Atlantic Regional Credit Union Freeport ME | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Atlantic Regional in beautiful Freeport, ME! Located at 41 Mallett Dr, our branch has been serving the community since 1941, fostering financial growth and support for our valued members. With a strong commitment to providing top-notch services, we are proud to be a trusted partner in your financial journey. At Atlantic Regional, we believe that our members deserve the best. With a total membership of 49,037 and assets exceeding $1,075,476,306, we are dedicated to ensuring your needs are met with care and expertise. Our CEO, Scott Chretien, alongside Board President Thomas Perkins, leads a team of 188 employees who are always ready to assist you. While members can visit us at our branch address, official correspondence should be sent to P.O. Box 506, Freeport, ME 4032. Our team is here for you with services ranging from personal banking and auto loans to business banking solutions. We understand the importance of accessible banking; that's why we offer online services like mobile payments and person-to-person transfers, making it easy for you to manage your finances anytime, anywhere. Our focus on community impact shines through in our offerings. We have extended over 28,053 loans to help our members achieve their dreams whether it's buying a home or financing a vehicle. With total deposits amounting to $38,885,154, we ensure that your funds are secure while also working diligently to grow them through smart investments. At Atlantic Regional, we pride ourselves on being more than just a financial institution; we are your neighbor and friend. Come visit us during our operating hours from 8:30 am - 5:00 pm on Monday and Friday or from 8:30 am - 4:00 pm on Tuesday and Thursday. You can also reach us at 207-865-2830 for any inquiries or assistance. Join us at Atlantic Regional today where your financial future is bright!

Branch History & Mission

Join Us

As we look toward the future, we invite you to be part of our growing family at Atlantic Regional. Whether you're looking for financial solutions or want to join us in making a difference in the community, there's a place for you here. Experience firsthand the benefits of membership by visiting us or checking out more information online at Atlantic FCU. Together, let's continue building a brighter financial future! If you have any questions or would like assistance with your financial needs, don't hesitate to call us at 207-865-2830. We're here for you!

Our Journey

Atlantic Regional began with a simple mission: to offer accessible financial services to those in our community. Over the years, we have evolved to meet the changing needs of our members while staying true to our core values of trust, integrity, and service. Our commitment to excellence has led us to introduce innovative banking solutions that prioritize convenience and accessibility. Today, we are proud to offer online banking, mobile payments, and an easy-to-use mobile app that brings banking directly to your fingertips. Our branch has always emphasized community support. We believe in giving back through local partnerships and outreach programs that foster growth and development in Freeport and beyond. By collaborating with local organizations and participating in community events, we aim to make a positive impact on the lives of those we serve.

Our Mission

At Atlantic Regional, our mission is clear: we strive to empower our members by providing them with the tools they need for financial success while actively supporting our community. We focus on personal banking solutions such as checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking services. Our goal is not just to be a financial institution but also a resource for education and guidance. While you can visit us at 41 Mallett Dr, official correspondence should be sent to P.O. Box 506, Freeport, ME 4032 if needed. Our friendly staff is dedicated to providing exceptional service during our operating hours: Monday and Friday from 8:30 AM to 5 PM; Tuesday and Thursday from 8:30 AM to 4 PM; Wednesday from 9 AM to 4 PM; and Saturday video teller hours from 9 AM to 12 PM. We understand that convenience matters; that's why we're pleased to offer drive-thru banking services and ATM access for quick transactions. Additionally, as part of our commitment to inclusivity, we ensure ADA compliance throughout our facilities.

Branch Location & Accessibility

Convenient Access

At Atlantic Regional, we prioritize your convenience. Our branch features a spacious parking lot with plenty of spots available, ensuring you can easily access our services without any hassle. We are also ADA compliant, so everyone can enjoy a smooth experience while visiting us.

Get in Touch

Have questions or want to learn more? Feel free to give us a call at 207-865-2830. We're here to help! We invite you to visit us at Atlantic Regional in Freeport where friendly faces are ready to assist you with all your banking needs.

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours to accommodate your busy schedule. Our lobby hours run from 8:30 AM to 5:00 PM on Mondays and Fridays, while on Tuesdays and Thursdays, we open from 8:30 AM to 4:00 PM. If you prefer midweek visits, come see us on Wednesdays between 9:00 AM and 4:00 PM! For those who need quick service, our drive-thru is open earlier at 8:00 AM on weekdays.

Services Offered

Atlantic Regional is more than just a branch; it's your one-stop shop for all your financial needs! Whether you're looking for personal banking options like checking and savings accounts or considering an auto loan or mortgage, we've got you covered. Plus, if you need to make simple transactions like deposits or withdrawals, our drive-thru offers basic services with ease. We also have ATM availability right here at our branch for quick cash access when you need it most. And if you're a member of another participating credit union, you can take advantage of our shared service center for added convenience.

Member Eligibility

At Atlantic Regional, we believe that joining our community is more than just opening an account it's about becoming part of a family that supports you every step of the way. To become a member, you'll find that eligibility is quite straightforward. If you live, work, or go to school in the area, you're likely already qualified! We welcome individuals from various backgrounds and professions, making it easy for anyone to join us on this journey towards financial empowerment. For a detailed look at our eligibility criteria, feel free to explore this link. Once you're ready to take the next step, opening an account is just as simple. You can get started online with our user-friendly registration process by visiting this page. Should you have any questions along the way or need assistance, don't hesitate to give us a call at (207) 865-2830. We're here to help you thrive as a member of Atlantic Regional, located at 41 Mallett Dr Freeport Me 04032!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $442 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $87,596,784, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that make handling payments easy for you. Imagine being able to accept credit and debit cards seamlessly at your storefront or online. Our services help simplify transactions, so you can focus on what matters most growing your business. Visit us at 41 Mallett Dr Freeport Me 04032 in Freeport, ME, or call us at (207) 865-2830 to discover how we can partner with you on your business journey!

Comprehensive List Of Services

Embracing Digital Convenience

In today's fast-paced world, managing your finances digitally is more important than ever. That's why at Freeport, we offer robust Online & Mobile Banking features. You can easily check balances, transfer funds, or pay bills from anywhere at any time. Plus, our ATM & Cash Withdrawal Services ensure you have access to your money whenever needed.

Empowering Business Banking

For entrepreneurs and small business owners, we have dedicated Business Banking solutions including Merchant Services & Business Loans designed to support growth and streamline operations. We understand that running a business comes with challenges, and we're here to provide the financial backing you need.

Flexible Lending Options

If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation can offer relief by consolidating high-interest debts into one manageable payment. Additionally, we offer Credit Cards with Rewards, allowing you to earn points on everyday purchases which can be redeemed for exciting rewards.

Home Financing Solutions

Thinking about buying a home? Our Mortgage Loans & Refinancing services provide various options tailored to fit your unique situation. Whether you're a first-time homebuyer or looking to refinance an existing mortgage for better terms, our team is ready to guide you through the process with ease.

Personal Banking Made Easy

For those starting their financial journey, our personal banking options include Checking & Savings Accounts designed for convenience and flexibility. Imagine having a safe place to store your money while earning interest our accounts are structured just for that. If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing can make it easier than ever. With competitive rates and terms that suit your budget, you'll be hitting the road in no time.

Simple Transactions Made Accessible

We also recognize the importance of simple banking transactions. Our Basic Drive-Thru Banking allows for quick deposits and withdrawals without stepping inside the branch, perfect for those busy days. For members of partner credit unions, we offer Basic Shared Branch Transactions, making it easy for everyone in our network to conduct their banking needs. Ready to explore all that we have to offer? We invite you to visit us at 41 Mallett Dr Freeport Me 04032, call us at (207) 865-2830, or check out our website at https://www.atlanticfcu.com/ for more information on how you can benefit from membership at Atlantic Regional. Your financial success is our priority!

Digital & Online Banking

Key Features

Our online banking platform at https://www.atlanticfcu.com/ provides an easy-to-navigate interface where you can check balances, transfer money, and pay bills with just a few clicks. Say goodbye to long lines and hello to hassle-free banking! You can also take advantage of our mobile application, making it even easier to handle your financial needs on the go. Need to send money to a friend? Our person-to-person transfer feature allows you to do just that quickly and securely. Plus, if you're looking for an eco-friendly option, our e-statements let you view your account statements online without the clutter of paper.

Security & Convenience

Security is paramount when it comes to online banking. At Atlantic Regional, we utilize electronic signature authorization for safe transactions, ensuring that your information remains protected. Our mobile payments feature allows you to make purchases using your smartphone, giving you the freedom to shop without carrying cash or cards. Whether you're at home or out in the community, our online banking services ensure that you're always in control of your finances. With real-time updates and easy access through both desktop and mobile platforms, managing your money has never been simpler. Experience the modern way of banking with us today! For more information or to get started, visit https://www.atlanticfcu.com/ and see how our digital services can enhance your financial journey.

Financial Strength

Member Savings and Growth Opportunities

Members' savings are secured through $201,321,465 in share certificates and $132,956,294 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.

Member Trust

Total Share and Deposit Accounts: 125,135, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,288,530. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Atlantic Regional is your trusted partner. Visit us at 41 Mallett Dr Freeport Me 04032 or call (207) 865-2830 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Operational Efficiency

Our $1,837,807 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 184 full-time employees and 4 part-time employees who are dedicated to serving you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $113,278,540, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This strength is reflected in our net worth ratio of $1,053, demonstrating a solid capital foundation that ensures we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment in Member Services

With $75,210,633 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to supporting your financial goals is also evident through our lending capacity; with $7,582 in used auto loans and $750,975,130 in total loans and leases, we are here to help you achieve your dreams.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $112,042,082 in used vehicle loans and $32,525,038 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make sure you find the right fit for your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $61,220,348, make buying or refinancing simple. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Other Financing Options

In addition to these key products, we also provide personal loans and lines of credit to help you cover various needs. With our total credit lines reaching $260,038,102, members have access to funds when they need them most. For business owners looking for growth opportunities, our outstanding commercial loans totaling $87,596,784 provide the capital needed to expand operations and invest in future projects. If you're interested in refinancing any current loans or exploring eligibility options for our various products, please reach out. We're committed to working with you to find the best financial solutions. For more information or assistance with any of our loan products at Atlantic Regional located at 41 Mallett Dr Freeport Me 04032, feel free to call us at 207-865-2830. 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 your next financial step today!

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $12,556,819 in loans helping members manage their finances effectively. This option provides convenience and peace of mind when unexpected costs arise.

Loan Aggregator

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ATLANTIC REGIONAL FEDERAL CREDIT UNION