Dirigo Credit Union Mechanic Falls ME | Best Auto Loans & Business Banking

Introduction

Welcome to Dirigo Credit Union, your trusted financial partner located at 1 Lewiston St, Mechanic Falls, ME 04256. Since our establishment in 1956, we have proudly served the community, growing to a membership of over 27,278 individuals who rely on us for their banking needs. With total assets reaching an impressive $429,231,950, we are committed to providing our members with the best possible financial services. At Dirigo, we understand that banking is not just about numbers; it's about building relationships and supporting our community. That's why we offer a variety of services tailored to meet your needs, from personal and business loans to checking and savings accounts. Our dedicated team of 71 employees, led by CEO Mark Samson and Board President Steve Mennealy, is here to guide you every step of the way. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 741, Lewiston, ME 04243-0741. We encourage you to explore our website at www.dirigofcu.com for more information about our products and services. With a strong foundation built on trust and reliability, Dirigo Credit Union is here to help you achieve your financial goals. Whether you're looking for a new auto loan where we currently manage over 18,627 loans or simply want to discuss your savings options with one of our friendly staff members, we invite you to reach out by calling us at 207-346-3001. Join us today and become part of a credit union that truly cares about its members!

Branch History & Mission

Community Engagement

We understand that being a part of the community means more than just providing services; it means giving back. Through local sponsorships and volunteer efforts, Dirigo plays an active role in enriching the lives of those around us. Together with our members, we foster a spirit of collaboration that strengthens not just individual finances but the entire community.

Join Us

We invite you to become part of the Dirigo family. Experience firsthand how we can help you achieve your financial goals while making a positive impact in our community. For more information on becoming a member or opening an account, please visit us at our website or call us at (207) 346-3001 today! Let's grow together!

Our Journey

Dirigo began its journey in 1956, with a vision to provide accessible financial services to the local community. Over the years, we have seen remarkable growth, now proudly supporting over 27,278 members and managing assets totaling $429,231,950. Our branch, located at 1 Lewiston St Mechanic Falls Me 04256, is easily accessible for all your banking needs. If you need to send us official correspondence, please use our mailing address: PO Box 741, Lewiston, ME 04243-0741. As we grew, so did our services. We are proud to offer a wide range of banking options, including personal checking and savings accounts, auto loans, mortgages, and business banking solutions. Our commitment to providing top-notch service is reflected in our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to Noon.

Our Mission

At Dirigo, our mission is simple yet powerful: We strive to empower our members by providing them with the tools they need for financial success while actively supporting the community around us. Our team is dedicated not only to meeting your banking needs but also to enhancing the quality of life in Mechanic Falls through various outreach initiatives and partnerships. We believe that everyone deserves access to reliable financial services. That's why we focus on customer-centric practices, ensuring that every member feels valued and understood. Whether it's through our ADA-compliant facilities or digital offerings like online banking and mobile payments, we aim to make your experience as seamless as possible.

Branch Location & Accessibility

Connect With Us

If you have any questions or would like more information about our services, feel free to give us a call at 207-346-3001. We invite you to visit us soon at Dirigo Credit Union in Mechanic Falls. Your financial journey starts here!

Nearby Landmarks and Accessibility Features

Our branch is close to several local landmarks, including the picturesque Mechanic Falls Park. With ample parking available right outside, visiting us is hassle-free. We prioritize accessibility for everyone; our location features ramps and is fully compliant with ADA standards.

Operating Hours and Services Offered

At Dirigo Credit Union, we understand that convenience matters. That's why we're open Monday through Friday from 9 AM to 5 PM and offer Saturday drive-thru service from 9 AM to noon. Whether you're looking to open an account, apply for a loan, or simply check your balance, our friendly staff is here to help. We provide a wide range of services tailored to meet your needs personal banking options like checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and even business banking solutions. Plus, with ATM availability and basic drive-thru services for quick transactions, we ensure you have everything you need right at your fingertips.

Member Eligibility

At Dirigo, we believe that everyone deserves a supportive financial community. Joining us as a member is simple and welcoming! To be eligible, you need to either live, work, worship, or attend school in the areas we serve, or have a family member who is already a member. This means if you're in our community, you're likely already on your way to becoming part of our family! Membership at Dirigo comes with many benefits, including access to personalized banking services, lower loan rates, and opportunities for savings that can really make a difference in your financial journey. If you want to learn more about the specific eligibility criteria, feel free to check out our detailed guide at https://www.dirigofcu.com/resources/become-a-member/. When you're ready to open an account and start enjoying all the advantages of membership, the process is quick and straightforward. You can find everything you need at https://app.loanspq.com/apply.aspx?lenderref=dirigofcu010919&type=1&list=plvlccxasa1bst. If you have any questions or need assistance, don't hesitate to give us a call at (207) 346-3001. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing Your Vision

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $29 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $5,047,984, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

In addition to loans, we offer robust merchant services that allow you to accept payments easily and efficiently. Imagine being able to process transactions seamlessly, ensuring your customers have a smooth shopping experience while you focus on running your business. Our services can help streamline your operations, giving you more time to concentrate on what matters most growing your business. Visit us at 1 Lewiston St Mechanic Falls Me 04256 or call us at (207) 346-3001 to learn how we can partner with you on your journey to success!

Comprehensive List Of Services

Additional Services

For those quick transactions, our drive-thru banking allows you to perform deposits and withdrawals without leaving your car. Plus, if you're ever in need of cash outside regular hours, our basic ATM access ensures you're covered.

Digital Banking Convenience

In today's fast-paced world, having access to your finances at your fingertips is crucial. At Dirigo, we pride ourselves on our advanced online and mobile banking services. With just a few taps on your smartphone or clicks on your computer, you can manage accounts, pay bills, and transfer money easily. You can even use our ATM services for cash withdrawals or balance checks without stepping into the branch.

Join Us Today!

Whether you're in Mechanic Falls or nearby areas, we invite you to visit us at Dirigo or give us a call at 207-346-3001 for more information about how we can help with all your financial needs. Explore all these services further by visiting our website at dirigofcu.com. We look forward to being part of your financial journey!

Lending Options

Sometimes life requires extra financial support. Our personal loans can assist with everything from debt consolidation to unexpected expenses. With flexible terms and quick approvals, we aim to ease any financial burden you might be facing. Additionally, for those who enjoy rewards while spending, our credit cards come with benefits that can enhance your purchasing experience. For small business owners, we offer robust business banking services including merchant services and business loans. We know how vital it is for businesses to have access to funds when they need them most.

Personal Banking Solutions

We understand that personal banking is essential in your daily life. That's why we offer a variety of checking and savings accounts designed to help you manage your finances effectively. Our accounts come with features that make it easy to access your money whenever you need it. Imagine having the peace of mind knowing that your funds are safe while still earning interest. If you're considering a new car or simply need a reliable mode of transportation, our auto loans and vehicle financing options are made just for you. We provide competitive rates that help make owning a vehicle more affordable. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans will guide you through the process smoothly.

Digital & Online Banking

At Dirigo, we understand that managing your finances should be as easy and secure as possible. Our digital and online banking services are designed to offer you convenience right at your fingertips, allowing you to handle your banking needs anytime, anywhere. One of the standout features is our comprehensive online banking platform available at https://www.dirigofcu.com/. With 24/7 access, you can check your account balances, transfer funds, and pay bills whenever it suits you. Plus, if you're on the go, our user-friendly mobile application gives you all these capabilities in the palm of your hand. We also offer e-statements for those who prefer a paperless experience. You can easily access your statements online, making it simpler to keep track of your finances without the clutter of physical paperwork. And with electronic signature authorization available, signing documents has never been easier or more secure. Our mobile payments feature allows you to make transactions quickly and safely from your smartphone. Whether you're splitting a dinner bill with friends or paying for groceries, our person-to-person transfer option makes sending money a breeze. Security is a top priority at Dirigo. We utilize advanced measures to keep your information safe while giving you peace of mind as you manage your accounts online. In summary, our digital banking services not only enhance accessibility but also provide real-time account management that fits seamlessly into your lifestyle. Experience the ease of banking with us today!

Financial Strength

Committed Team

We also take pride in having 70 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Your satisfaction is our priority.

Growing Together

Total Share Accounts: 57,910, showing a strong and growing member base that trusts us with their finances. Our operational efficiency is evident with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Dirigo is your trusted partner. Visit us at 1 Lewiston St Mechanic Falls Me 04256 or call (207) 346-3001 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.*

Investing in Your Future

With $46,537,677 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is reflected in our $5,758 in used auto loans and $343,555,273 in total loans and leases, supporting your financial goals across various sectors.

Member Savings Secured

Your savings are safe with us. Members' funds are backed by $107,218,301 in share certificates and $65,374,814 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.

Our Solid Foundation

With a net worth of $46,539,106, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,084 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

Additional Benefits

If you're considering refinancing options or checking your eligibility for any of our loan products, we're here to assist. Our dedicated team is ready to answer questions and guide you through our offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about our loan products or to discuss your specific needs, feel free to contact us at 207-346-3001. Let us help you take the next step towards achieving your financial dreams!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $98,488,735 in used vehicle loans and $31,961,046 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make financing your next vehicle easier than ever.

Business Loans

For business owners, our outstanding commercial loans totaling $5,047,984 provide the capital needed to grow and expand. We work closely with local businesses to tailor financing solutions that fit their specific needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $13,204,925, making buying or refinancing simple. We guide you through the process and help you find the right plan for your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,717,860 in loans helping members manage their finances effectively. These cards can be an excellent option for those looking to build credit while enjoying low rates and rewards.

Loan Aggregator

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Ensuring Accurate 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 commitment ensures fair and transparent offers for all users. By relying on verified data, LendMesh guarantees that the loan offers presented are legitimate and trustworthy.

Dirigo