 04073Phone: (207) 324­1350Toll­Free: (800) 230­1350Fax: (207) 490­5123

Otis Federal Credit Union170 Main StreetP.O. Box 27Jay, ME 04239­0027Phone: (207) 897­0900Toll­Free: (800) 848­3688

Fax: (207) 897­3927info@otisfcu.orghttps://www.otisfcu.coopA non­profit, member­owned financialcooperative, founded in 1954, whose mission is "towork together with members to achieve totalsatisfaction."

Oxford Federal Credit Union225 River Rd.P.O. Box 252Mexico, ME 04257Phone: (207) 369­9976Toll­Free: (800) 991­9219Fax: (207) 364­8962oxford@ofcu.orghttp://www.ofcu.orgOxford Federal Credit Union, founded in 1938, is amember­owned, full­service financial institutionwhose mission is to provide members withpersonalized, quality service while assisting themin achieving financial success. OFCU serves over15,000 members in western Maine.Branch Location:1591 Main StreetOxford, ME 04270Phone: (207) 743­2638Toll­Free: (800) 991­9219Fax: (207) 743­7138

Penobscot County Federal Credit Union205 Main StreetP.O. Box 434Old Town, ME 04468­0434Phone: (207) 827­3165Fax: (207) 827­6674http://www.penobscotfcu.comA full­service member­owned financial institution,founded in 1968, with over 7,000 members andassets over $36 million.

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Peoples Choice Federal Credit Union23 Industrial Park Rd.Saco, ME 04072Phone: (207) 282­4156Toll­Free: (877) 785­6328Fax: (207) 282­1735info@peopleschoicecreditunion.comhttp://www.peopleschoicecreditunion.comA cooperative non­profit financial institutionchartered in 1963.Branch Locations:35 Bradbury StreetBiddeford, ME 04005Phone: (207) 284­2448Fax: (207) 284­2498369 Elm StreetBiddeford, ME 04005Phone: (207) 284­8483Fax: (207) 282­864739 Country Club RoadSanford, ME 04073Phone: (207) 490­2000Fax: (207) 490­2058774 Post Road, Route 1Wells, ME 04090Phone: (207) 646­2597Fax: (207) 646­3498

Portland Maine Police DepartmentFederal Credit Union109 Middle StreetPortland, ME 04101Phone: (207) 773­0726Fax: (207) 774­6749A member­owned financial institutions servingemployees of the Portland Police Department andtheir families.

Portland Maine Transit Federal CreditUnion2 Frank Savage RoadHollis, ME 04042(207) 797­3907A member­owned financial institutions servingemployees of METRO (Greater Portland TransitDistrict).

Rainbow Federal Credit Union381/391 Main St.P.O. Box 741Lewiston, ME 04243­0741Phone: (207) 784­5435Toll­Free: (800) 281­5435Fax: (207) 786­0495info@rainbowfcu.comhttp://www.rainbowfcu.comA full service credit union serving all ofAndroscoggin and Oxford Counties as well as NewGloucester. Founded in 1956.Branch Locations:20 Washington StreetAuburn, MEPhone: (207) 783­0351Fax: (207) 786­0523One Lewiston StreetMechanic Falls, MEPhone: (207) 346­3001Fax: (207) 346­3012172 Pine StreetSouth Paris, MEPhone: (207) 743­5410Fax: (207) 743­9331201 Lincoln StreetLewiston, MEPhone: (207) 784­4762Fax: (207) 783­8024

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Riverview Federal Credit Union35 Bridge St., Ste. 4Gardiner, ME 04345Phone: (207) 582­7352Fax: (207) 588­0304riverview@verizon.netA full­service, member­owned financial institution.

Rumford Community Hospital CreditUnion420 Franklin StreetRumford, ME 04276(207) 369­1148A credit union for employees of RumfordCommunity Hospital and their families.

Saco Valley Credit Union312 Main St.P.O. Box 740Saco, ME 04072Phone: (207) 282­6169Toll­Free: (877) 960­2274Fax: (207) 282­1601svcu@sacovalley.orghttp://www.sacovalley.orgA member owned financial institution whosemission is "to provide quality financial services toour communities in a personal, friendly andefficient manner, while maintaining financialstability."Branch Locations:500 Main St.Saco, ME 04072Phone: (207) 286­3638Fax: (207) 282­3126860 Main St.Waterboro, ME 04087Phone: (207) 247­6000Fax: (207) 247­2805

Saint Agatha Federal Credit Union315 Main StreetP.O. Box 130Saint Agatha, ME 04772(207) 543­7383(207) 543­7811http://www.stagathafcu.comFounded in 1952, St Agatha FCU servesindividuals, businesses, organizations and familiesin the St. Agatha area.

Seaboard Federal Credit Union177 Main StreetP.O. BOX GBucksport, ME 04416Phone: (207) 469­6341Toll­Free: (800) 639­2206 (both locations)Fax: (207) 469­2866info@seaboardfcu.comhttp://www.seaboardfcu.comFounded in 1940, Seaboard FCU "strives to keepcosts low and profits are returned to our membersthrough lower fees and higher dividends becausewe are not­for­profit, but for service."Branch Location:200 Main St.P.O. Box 115Ellsworth, ME 04605Phone: (207) 667­8285Fax: (207) 667­6848

Sebasticook Valley Federal CreditUnion87 Moosehead TrailP.O. Box 145Newport, ME 04953Phone: (207) 368­4940Fax: (207) 368­4751info@svfcume.comhttp://www.svfcume.com

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A member­owned financial institution offering abroad array of individual financial products andservices.Branch Location:505 Somerset AvenuePittsfield, ME 04967Phone: (207) 487­5576Fax: (207) 487­3129

Semiconductor of Maine Federal CreditUnion333 Western Avenue, MS 07­37South Portland, ME 04106­1713Phone: (207) 775­8371Fax: (207) 761­6235semifcu@semifcu.orghttp://www.semifcu.orgA member­owned organization providing itsmembers with a wide range of financial services tomeet their needs. Membership is open to employeesor resident contractors at Idexx Laboratories,Fairchild Semiconductor or Nat'l Semiconductor inSouth Portland, ME. Founded 1966.

Shaws Employee Federal Credit Union205 Spencer DriveWells, ME 04090Phone: (207) 646­4989Fax: (207) 646­5673A member­owned organization providing financialservices for employees of Shaws and their families.

St. Francis Community Federal CreditUnion907 Main Street, P.O. Box 38St. Francis, ME 04774­0038Phone: (207) 398­3421Fax: (207) 398­3492A member­owned organization providing financialservices for the community of St. Francis, Maine.

Taconnet Federal Credit Union316 Benton Ave.Winslow, ME 04901Phone: (207) 872­7909Toll­Free: (800) 339­7909Fax: (207) 872­7815http://www.taconnet.comFounded in 1953, Taconnet FCU is a member­owned, full­service financial institution whosemission is "to provide the best possible financialservices for our members in a cost effectivemanner to insure the Credit Union's stability andfuture growth." Membership is open to peopleliving in Kennebec and Somerset counties.Branch Location:1112 Waterville RoadSkowhegan, ME 04976Phone: (207) 474­2254Toll­Free: (800) 339­2254

The County Federal Credit Union776 Main StreetPresque Isle, ME 04769Phone: (207) 768­5051Fax: (207) 764­5267http://www.countyfcu.orgA full­service financial institution serving 22communities in Aroostook County with 13,000members and assets of over $94 million. Thecredit union's mission is "to provide a variety ofquality financial services that are competitivelypriced and offer a fair return to our members."Branch Locations:82 Bennett DriveCaribou, ME 04736Phone: (207) 498­8756Fax: (207) 498­4109232 Main StreetFort Fairfield, ME 04742Phone: (207) 472­5710Fax: (207) 472­1140

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Town & Country Federal CreditUnion557 Main St., P.O. Box 9420South Portland, ME 04106­9420Phone: (207) 773­5656Toll­Free: (800) 649­3495Fax: (207) 772­3624info@tcfcu.comhttp://www.tcfcu.comFounded in 1953, Town & Country FCU servespeople who live or work in Cumberland or Yorkcounties, Maine with a full range of financialservices.Branch Locations:170 Ocean St.South Portland, ME 04106Phone: (207) 767­7419Fax: (207) 767­5799257 US Route 1Scarborough, ME 04074Phone: (207) 883­7751Fax: (207) 883­89393 Auburn St.Portland, ME 04103Phone: (207) 878­0352Fax: (207) 878­039152 Elm StreetSaco, ME 04072Phone: (207) 284­8541Fax: (207) 284­8777Phone: (207) 553­9259Fax: (207) 553­9266

TruChoice Federal Credit Union272 Park Avenue, P.O. Box 10659Portland, ME 04104Phone: (207) 772­0808Toll­Free: (800) 639­5550Fax: (207) 772­5684trufcu@trufcu.comhttp://www.trufcu.com

A credit union serving people who reside, work orare paid from, worship or attend school inCumberland County. Its mission is "to buildpersonalized banking relationships for today andtomorrow."

University Credit UnionRangeley RoadUniversity of MaineOrono, ME 04469­5779Phone: (207) 581­1457Toll­Free: (800) 696­8628Fax: (207) 581­1452http://www.ucu.maine.eduThe credit union's field of membership includespeople in the University of Maine system andothers in Penobscot county educational institutions.Founded in 1967.Branch Locations:977 Union StreetBangor, ME 04401­3011Phone: (207) 992­2900Fax: (207) 992­2405154 High StreetFarmington, ME 04938Phone:(207) 778­4011Fax: (207) 778­3144391 Forest AvenuePortland, ME 04101­2001Phone: (207) 772­1906Fax: (207) 772­18521071 Brighton AvenuePortland, ME 04102Phone: (207) 553­9259Fax: (207) 53­9266

York County Federal Credit Union1516 Main StreetSanford, ME 04073Phone: (207) 324­7511

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Farm Credit of Maine, ACA615 Minot AvenueAuburn, ME 04210­4052Phone: (207) 784­0193Fax: (207) 784­0195info@farmcreditmaine.comhttp://www.farmcreditmaine.comFarm Credit of Maine is a cooperative, owned anddirected by its customers, which specializes inlending to Maine's agricultural, fishing and forestproducts industries. Operating since 1916, FCMprovides business and personal loans, equipmentleasing, appraisals, crop insurance, credit lifeinsurance and other financial services.Branch Office:26 Rice St.Presque Isle, ME 04769Phone: (207) 764­6431

Tricorp Federal Credit Union2 Ledgeview DriveWestbrook, ME 04092P.O. Box 1429Portland, ME 04104Phone: (207) 761­0774Toll­Free: (800) 346­1936Fax: (207) 761­0873info@tricorp.orghttp://www.tricorp.orgTricorp FCU is a "cooperative of cooperatives,"serving other credit union (who are also itsmember­owners) with a variety of financialproducts and services Founded in 1975, Tricorphas a national field of membership with 14employees supporting the corporation.

OTHER FINANCIAL COOPERATIVES

Toll­Free: (800) 639­2802Fax: (207) 490­5064yorkcounty@yorkcountyfcu.comhttp://www.yorkcountyfcu.comFounded in 1954, York County FCU strives "toenhance our members’ lifestyle goals and dreamsby promoting savings and the wise use ofcredit." Membership is open to anyone who lives,works, worships or attends school in York County.Branch Locations:870 Main StreetSanford, ME 04073Phone: (207) 490­5060Toll­Free: (866) 804­6598Fax: (207) 490­5061Mailhot PlazaBiddeford, ME 04005

Phone: (207) 571­3500Toll­Free: (800) 639­2802Fax: (207) 571­35011 York St.York, ME 03909Phone: (207) 351­1021Toll­Free: (800) 556­8343Fax: (207) 351­1051477 Main StreetSaco, ME 04072Phone: (207) 282­2962Toll­Free: (800) 639­2511Fax: (207) 282­3147

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Ace Hardwarehttp://www.acehardware.comAs a retailer­owned cooperative, Ace Hardware iswholly owned by its independently operated storeowners. No shares of stock in the corporation arepublicly traded. Rather, when retailers affiliate withAce, they purchase shares of company stock,which gives them voting rights in the cooperative.This is their investment in the company. There arecurrently more than 4,600 Ace stores in all 50states and U.S. territories, and more than 70countries on six continents. 13 stores in Maine.

Carpet Onehttp://www.carpetone.comAn international retailer­owned cooperativespecializing in carpeting and flooring. Two storesin Maine.

IGAhttp://www.iga.com

IGA is the world’s largest voluntary supermarketnetwork with aggregate worldwide retail sales ofmore than $21 billion per year. The Allianceincludes nearly 4,000 Hometown ProudSupermarkets worldwide, supported by 36distribution companies and more than 55 majormanufacturers, vendors and suppliersencompassing everything from grocery toequipment items. IGA has operations in 44 of theUnited States and more than 40 countries,commonwealths and territories on all six inhabitedcontinents. There are more than 20 IGA stores inMaine.

True Value Hardwarehttp://www.truevalue.com

True Value Company, headquartered in Chicago, isone of the world’s largest retailer­owned hardwarecooperatives with approximately 5,800independent retail locations worldwide. There areapproximately 27 Maine member stores.

RETAILER-OWNED COOPERATIVES

Retailer­Owned Cooperatives are businesses and brands owned cooperatively by retail businesses. Theseare some of the largest and most recognized cooperatives, though many may not know how they arestructured.

BUSINESS & MUNICIPAL-OWNED COOPERATIVES

Other types of businesses, as well as towns and cities, can also benefit by being member­owners ofcooperatives. Here are some examples in Maine.Maine Credit Union League InsuranceTrust2 Ledgeview Dr.Westbrook, ME 04092Phone: (207) 773­0925Fax: (207) 773­1281

dbaird@insuranceinnovations.comDavid Baird, PresidentThe Maine Credit Union League Insurance Trustprovides, promotes and administers qualityinsurance products and related services for itsmember credit unions.

A Directory of Maine's Cooperative Economy 41

Maine Resource Recovery Association142 Farm Rd.P.O. Box 1838Bangor, ME 04402­1838Phone: (207) 942­6772Fax: (207) 942­4017victor@verizon.nethttp://www.mrra.netVictor Horton, Executive DirectorThe MRRA is a cooperative association of Mainetowns, businesses and individuals working since1984 to foster professional solid wastemanagement practices; to further the developmentof recycling and other forms of resource recoveryas cost­effective components of environmentallysound solid waste management in Mainecommunities; and to assist with the marketing ofrecyclable and reusable materials.

Synernet, Inc.222 St. John St., Suite 329Portland, ME 04102(207) 771­3456customerservice@synernet.nethttp://www.synernet.netSynernet, Inc. is a hospital­owned serviceorganization founded in 1985 to providinginnovative and effective cost saving solutions tothe healthcare community. The cooperativeprovides outsourcing services for hospitals andhealthcare organizations throughout Maine andNew England including credentials verification,medical transcription, group purchasing, insuranceservices, and clinical engineering.

COMMUNITY LAND TRUSTS

Community Land Trusts (CLTs) are not necessarily considered "cooperatives," but provide a veryimportant cooperative function for families and communities. CLTs are member­run organizations thatcollectively hold land upon which individuals and families may own or rent housing. The separation ofland ownership from ownership of the housing, coupled with re­sale restrictions in the homeowners'"Ground Lease," effectively remove housing from the speculative market and keep it permanentlyaffordable. CLTs usually include members who are residents of the land, as well as others from the widercommunity who have an interest in affordable housing and land protection.

Clark Mountain Community Land Trust217 South Mountain Rd.Greene, ME 04236(207) 946­4478CMCLT is organized to encourage thedevelopment of cooperative communities andsustainable land use practices, to protectagricultural resources and wild habitats, and toprovide space for spiritual, social, and ecologicalstudy and engagement through the preservation andcommon stewardship of land and housing. CMCLTis currently purchasing the land on which the JEDCollective (see page 12) is rooted, and hopes toexpand its land­base to support other communities,collectives and cooperatives in the future.

Commonterra/Partial Farm161 Stovepipe AlleyMonroe, ME 04951(207) 525­7776rosc@psouth.netKaren MarysdaughterPartial Farm is a cooperative of six householdswhich holds land together in trust through anonprofit, Commonterra Land Trust. We take careof the land together and use it primarily foragricultural purposes. We share community costssuch as taxes, road and land maintenance, andspecial projects that benefit the wholecommunity.

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Covenant Community Land TrustP.O. Box 10Orland, ME 04472(207) 469­7961http://www.homecoop.netCCLT and its partner organization, H.O.M.ECo­op, have built over 30 homes since the 1970s.The land is held in perpetuity by the CCLT, andlow­income families purchase the homes. The landtrust homeowners are encouraged to use the land inan environmentally and socially responsiblemanner. The land trust offers an opportunity forhome ownership to many low­income families whocurrently have no option except renting.

United Voice Community Land Trust*P.O. Box 575Bath, ME 04530uvclt@yahoo.com

Western Mountains Community LandTrust*421 Owen Mann Rd.Farmington, ME 04938

SERVICE COMMUNITIESH.O.M.E. Co­op stands alone in Maine as a unique example of a global movement of service­orientedintentional communities and cooperatives dedicated to meeting the basic needs of all people and workingto end poverty and build a socially and economically­just world. Many different cooperative endeavors areassociated with this project.

H.O.M.E. Co­op, Inc.Route 1, P.O. Box 10Orland, ME 04472Phone: (207) 469­7961Fax: (207) 469­1023info@homecoop.nethttp://www.downeast.net/homeH.O.M.E. Inc., established in 1970 as a craftcooperative, is a multi­faceted organizationinvolved in economic reconstruction and socialrehabilitation. Part of an international networkcalled Emmaus Communities, H.O.M.E. is a smallcommunity offering jobs, food, education,temporary shelter and home ownership to peopleand families in need. It operates five shelters forthe homeless; a social outreach program; a foodbank; a soup kitchen; a recovery barn and thriftstore (clothes and household goods); a freefirewood service; a learning center which includesa day­care center, literacy instruction, GEDpreparation, craft training, computer training anddesktop publishing; a craft store featuring

homemade items from more than 200 Maineresidents, and handmade items from theorganization's sister community in Guatemala; apottery studio; a woodworking shop; a weavingstudio; a quilting & stitchery studio; a stained glassshop; a small museum; a chapel. a garden program,greenhouse and farmer's market; a free medicalclinic; employment in a lumber mill, a shinglemill, and garage and house construction; and theCovenant Community Land Trust.

A Directory of Maine's Cooperative Economy 43

Cooperative Development Institute1 Sugarloaf St.South Deerfield, MA 01373Phone: (413) 665­1271Toll­Free: (877) NE COOPSinfo@cdi.coophttp://www.cdi.coopCooperative Development Institute (CDI) is theNortheast's center for cooperative businesseducation, training and technical assistance. CDI'smission is to increase economic opportunities andbenefits for people in the Northeast by fostering thegrowth and success of all types of cooperativeenterprises. CDI serves communities inMassachusetts, New Hampshire, Vermont,Connecticut, Maine, Rhode Island and New York,providing education, training and technicalassistance to existing and start­up cooperatively­structured enterprises in all business sectors: food,housing, energy, agriculture, arts, health, forestry,fisheries, retail, service and more.

Cooperative Fund of New EnglandP. O. Box 175South Freeport, ME 04078Phone: (207) 865­3696Fax: (207) 865­3696phebe@cooperativefund.orghttp://www.cooperativefund.orgPhebe Quattrucci, Outreach CoordinatorCFNE is a cooperative support organization thatworks to "advance community­based, cooperativeand democratically­owned or managed enterpriseswith preference to those that serve low­incomecommunities through: provision of promptfinancial assistance at reasonable rates; provisionof an investment opportunity that promotes sociallyconscious enterprise; and development of a

regional reservoir of business skills with which toassist and advise these groups." The CooperativeFund makes term loans, lines of credit, and as ofspring 2008, small equity investments in new andexpanding co­ops, worker­owned businesses, andcommunity­based nonprofit organizations.Founded in 1975.

Cooperative Mainecoopmaine@gmail.comhttp://www.cooperativemaine.orgThe mission of Cooperative Maine is to promoteincreased development of cooperatives in Mainethrough supporting existing Maine cooperativesand helping new ones to form. CM is working toprovide: education about the benefits ofcooperatives, both within the cooperativemovement and among the general public; publicpolicy and curricula development; technical andfinancial support for cooperatives; and aninformation clearinghouse to aid new cooperativesin forming and to support existing ones.

Maine Credit Union League2 Ledgeview Dr.Westbrook, ME 04092Phone: (207) 773­5671Toll­Free: (800) 442­6715Fax: (207) 773­0957info@mainecul.orghttp://www.mainecul.orgMailing:P.O. Box 1236Portland, ME 04104The Maine Credit Union League is a supportorganization for Maine's credit unions,

NETWORKING & SUPPORT ORGANIZATIONSThere are a number of organizations in Maine that provide support, resources and networkingopportunities for existing cooperatives and for people interested in creating new ones. Here are some ofthem:

STRONGER TOGETHER44

Maine Credit Union League (cont'd)with creating a favorable climate for its membersin the business and consumer environments inwhich they operate." Founded in 1938.

Maine Federation of FarmersMarketsTom Robertstom@mffm.orghttp://www.mffm.orgThe Maine Federation of Farmers' Markets(MFFM) was organized in the spring of 1991 byfarmers' market members to help meet the mutualneeds of Maine's farmers' markets and marketmembers and to promote the establishment andpopular use of farmers' markets in Maine. As anorganization, the MFFM is currently dormant,except for its resource­rich website.

Maine WoodNet52 Temple Rd.P.O. Box 265East Wilton, ME 04101(207) 645­2400mewood@beeline­online.nethttp://www.mainewoodnet.orgChris KraussMaine WoodNet is a marketing and manufacturingnetwork comprised of over 50 wood productsbusinesses located in the “western lakes andmountains” region of Maine. WoodNet's mission isto facilitate cooperative manufacturing, innovatingmarketing, and wood­use efficiency by forestbased businesses, while promoting networking andeducational opportunities focused on improvedforest stewardship. Projects include the SugarWood Gallery in Farmington (page 19).

Indivisible, Inc.P.O. Box 657Orono, ME 04473

(207) 947­4117Jane Livingston

Provides news, information, networking, and otherservices to build the cooperative economy.Services include public education, program/eventsdevelopment, editorial work, materials design andproduction oversight, PR, marketing, communityorganizing, and community projectcoordination.

A Directory of Maine's Cooperative Economy 45

Arizmendi Association of Cooperatives http://www.arizmendi.coop/resourcesAn excellent resource list for information on worker cooperatives.

Community­Wealth.org http://www.community­wealth.orgA comprehensive and up­to­date information resource on state­of­the­art strategies for democratic, community­based economicdevelopment.

Cooperative Development Institute http://www.cdi.coopThe Northeast's center for cooperative business education, training and technical assistance.

Cooperative Grocer http://www.cooperativegrocer.coopA lively, colorful, bi­monthly magazine produced for the managers and directors of the more than 350 food cooperatives acrossthe United States and Canada.

Eastern Conference on Workplace Democracy http://www.east.usworker.coopA non­profit cooperative organization established to aid in the continued growth of the workplace democracy movement on theEast Coast.

Grassroots Economic Organizing http://www.geo.coopStories and analysis from the front lines of economic solidarity and globalization from below. An extensive source for news andexamples of efforts to build a cooperative economy in the U.S. and beyond.

International Cooperative Alliance http://www.ica.coopICA is an independent, non­governmental association which unites, represents and serves co­operatives worldwide.National Center for Employee Ownership http://www.nceo.orgA private, nonprofit membership and research organization that serves as the leading source of accurate, unbiased informationon employee stock ownership plans (ESOPs), equity compensation plans such as stock options, and ownership culture.

National Cooperative Business Association (NCBA) http://www.ncba.coopThe lead national membership association representing cooperatives of all types and in all industries.

National Cooperative Grocer's Association http://www.cgin.coopA business services cooperative for natural food co­ops located throughout the United States.

The U.S. Federation of Worker Cooperatives http://www.usworker.coopA national grassroots membership organization of and for worker cooperatives, democratic workplaces, and organizations thatsupport the growth and development of worker cooperatives.

The U.S. Solidarity Economy Network (SEN) http://www.ussen.orgConnecting and strengthening the emerging movement for a solidarity economy in the U.S.

WEB RESOURCES FOR COOPERATIVE DEVELOPMENT

Cooperative Maineinfo@cooperativemaine.orgwww.cooperativemaine.org