Atlantic Regional Credit Union Saco ME | Affordable Auto Loans & Business Banking

Introduction

Welcome to Atlantic Regional in Saco, where our commitment to serving our community is as strong as ever! Established in 1941, we've proudly grown alongside our members, now counting 49,037 individuals and families who trust us with their financial needs. Our branch at 477 Main St, Saco, ME 04072 is not just a place for transactions; it's a hub for building relationships and creating opportunities. At Atlantic Regional, we manage over $1.07 billion in assets, ensuring we have the resources to support you through every stage of life. With a total loan portfolio of 28,053 loans and deposits reaching $38,885,154, we're here to provide the financial solutions that matter most. Our members enjoy access to a variety of services, including personal banking, auto loans, mortgages, and business banking options tailored just for you. Led by our dedicated CEO, Scott Chretien, and Board President, Thomas Perkins, our team of 188 employees is always ready to assist you with personalized service. Whether you're looking for advice on your next car loan or need help managing your savings, we're here for you. While members can visit us at our branch location for face-to-face service, official correspondence should be sent to the same address: 477 Main St, Saco, ME 04072. Have questions? Feel free to reach out at (207) 282-2962 during our convenient hours or explore more about us online at atlanticfcu.com. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Join Us!

As we continue this journey together, we invite you to be part of our growing family. Experience firsthand the benefits of membership at Atlantic Regional. Explore how we can help you secure your financial future today!

Our Mission

At Atlantic Regional, our mission is simple yet powerful: We aim to enhance the financial well-being of our members by providing personalized services and community-focused initiatives. Whether you need assistance with auto loans, mortgages, or savings accounts, we're here to help you achieve your goals. While members can visit us at 477 Main St Saco Me 04072, official correspondence should be sent to 477 Main St, Saco, ME 4072. We encourage everyone to reach out via phone at (207) 282-2962 or visit our website at Atlantic FCU for more information about our offerings. Our commitment goes beyond financial services; we believe in giving back. From sponsoring local sports teams to hosting financial literacy workshops, we are dedicated to making a difference where it matters most.

Our Story

Located at 477 Main St, Saco, ME 04072, our branch is more than just a place to bank; it's a hub for the community. We take pride in being deeply rooted in the Saco area and actively participating in local events. Through partnerships with schools and organizations, we strive to uplift our neighbors and contribute positively to our vibrant community. As we evolved through the years, we've embraced technological advancements while maintaining a personal touch. Today, we offer online banking services, mobile payments, and e-statements to ensure our members can manage their finances conveniently. Despite these changes, our mission has remained clear: to empower our members with reliable financial services while fostering a supportive environment.

Branch Location & Accessibility

Call-to-Action

Whether you're a long-time member or looking to join our community, we invite you to come by and experience the personalized service that sets Atlantic Regional apart. Have questions? Don't hesitate to call us at 207-282-2962 our team is here to help! We look forward to seeing you soon!

Nearby Landmarks and Accessibility

You can easily find us right off Main Street, with ample parking available for your convenience. We also take pride in being accessible to everyone, featuring ADA-compliant entrances and ramps. Our friendly staff is always ready to assist you with anything you may need during your visit.

Operating Hours

At Atlantic Regional, we understand that banking needs can arise at any time. That's why we offer flexible operating hours: visit us Monday and Friday from 8:30 AM to 5:00 PM, or stop by on Tuesday and Thursday between 8:30 AM and 4:00 PM. On Wednesdays, we're open from 9:00 AM to 4:00 PM. For those busy weekends, our drive-thru service is available on Saturdays from 9:00 AM to 12:00 PM, ensuring you have access when it's most convenient for you.

Services Offered

We are proud to offer a wide range of banking services tailored to meet your needs from personal checking and savings accounts to auto loans and mortgage refinancing. Need cash? Our ATM is readily available for your withdrawal needs. Plus, with drive-thru banking options for simple transactions like deposits and withdrawals, we make it easy for you to manage your finances without stepping inside if you prefer. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 477 Main St, Saco, ME 4072.

Member Eligibility

At Atlantic Regional, we believe that everyone deserves a financial partner who truly cares. Joining our community is simple and rewarding! To become a member, you need to meet certain eligibility criteria, which generally include being a resident of the area or having a family member who is already part of our credit union. We embrace all walks of life, whether you're just starting out or looking to enhance your financial journey. You can find more detailed information about our eligibility requirements by visiting this page. Once you're ready to take the next step, opening an account with us is a breeze! Just head over to our account opening page, and you'll be on your way in no time. If you have any questions, feel free to reach out at (207) 282-2962. Our friendly staff at 477 Main St Saco Me 04072 in Saco are eager to welcome you and help you start enjoying the benefits of being a member at Atlantic Regional!

Business Banking & Commercial Services

Financing Your Growth

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 That Matter

In addition to loans, our merchant services are designed to simplify transactions for business owners like you. Imagine being able to accept payments seamlessly, whether in-store or online. This flexibility allows you to focus on what truly matters growing your business and serving your customers. Visit us at 477 Main St Saco Me 04072 in Saco, ME, or give us a call at (207) 282-2962 to learn how we can support your business journey today!

Comprehensive List Of Services

Additional Services

We also provide basic drive-thru banking for quick transactions like deposits and withdrawals, along with shared branch transactions for partner credit union members. If you need access beyond normal hours, our ATMs are available for cash withdrawals and balance checks whenever you need them. If you have any questions about our services or want to explore what fits best for your needs, feel free to call us at (207) 282-2962. We invite you to visit us at 477 Main St Saco Me 04072 in Saco, ME or check out our website at Saco for more information. Join us at Atlantic Regional where your financial well-being is our priority!

Business Banking Services

For local businesses, we have tailored business banking solutions that include merchant services and business loans. We understand the challenges faced by entrepreneurs and are here to support your growth with tools designed for efficiency and convenience.

Credit Cards & Rewards

Everyone loves rewards! Our credit cards not only offer great benefits but also help you earn points on everyday purchases. With these rewards, you can treat yourself or save on future expenses.

Digital Banking Features

In today's fast-paced world, managing your finances on-the-go is crucial. That's why at Atlantic Regional, we have invested in online and mobile banking solutions that allow you to access your accounts anytime, anywhere. From checking balances to transferring funds or paying bills, everything is just a click away. Plus, our ATM services ensure you can easily withdraw cash when needed.

Personal Banking Solutions

When it comes to personal banking, we understand that every member has unique needs. That's why we provide various options, including checking and savings accounts that cater to different lifestyles. Whether you're saving for a rainy day or managing daily expenses, our accounts are designed for flexibility and ease. If you're thinking about buying a new car, our auto loans and vehicle financing options can get you behind the wheel with competitive rates tailored for you. For those looking to invest in a home or refinance an existing mortgage, our mortgage loans come with personalized assistance to make the process as smooth as possible. In addition, we offer personal loans and debt consolidation services. Whether it's for unexpected expenses or planning a special project, our loan options can help you manage your finances effectively.

Digital & Online Banking

Key Features for Your Convenience

We also provide electronic signature authorization, allowing you to sign documents securely from the comfort of your home. This means no more hassle of printing or mailing forms just quick and easy transactions right from your device. If you prefer going paperless, you'll be glad to know that e-statements are available too. Not only do they keep your information organized, but they also help the environment by reducing paper waste. For those who are always on the go, our mobile application gives you the flexibility to manage your accounts directly from your smartphone. You can make person-to-person transfers easily, so sending money to friends or family is as simple as a text message. Plus, our mobile payments feature lets you pay for purchases directly from your phone no need to carry cash or cards!

Security You Can Trust

At Atlantic Regional, security is our top priority. We use advanced encryption technologies to protect your personal information and transactions. You can feel confident knowing that your data is safe while you enjoy the benefits of modern banking. In summary, whether you're using our online services or the mobile app, managing your finances has never been easier or more secure at Atlantic Regional. Explore all that we have to offer today!

Financial Strength

A Growing Community

Total Share and Deposit Accounts stand at 125,135, showcasing a strong and growing member base that trusts us with their finances. Net Shares (funds available for lending and investments) amount to $2,288,530, further emphasizing our commitment to supporting your financial aspirations. 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 477 Main St Saco Me 04072 or call (207) 282-2962 to learn more about how we can help you achieve your financial goals.

Investing in Member Success

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 lending capacity supports your financial goals with $7,582 in used auto loans and $750,975,130 in total loans and leases.

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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

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.

Strong 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. Our net worth ratio of $1,053 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 $112,042,082 in used vehicle loans and $32,525,038 in new vehicle loans already helping members get on the road. Whether you are interested in financing a brand-new model or a reliable used vehicle, we've got you covered with flexible terms and competitive rates.

Business Financing

For business owners looking to expand their operations, we provide outstanding commercial loans totaling $87,596,784. This financial support can help your business grow and thrive in today's competitive market.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $61,220,348. With our straightforward application process and guidance from our experienced staff, you can feel confident as you navigate this important milestone.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our loan products, we encourage you to reach out. Our team is here to discuss your specific needs and help determine what options may be available for you. Our branch is conveniently located at 477 Main St Saco Me 04072, and we're always happy to answer your questions at 207-282-2962. Remember that all performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at Atlantic Regional to learn more about how we can assist you in achieving your financial dreams!

Unsecured Credit Card Loans

Managing finances effectively is essential for everyone. We also offer flexible terms on unsecured credit card loans, with a total of $12,556,819 in loans available. These credit cards can help you manage everyday purchases while giving you access to funds when unexpected expenses arise.

Loan Aggregator

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ATLANTIC REGIONAL FEDERAL CREDIT UNION