Acadia Credit Union Saint Agatha ME | Low Mortgage Rates & Business Banking

Introduction

Welcome to Acadia at our St. Agatha Branch, located conveniently at 315 Main St, Saint Agatha, ME 04772. Since opening our doors in 1963, we have been committed to serving the financial needs of our community, building a foundation of trust and reliability that our members can count on. With a total membership of 17,222, we pride ourselves on being more than just a credit union; we are your neighbors, dedicated to your financial well-being. At Acadia, we understand that each member's journey is unique. That's why we offer a wide range of services tailored just for you, from checking and savings accounts to auto loans, mortgages, and business banking solutions. Our total assets stand strong at an impressive $370,967,035, ensuring that we have the resources necessary to support you in every step of your financial journey. Our team of 86 employees, led by CEO David Desjardins and Board President Mary McCarthy, is here to provide personalized service that makes banking easy and accessible. Whether you're visiting us at the branch or engaging with us online through services like mobile banking and ATM access, we're always here for you. While you can reach us directly at (207) 543-7383, if you need to send official correspondence, please use our mailing address: PO Box 130, Saint Agatha, ME 04772-0130. Join us as we continue to grow together as a community-focused credit union where your success is our mission. Discover how Acadia can help you achieve your financial goals today! Visit our website at acadiafcu.org or stop by the branch we look forward to meeting you!

Branch History & Mission

Welcome to Acadia, where our journey began in 1963, rooted in the heart of Saint Agatha, Maine. Over the years, we have grown from a small credit union into a trusted financial partner for over 17,000 members. Our branch, located at 315 Main St, is more than just a place for transactions; it's a community hub where friendships are formed and financial dreams are realized. From our humble beginnings, Acadia has consistently focused on serving our members with integrity and care. We have witnessed significant milestones along the way expanding our services to include everything from personal banking and auto loans to business banking solutions. Today, we proudly manage total assets of $370,967,035, reflecting our commitment to stability and growth for our members. At Acadia, our mission is simple yet powerful: we strive to provide accessible financial services while actively supporting the communities we serve. This means more than just offering competitive loan rates or savings accounts; it encompasses fostering local partnerships and engaging in outreach efforts that uplift those around us. Whether through financial literacy programs or community events, we believe in giving back to make Saint Agatha a better place for everyone. While members can visit us at 315 Main St Saint Agatha Me 04772, official correspondence should be sent to PO Box 130, Saint Agatha, ME 04772-0130. Our doors are open Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 9:00 AM to noon. Plus, with convenient ATM access and drive-thru services available, managing your finances has never been easier. As we continue to embrace technology and innovation offering online banking and mobile payment options we remain dedicated to ensuring that all members feel valued and supported. Our team is here to guide you every step of the way on your financial journey. Join us at Acadia and become part of a community that prioritizes your needs. Experience firsthand how we can help you achieve your financial goals while making a positive impact in Saint Agatha. Your future starts here!

Branch Location & Accessibility

Accessibility and Features

At Acadia, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can visit us comfortably. With both ATM availability and drive-thru banking options, getting your banking done is quick and hassle-free.

Contact Us

Have questions or need assistance? Feel free to reach out at 207-543-7383. While members can visit us at the branch for all their banking needs, official correspondence should be sent to PO Box 130, Saint Agatha, ME 04772-0130. We invite you to stop by and discover how Acadia can help you with personal banking services like checking and savings accounts, auto loans, mortgages, and more. Come see us today!

Operating Hours

We are here to serve you during the week from Monday through Thursday from 8:30 AM to 4:30 PM, Friday from 8:30 AM to 5:30 PM, and Saturday mornings from 9:00 AM until noon. Whether you're dropping off a deposit or discussing loan options, we're ready to assist you during these hours.

Member Eligibility

At Acadia, we believe that becoming a member is like joining a family where everyone looks out for each other. If you live, work, worship, or attend school in the Saint Agatha area, you're already on your way to enjoying all the benefits of membership! Joining us means you'll have access to fantastic financial products and services designed with your needs in mind. Plus, you can take advantage of our friendly support and community-focused approach. For more detailed eligibility criteria. When you're ready to open an account, simply give us a call at (207) 543-7383, and we'll guide you through the process. Together, let's build a brighter financial future right here at 315 Main St Saint Agatha Me 04772!

Business Banking & Commercial Services

Member Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $455 in commercial loans for our members, helping businesses scale and succeed.

Merchant Services

In addition to loans, our merchant services simplify payment processing. Imagine a local café efficiently handling transactions while keeping customers happy. With our services, you can focus on what you do best running your business while we take care of secure payments. Visit us at 315 Main St Saint Agatha Me 04772 in Saint Agatha, ME or call us at (207) 543-7383 to learn how we can help your business thrive!

Non-Member Support

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Outstanding Loans Portfolio

With an outstanding commercial loan portfolio of $62,963,778, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility and Support

We understand that not everyone can visit us during standard hours. That's why we're proud to offer extended service options such as drive-thru banking from Monday through Friday from 8:30 AM - 5:30 PM and Saturday from 9:00 AM - 12:00 PM. You can also reach us at 207-543-7383 if you have any questions or need assistance. At Acadia, we believe in making banking accessible and convenient for all our members. No matter what financial service you're looking for, we're here to help. Ready to take the next step? Visit us today at 315 Main St, or explore our website at acadiafcu.org for more information on how we can assist you with all your banking needs!

Business Banking

For our business members, we offer comprehensive business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the tools you need to succeed.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Acadia provides robust online and mobile banking services. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and pay bills from anywhere no need to visit the branch! Additionally, we have ATM and cash withdrawal services available for those times when you need quick access to cash. Our basic drive-thru banking allows for easy deposits, withdrawals, and simple transactions without leaving your car.

Personal Banking

Our personal banking services include checking and savings accounts designed to help you manage your finances easily. Imagine having an account that not only meets your daily needs but also earns you interest over time. You can set up automatic transfers to grow your savings without even thinking about it! When it comes to financing a vehicle, our auto loans and vehicle financing options are here to support you in finding the perfect car for your lifestyle. We offer competitive rates that make it easier than ever to drive off in your dream vehicle. If you're considering purchasing a home, our mortgage loans and refinancing options provide flexible terms to make homeownership attainable. Our friendly team is ready to guide you through the process, making it straightforward and stress-free.

Personal Loans & Credit Cards

Life can sometimes throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services to help you manage those financial bumps along the road. And don't forget about our credit cards with rewards perfect for earning perks on your everyday purchases!

Digital & Online Banking

Easy Statements and Transactions

Say goodbye to paper clutter! We provide e-statements that allow you to view and manage your account statements electronically. This not only helps you stay organized but also contributes to a more sustainable environment. And if you need to send money quickly, our person-to-person transfer feature makes it simple to send cash to friends or family in just moments.

Mobile Banking on the Go

For those who prefer managing their accounts on mobile devices, our dedicated mobile application is available for download. With features like mobile payments, you can make purchases directly from your phone no wallet required! This way, whether you're grabbing coffee or shopping for groceries, your finances are always at your fingertips. At Acadia, we're committed to providing accessible and user-friendly digital banking solutions that empower our members. Join us today and experience how easy it is to manage your finances online!

Financial Strength

Investments in Member Services

Our commitment to our members is reflected in our $33,484,539 in undivided earnings, which we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $2,326 in used auto loans and $294,045,662 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member Trust

Total Share and Deposit Accounts: 41,601, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $993,160. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Acadia is your trusted partner. Visit us at 315 Main St Saint Agatha Me 04772 or call (207) 543-7383 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $403,189 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 76 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $108,645,437 in share certificates and $45,222,688 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $40,362,291, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.87% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $42,919,399 in used vehicle loans and $18,618,545 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates for both new and used vehicles to ensure you find the right fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $62,963,778 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to scale an existing one, our team is ready to assist you in finding the right financing solutions. At Acadia Credit Union, we pride ourselves on making lending accessible and straightforward. If you're considering refinancing options or want more information on eligibility requirements for any of our loan products, feel free to reach out. You can contact us at (207) 543-7383 during our operating hours: Monday through Thursday from 8:30 AM to 4:30 PM and Friday from 8:30 AM to 5:30 PM; Saturday from 9 AM to Noon. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial dreams!

Credit Lines

For those who need ongoing access to funds, our total credit lines available amount to $58,240,087. This can be an excellent option for managing everyday expenses or unexpected costs without the hassle of reapplying each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $11,549,622, make buying or refinancing simple. We offer various programs tailored to meet your needs and help you navigate the home-buying process smoothly.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,738,726 in loans helping members manage their finances effectively. Our credit cards come with rewards that can enhance your spending power while keeping your budget in check.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing data from credible institutions guarantees fair and transparent offers for users.

ACADIA FEDERAL CREDIT UNION - Saint Agatha, ME

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