Capital Area Credit Union Augusta ME | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Capital Area, your trusted financial partner since 1954. Located at 2010 N Belfast Ave, Augusta, ME 04330, we pride ourselves on providing a friendly and personalized banking experience tailored to the needs of our community. With a robust membership of over 4,045 members and total assets reaching an impressive $64,628,524, we are dedicated to fostering financial well-being for all who walk through our doors. At Capital Area, our commitment extends beyond numbers. We understand that every member's financial journey is unique, and that's why we offer a wide range of services from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. Whether you're looking for a reliable credit card with rewards or business banking options such as merchant services and business loans, we're here to support you every step of the way. Our leadership team, led by CEO Diana Winkley and Board President Thomas Doore, ensures that we stay focused on our mission: serving our members with integrity and compassion. With a dedicated staff of 14 employees, we work hard to create a welcoming environment where you can feel confident in your financial choices. While members can visit us at our main office location, official correspondence should be directed to the same address: 2010 N Belfast Ave, Augusta, ME 4330. Feel free to reach out via phone at (207) 622-3442 or fax us at (207) 623-4133 for any inquiries you may have. Join us at Capital Area and experience banking that puts you first. Visit our website at capitalareafcu.org today or stop by to discover how we can help you achieve your financial goals!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to be part of our journey. Experience firsthand the benefits of membership with Capital Area where your financial health matters most. Together, let's build a stronger community! For more information or to open an account today, visit us online at capitalareafcu.org/enroll or call us at 207-622-3442. Join us in making a difference!

Our Evolution

From humble beginnings, Capital Area has continually evolved to meet the changing demands of our members. With a current total asset value of $64,628,524, we have expanded our offerings to include personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards. Our commitment to helping our members achieve their financial goals is unwavering. Our branch is conveniently located at 2010 N Belfast Ave, just a stone's throw from several local landmarks that make Augusta vibrant. Whether you're visiting us in person or accessing services online through our user-friendly website at capitalareafcu.org, we ensure that your experience is both welcoming and efficient. While members can visit us at 2010 N Belfast Ave, official correspondence should be sent to our mailing address at 2010 N Belfast Ave, Augusta, ME 04330. Our operating hours are designed with your convenience in mind: Monday and Thursday from 7 AM to 5:30 PM; Tuesday and Wednesday from 8 AM to 5 PM; and Friday from 7 AM to 5:30 PM.

Our Mission

At Capital Area, our mission goes beyond providing financial services. We strive to enhance the well-being of our community by supporting local initiatives and fostering partnerships that uplift those around us. Our dedicated team is committed to delivering outstanding service while ensuring that all members have access to essential resources whether through drive-thru banking or shared service centers. We also embrace technology with features like online banking, mobile payments, and e-statements, ensuring that our services are accessible to everyone in a secure manner. We take pride in being ADA compliant so that everyone can benefit from what we offer.

Branch Location & Accessibility

Convenient Access and Features

At Capital Area, we understand the importance of accessibility. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably. While you come in for personal banking services, you'll find ample parking available right outside our doors. Our lobby hours are designed with your schedule in mind: join us Monday, Thursday, and Friday from 7 AM to 5:30 PM, and on Tuesday and Wednesday from 8 AM to 5 PM. If you prefer a quicker visit, take advantage of our drive-thru service for deposits, withdrawals, and simple transactions without leaving your vehicle.

Services Tailored for You

We offer a range of services tailored to meet your financial needs. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or even credit cards with rewards, we've got you covered. Additionally, our shared service center allows partner credit union members to conduct basic transactions seamlessly. Should you need any assistance or have questions about your accounts, feel free to reach out at 207-622-3442. We're here to help! While members can visit us at 2010 N Belfast Ave, official correspondence should be sent to the same address as our mailing address: 2010 N Belfast Ave, Augusta, ME 04330. So why wait? Swing by Capital Area today and experience friendly service and financial solutions tailored just for you! We look forward to seeing you soon!

Member Eligibility

Becoming a member of Capital Area is like joining a close-knit family where everyone is valued and supported. If you live, work, worship, or attend school in Kennebec County, you're already on your way to enjoying all the benefits that come with membership. At Capital Area, we pride ourselves on offering personalized service and a range of financial products tailored to meet your needs. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, our friendly team is here to help you every step of the way. Joining us is simple! To get started, just visit our website for more details on eligibility, where you'll find everything you need to know about becoming part of our community. Once you're ready, opening an account is easy just head over to https://my.capitalareafcu.org/enroll to fill out your application online. If you have any questions or need assistance, feel free to call us at (207) 622-3442. We can't wait to welcome you into the Capital Area family!

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 $6 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $2,729,825, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer essential merchant services that streamline your payment processes. Imagine running your business without worrying about how you'll accept payments from customers. Our merchant services make it easy for you to focus on what really matters growing your business. From point-of-sale systems to online payment solutions, we've got you covered. For more information on how Capital Area can support your business journey, visit us at 2010 N Belfast Ave Augusta Me 04330 in Augusta, ME or call us at (207) 622-3442. Let's work together towards your success!

Comprehensive List Of Services

Business Banking Services

We also cater to local businesses with our comprehensive business banking services. From merchant services that simplify payment processing to business loans designed to fuel your growth, we understand what it takes to run a successful operation in today's economy.

Convenience and Accessibility

At Capital Area, convenience is key. With features like ATM & cash withdrawal services, you can access your funds whenever necessary. Although we currently do not have ATMs on site, our drive-thru service allows for quick transactions such as deposits and withdrawals directly from your vehicle perfect for busy days! Additionally, if you're a member of another participating credit union, our shared branch transactions make it easy for you to conduct basic banking activities wherever you go.

Credit Card Options

Don't forget about our credit card offerings! Our credit cards with rewards let you earn points on everyday purchases. It's a great way to enjoy benefits while managing your spending effectively.

Final Thoughts

In conclusion, whether you need personal banking solutions or business services, Capital Area is here for you every step of the way. We pride ourselves on being more than just a financial institution; we're a partner in your success. If you're ready to learn more about how we can assist with your financial needs or if you'd like to open an account today, please call us at 207-622-3442 or visit us online at capitalareafcu.org. Let us help you achieve your financial goals!

Personal Banking Solutions

Starting with personal banking, we offer a variety of checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to manage your accounts anytime and anywhere. You can effortlessly check balances, transfer money, and even make payments on the go. If you're considering buying a new car, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. With competitive rates and flexible terms, financing your dream car is just a click away. Plus, if you're interested in homeownership or refinancing an existing mortgage, our mortgage loans provide affordable solutions with personalized support throughout the process. For those unexpected expenses or consolidating debt, our personal loans can give you the financial relief you need. We work closely with you to find the best loan structure that fits your budget.

Digital & Online Banking

Key Features

Our services include electronic signatures, which means you can sign documents without the hassle of printing and scanning. Say goodbye to paperwork! Additionally, we provide e-statements so you can view your account statements online at any time. This not only helps in reducing clutter but also makes it easy to track your finances. For those on the go, our mobile application is available for download, putting all your banking needs right in your pocket. You can also make mobile payments effortlessly with just a few taps on your phone. Plus, our person-to-person transfer feature allows you to send money to friends and family easily no cash needed!

Security & Accessibility

Security is paramount at Capital Area. We use advanced technology to protect your personal information and transactions. You can feel confident knowing that your data is safeguarded while you enjoy the ease of managing your finances digitally. Whether you're at home or out and about, our digital banking solutions are designed with ease-of-use in mind. With real-time account management capabilities, you'll always be informed about your financial status. Join us at Capital Area and discover how our digital and online banking services can simplify your life while keeping your finances secure!

Financial Strength

At Capital Area, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that trusting your finances with us is an important decision, and we are proud to showcase our strong financial position. With a net worth of $10,861,778, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1680 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $7,827,896 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,588,914, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $10,823,438 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is supported by $9,570 in used auto loans and an impressive total of $54,803,605 in loans and leases, empowering members to achieve their financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, which allows us to continue providing competitive loan rates and solid financial products for our members. We also take pride in having 14 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. With 8,254 total share accounts, we have a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Capital Area is your trusted partner. Visit us at 2010 N Belfast Ave Augusta Me 04330 or call 207-622-3442 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $18,305,082 in used vehicle loans and $4,151,469 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a pre-owned vehicle, we have options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $2,729,825 provide the capital needed to grow and expand your business. We understand the unique challenges faced by entrepreneurs and are here to support your journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we can assist you with other financing needs and guide you through the mortgage process.

Refinancing Options

If you're considering refinancing any existing loans, be sure to ask about our refinancing options. We can help you find ways to lower your monthly payments or adjust your loan terms for better affordability. At Capital Area, we're committed to making the loan process as straightforward as possible. You can contact us at 207-622-3442 or visit us at 2010 N Belfast Ave, Augusta ME 04330 for more information about our loan products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can help you take the next step in your financial journey today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $742,605 in loans helping members manage their finances effectively. Our credit cards come with various rewards and benefits designed to suit your lifestyle.

Loan Aggregator

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How LendMesh Ensures 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 rigorous sourcing ensures that users receive fair and transparent offers that reflect current market conditions.

CAPITAL AREA FEDERAL CREDIT UNION - Augusta, ME

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