Acadia Credit Union Saint Francis ME | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Acadia, your trusted financial partner in the heart of Saint Francis, Maine! Located at 907 Main St, our branch has been serving the community since 1963. With a strong commitment to our members, we are proud to offer personalized banking services that cater to your unique needs. At Acadia, we believe that every member deserves a solid foundation for their financial future. Our total assets stand at an impressive $370,967,035, reflecting our stability and dedication to sound financial practices. With over 17,222 members counting on us, we strive to create meaningful relationships built on trust and transparency. Our financial strength is evident in our robust offerings: from auto loans and mortgages to personal loans and credit cards with rewards. Currently, our total deposits amount to $8,821,607, showcasing the confidence that our community places in us. We are also managing a total loan portfolio of 10,186 loans and leases, demonstrating our active role in supporting local families and businesses. Under the leadership of CEO David Desjardins and Board President Mary McCarthy, our team of 86 employees works diligently to provide exceptional service. Whether you need help with banking solutions or investment advice, we are here for you. You can reach us at (207) 398-3421 during our business hours: Monday through Wednesday from 8:30 am - 4:00 pm and Thursday through Friday from 8:30 am - 5:00 pm. While members can visit us at our branch for all their banking needs, official correspondence should be sent to PO Box 38, Saint Francis, ME 04774-0038. Join us today at Acadia Credit Union where your financial journey is supported by a caring community bank dedicated to your success! Explore more about what we offer by visiting our website at acadiafcu.org. We look forward to welcoming you into the Acadia family!

Branch History & Mission

At Acadia, we take pride in our rich legacy and commitment to our community. Since opening our doors in 1963 at 907 Main St, Saint Francis, ME 04774, we've been dedicated to serving the financial needs of our members. Over the years, we have grown significantly and currently support a thriving membership of 17,222 individuals. With total assets amounting to $370,967,035, we continue to strengthen our position as a trusted financial partner. Our mission is simple yet powerful: to provide accessible financial services while fostering community growth and well-being. We believe that when our members succeed, so does our community. We offer a wide range of services, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, as well as business banking solutions. While members can visit us at our branch location on Main Street, official correspondence should be sent to PO Box 38, Saint Francis, ME 04774-0038. We are proud to offer convenient operating hours: Monday through Wednesday from 8:30 am to 4:00 pm; Thursday and Friday from 8:30 am to 5:00 pm; and Saturday from 8:30 am to noon. At Acadia, we also focus on staying connected with our members through technology. We provide online and mobile banking services that allow you to manage your finances anytime and anywhere. Our commitment to accessibility is reflected in our ADA-compliant facilities and customer-centric initiatives. We believe in giving back to the community that has supported us for so long. Through various partnerships and outreach efforts, we actively engage with local organizations and initiatives that uplift our neighbors. Together, we work towards creating a vibrant future for all. Join us today at Acadia! Experience firsthand how we can help you reach your financial goals while being part of a caring community. Feel free to call us at 207-398-3421 or visit our website at Acadia FCU for more information about becoming a member. Your journey towards financial empowerment starts here!

Branch Location & Accessibility

Call to Action

We invite you to come visit us at Acadia's St. Francis Office! If you have questions or would like more information about our services, don't hesitate to give us a call at 207-398-3421. We're here to help you every step of the way!

Nearby Landmarks

Situated in the heart of Aroostook County, we're just a stone's throw away from local favorites like the Saint Francis Community Center. This prime location makes it easy for you to drop in during your daily routine or while enjoying a day out in the area.

Operating Hours

We know that life can get busy, so we offer flexible hours to accommodate your schedule. Our lobby is open Monday through Wednesday from 8:30 AM to 4:00 PM, and we extend our hours until 5:00 PM on Thursdays and Fridays. On Saturdays, we're here for you from 8:30 AM until noon. Feel free to stop by during these times; our friendly staff is eager to assist you!

Services Offered

At Acadia's St. Francis Office, we pride ourselves on offering a wide range of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, with ATM availability right on-site and options for online and mobile banking, managing your finances has never been easier.

Member Eligibility

At Acadia, we believe in creating a welcoming community where everyone can thrive. Joining us is simple! If you're a resident of Aroostook County or work in the area, you're likely eligible to become a member. Our doors are open to individuals who value friendly service and community support. Becoming a part of Acadia not only gives you access to our array of personal and business banking services but also allows you to be part of a cooperative where your voice matters. For more detailed eligibility criteria. Opening an account is straightforward and designed with you in mind. Just give us a call at (207) 398-3421, or visit us at our location on 907 Main St Saint Francis Me 04774 during our operating hours: Monday through Wednesday from 8:30 am to 4:00 pm, Thursday and Friday until 5:00 pm, and Saturday until noon. We can't wait to welcome you into our family at Acadia!

Business Banking & Commercial Services

Merchant Services that Empower

In addition to loans, we offer comprehensive merchant services designed to streamline your operations. Imagine a local café seamlessly processing payments with mobile solutions while managing inventory in real-time. These tools not only save time but also enhance customer satisfaction key ingredients for any successful business. Whether you're looking to expand, invest in new equipment, or improve cash flow, Acadia is here to support your goals with personalized service and a deep understanding of your needs. Let's grow together!

Tailored Loan Options

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. - 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

ATM & Cash Withdrawal Services

Need cash quickly? Take advantage of our ATM & Cash Withdrawal Services available at various locations. With basic ATM access for withdrawals and balance checks, getting cash has never been easier. At Acadia, we strive to ensure that every service we offer aligns with our commitment to member satisfaction and financial well-being. If you're interested in learning more about how we can assist you further or if you'd like to speak with a representative, please don't hesitate to call us at 207-398-3421. Your financial journey matters to us!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our Auto Loans & Vehicle Financing options make it simple for you to get behind the wheel without breaking the bank. We offer competitive rates and flexible terms to help you find the right financing solution for your needs.

Business Banking

For local business owners, our Business Banking services include merchant services and business loans designed to support your growth. We understand the unique challenges small businesses face and are here to help you succeed.

Credit Cards with Rewards

Our Credit Cards with Rewards program lets you earn points on everyday purchases. Use your card wisely and enjoy rewards that can benefit your lifestyle whether it's cash back or travel perks.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make, and we're here to help with our Mortgage Loans & Refinancing services. Whether you're purchasing your first home or looking to refinance an existing mortgage, our experienced team will guide you through the process to find the best fit for your financial situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. You can check balances, pay bills, transfer funds, and even make mobile payments from anywhere at any time. Our digital banking tools are designed to keep you connected with your finances effortlessly.

Personal Banking

Whether you're opening a new account or managing existing ones, our Personal Banking services are designed to fit your lifestyle. With options like checking and savings accounts, we ensure that you can easily access your money when you need it. Our friendly staff is always ready to assist you with any questions or concerns regarding your accounts.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to simplify your finances, our Personal Loans & Debt Consolidation services can provide relief. We work with you to create a loan solution that meets your specific needs while helping you stay on track financially.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, ensuring you can check balances, transfer funds, and pay bills whenever it suits you. Want to send money to a friend or family member? Our person-to-person transfer feature lets you do just that with ease. Plus, with our mobile application, banking on the go has never been simpler. Whether you're commuting or enjoying a day out, your finances are always at your fingertips.

Security and Convenience

We know that security is a top concern for our members. That's why we offer electronic signature authorization for various transactions, making it easy for you to sign documents securely without needing to visit the branch. You can also opt for e-statements, which not only help the environment but also allow you to keep track of your finances more efficiently. For those who prefer using their mobile devices, our mobile payments feature enables quick and easy transactions right from your phone. No need to carry cash or cards simply use your mobile device for purchases. In today's fast-paced world, having access to your financial information in real-time is essential. With our user-friendly tools at Acadia, managing your money has never been easier or more secure. Join us online today at https://www.acadiafcu.org/ and discover how our digital banking services can work for you!

Financial Strength

Growing Membership Trust

With total share accounts reaching 41,601, it's clear that many individuals trust us with their finances. Net Shares (Funds available for lending and investments): $993,160 further emphasize our commitment to maintaining a healthy balance sheet that benefits all members. 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 907 Main St Saint Francis Me 04774 or call (207) 398-3421 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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.

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.

Reinvesting for Your Benefit

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

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 financing options that can fit almost any budget. Plus, if you're looking to refinance your current auto loan for better rates or terms, we can help with that too.

Business and Commercial Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $62,963,778 provide the capital needed to expand your operations and enhance your services. At Acadia, we prioritize understanding your unique situation and guiding you toward the best loan solutions. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. No matter what stage you are at in your financial journey whether it's purchasing a vehicle or investing in property we're here to help you achieve those goals with ease and confidence. Visit us today or call us for further details!

Credit Lines

If you're looking for additional financial flexibility, our total credit lines amounting to $58,240,087 can be a great option. This product allows you to access funds as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With our Junior Lien 1-4 Family Residential Properties loans totaling $11,549,622, we aim to assist you every step of the way in securing your ideal living space.

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. These cards provide a convenient way to handle everyday expenses without tying up your cash reserves.

Loan Aggregator

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ACADIA FEDERAL CREDIT UNION - Saint Francis, ME

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