Cumberland County Gray ME Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Cumberland County, your trusted financial partner located at 43 Lewiston Rd, Gray, ME 04039. Since our establishment in 1954, we have proudly served the community, building a strong foundation based on trust and reliability. With over 22,307 members counting on us, we are dedicated to providing personalized banking solutions tailored to your needs. At Cumberland County, we understand that financial decisions can be daunting. That's why our team, led by CEO Scott Harriman and Board President Alexis D'Ascanio, is committed to making your experience as smooth as possible. Whether you're looking for a new car loan or need assistance with mortgage refinancing, our friendly staff is here to help. With total assets reaching an impressive $444,469,216 and total deposits of $31,745,728, you can rest assured that your money is in safe hands. We offer a range of services including personal banking accounts, auto loans, credit cards with rewards, and business banking options to suit everyone from individuals to local businesses. While members can visit us at 43 Lewiston Rd, official correspondence should be sent to our mailing address: 43 Lewiston Rd, Gray, ME 04039-9537. Our commitment goes beyond just numbers; it's about making a positive impact in our community. We take pride in empowering our members through financial education and support. Ready to take the next step? Feel free to reach out at 207-657-4777 or visit our website at myccfcu.com for more information on how we can assist you today!

Branch History & Mission

At Cumberland County, we take pride in our rich legacy and unwavering commitment to the community. Since opening our doors in 1954, we have become a trusted financial partner for residents of Gray, ME, and surrounding areas. Nestled at 43 Lewiston Rd, our branch has grown significantly over the years, now serving more than 22,000 members with total assets reaching an impressive $444,469,216. Our mission is simple yet profound: to empower our members by providing accessible financial services while nurturing a supportive community environment. We believe that banking should not just be about transactions; it's about building relationships and improving lives. Our dedicated team works tirelessly to offer a range of services from personal banking and auto loans to business financing ensuring that everyone can achieve their financial goals. While you can visit us at our branch address, for any official correspondence please use our mailing address: 43 Lewiston Rd, Gray, ME 04039-9537. Whether you're stopping by for a quick transaction or seeking advice on your financial journey, we are here to help. In addition to our robust offerings like online and mobile banking, ATMs, and drive-thru services for your convenience, we continuously strive to enhance accessibility for all members of the community. We proudly uphold ADA compliance standards and are committed to using technology that makes banking easier for everyone. Community engagement is at the heart of what we do. We actively seek partnerships with local organizations to support various outreach efforts aimed at improving the quality of life for residents in Gray and beyond. Our goal is not just to serve but also to uplift those around us. Join us in this journey! Experience firsthand the benefits of being part of Cumberland County. Together, let's build a brighter financial future for you and your family. Visit us during our operating hours Monday through Thursday from 8:30 AM to 4:30 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 8:00 AM to noon or give us a call at 207-657-4777. We look forward to welcoming you into our family!

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with accessibility in mind, featuring ramps and ADA-compliant entrances to ensure everyone can access our services with ease. Plus, ample parking is available right outside our doors, so you won't have to worry about finding a spot.

Operating Hours

We understand that your time is valuable. That's why our lobby hours are set up for your convenience: Monday through Thursday from 8:30 AM to 4:30 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 8:00 AM until noon. We strive to accommodate your busy schedule so you can manage your banking needs when it works best for you.

Services Offered

At the Cumberland County branch, we offer a wide range of services to meet all your banking needs. From personal checking and savings accounts to auto loans and mortgages, our friendly staff is here to assist you every step of the way. If you're on the go, feel free to use our drive-thru banking for quick transactions or access our ATM for cash withdrawals and balance checks anytime. If you have any questions or need assistance, don't hesitate to reach out! You can call us at 207-657-4777 or simply drop by during our operating hours. We look forward to welcoming you soon!

Member Eligibility

At Cumberland County, we believe that everyone deserves a supportive community to help them achieve their financial goals. Becoming a member is simple and welcoming! If you live, work, or worship in the area, or if you have a family member who is already a member, you can join us. Our membership is designed to be inclusive, so whether you're just starting your financial journey or looking for ways to enhance your existing plans, we're here for you. Once you're ready to take the next step, opening an account with us is easy. Just visit us at our branch located at 43 Lewiston Rd Gray Me 04039 or give us a call at (207) 657-4777 for more details. You can also check out the specific eligibility requirements and get all the latest updates by visiting our website at . We can't wait to welcome you into our Cumberland County family!

Business Banking & Commercial Services

Lending Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Simplify Transactions

Imagine a busy Saturday morning at your café. Customers are lining up for their favorite brews while you juggle orders and payments. Our merchant services simplify this process, allowing you to accept payments seamlessly so you can focus on what matters serving your customers. With tools that help track sales and manage inventory, we're here to support you every step of the way. Visit us at 43 Lewiston Rd Gray Me 04039 in Gray, ME or call us at (207) 657-4777 to learn how we can partner with you in your business journey!

Comprehensive List Of Services

Business Banking Support

For local business owners, we offer tailored solutions through our Business Banking services. This includes essential Merchant Services that simplify payment processing and various types of Business Loans that can help you expand or sustain your operations. We understand the importance of supporting local businesses and are committed to helping them thrive.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking platforms give you the ability to manage your accounts from anywhere, whether it's paying bills from home or transferring funds while on the go. Features like ATM & Cash Withdrawal Services ensure that accessing your money is never a hassle. Plus, with our basic drive-thru banking options available for deposits and withdrawals, we're here to make banking easy.

Credit and Debt Management

If you're looking to consolidate debt or make a big purchase, our Personal Loans & Debt Consolidation services offer flexible terms and competitive rates. And don't forget about our Credit Cards with Rewards, which allow you to earn points on everyday purchases while managing your expenses wisely.

Get Started Today!

We invite you to explore all that Cumberland County has to offer by visiting us at our branch in Gray or calling us at 207-657-4777. Experience firsthand how our commitment to exceptional service can help you achieve your financial goals. For more details on opening an account or applying for loans, visit us online at myccfcu.com. Let's take this journey together towards better financial health!

Personal Banking Solutions

For those who want to manage their finances with ease, our Personal Banking options are tailored just for you. From Checking & Savings Accounts that help you save for everyday expenses to specialized Auto Loans & Vehicle Financing, we've got you covered. Imagine driving off in your new car, knowing you've secured a great deal with a loan that fits your budget. Additionally, if you're thinking about buying a home or refinancing your existing mortgage, our Mortgage Loans & Refinancing options can provide the financial support you need.

Digital & Online Banking

Key Features

Security is a top priority for us. With electronic signature authorization available, you can sign documents securely online, saving time and ensuring peace of mind. Plus, our mobile application enhances your banking experience by allowing you to manage your accounts directly from your smartphone. And if you're on the go, you can enjoy mobile payments, making it easier than ever to complete transactions with just a tap. Need to send money to friends or family? Our person-to-person transfer feature lets you do just that with minimal effort. It's perfect for splitting bills or sending gifts without needing cash. With all these features and more at your fingertips, managing your finances has never been easier. Join us at Cumberland County and experience the benefits of modern banking today!

Financial Strength

Dedicated Team Ready to Serve You

We also take pride in having 62 full-time employees who are dedicated to providing excellent service. Each team member is committed to understanding your unique needs and helping you achieve your financial aspirations.

Growing Member Base

Total Share and Deposit Accounts: 51,220, shows a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $584,250, we have the resources necessary to support your plans for the future. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cumberland County is your trusted partner. Visit us at 43 Lewiston Rd Gray Me 04039 or call (207) 657-4777 to learn more about how we can help you achieve your financial goals.

Reinvestment for Better Services

Our commitment to you extends beyond basic banking. With $39,225,547 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This strategy ensures that we adapt to your evolving financial needs while maintaining a robust operational framework.

Secure Savings Opportunities

Members' savings are secured through $111,386,505 in share certificates and $96,072,945 in money market shares, offering stable and rewarding financial growth opportunities. This focus on safeguarding your assets allows us to prioritize your needs over those of non-members. In fact, with non-member deposits at $0, our resources are directed towards benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $41,588,832, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $936 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

With $3,767 in used auto loans and $249,071,399 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our impressive $2,363,285 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $64,280,984 in used vehicle loans and $18,860,829 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to assist you every step of the way.

Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $2,850,519 in loans helping members manage their finances effectively, our credit cards come with rewards that can benefit you while you spend.

Credit Lines and Other Financing Options

For those who may need extra flexibility in their budget or are looking for business financing options, we provide credit lines totaling $52,696,625. This allows members to access funds when needed without the hassle of traditional loan applications. Feel free to reach out if you have any questions about our loan offerings or if you'd like more information on how to get started. You can contact us at (207) 657-4777 or visit us at our branch located at 43 Lewiston Rd Gray Me 04039, Gray, ME 4,039. 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 achieve your financial aspirations today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $41,852,929, making it easier than ever for you to settle into your dream home. If you're considering refinancing your current mortgage, be sure to ask about our competitive rates and eligibility options.

Loan Aggregator

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 ensures that all loan offers presented are fair and transparent. By relying on verified financial institutions, LendMesh provides users with peace of mind that they are seeing accurate information.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: You will find up-to-date loan rates from multiple institutions, helping you make informed decisions without delay. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and reliable the platform is for those seeking loans. Ready to take control of your finances? Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

CUMBERLAND COUNTY FEDERAL CREDIT UNION