Downeast Credit Union Belfast ME | Affordable Auto Loans & ATM Services

Introduction

Welcome to Downeast Credit Union, your trusted financial partner in Belfast, ME! Established in 1941, we have proudly served our community for over eight decades, helping our members achieve their financial goals with personalized service and a range of banking solutions. Located at 92 Lincolnville Ave, our branch is dedicated to providing the best support for your needs. With a total membership of 22,994 and assets exceeding $289,364,810, we are committed to making a positive impact in the lives of our members. Our robust offerings include personal banking services such as checking and savings accounts, auto loans, mortgage options, and business banking solutions. We understand that financial journeys can be challenging; that's why our experienced team is here to guide you every step of the way. While members can visit us at 92 Lincolnville Ave, official correspondence should be sent to the same address. Our dedicated staff operates from 9:00 a.m. to 4:00 p.m., Monday through Friday, ensuring that we are available when you need us most. Under the leadership of CEO Joseph Moses and Board President Mason Pottle, we strive to foster a welcoming environment where everyone feels valued. With total deposits reaching $9,694,867 and cash on hand amounting to $4,167,319, Downeast Credit Union is financially sound and well-prepared to meet your needs. Whether you're looking for help with loans over 16,915 loans have been issued or simply want to discuss your financial future, we're here for you. Ready to take the next step? Give us a call at 207-338-0043 or visit our website at Downeast Credit Union to learn more about how we can assist you today!

Branch History & Mission

At Downeast, we take pride in our rich history and unwavering commitment to serving the community of Belfast, Maine. Founded in 1941, our credit union has grown alongside its members, evolving from a small financial institution into a trusted partner for nearly 23,000 individuals and families. Our branch is located at 92 Lincolnville Ave, a convenient spot for local residents and just a stone's throw away from the beautiful waterfront area that Belfast is known for. Over the years, Downeast has achieved remarkable milestones. We have amassed total assets of $289,364,810, ensuring that we can continue providing valuable services to our members. Our dedicated team of 87 employees works tirelessly to offer personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also embrace modern banking conveniences like online and mobile banking, ensuring our members can manage their finances easily. Our mission at Downeast is simple yet powerful: to enrich the lives of our members through exceptional financial services while fostering a strong sense of community. We believe in supporting our local economy and actively engage in outreach programs to help those in need. Whether it's partnering with local organizations or sponsoring community events, we are dedicated to making a positive impact. While members can visit us at 92 Lincolnville Ave for all their banking needs, official correspondence should be sent to our mailing address: 92 Lincolnville Ave, Belfast, ME 4915. Our operating hours are Monday through Friday from 9:00 a.m. to 4:00 p.m., providing ample opportunity for members to access our services. We understand that convenience matters; that's why we offer ATM availability and drive-thru banking options for easy access to your funds. Additionally, our shared service center allows us to extend services even further by collaborating with partner credit unions. As we look toward the future, we remain committed to enhancing member experience through digital advancements while ensuring ADA compliance so everyone can bank with us comfortably. If you're looking for a financial partner that truly cares about you and your community, we invite you to join Downeast today. Experience firsthand the benefits of being part of a credit union that prioritizes your needs and supports the growth of Belfast. Visit us or check out more information on our website at Downeast Credit Union.

Branch Location & Accessibility

Call Us Today!

We invite you to come by and experience the welcoming atmosphere of Downeast in Belfast. If you have any questions or would like more information about how we can serve you better, please don't hesitate to call us at 207-338-0043. We look forward to helping you achieve your financial goals!

Convenient Access and Amenities

At our Belfast branch, we prioritize accessibility for all members. Our location features ADA-compliant entrances and ramps to ensure everyone can visit us without hassle. Plus, ample parking is available right outside, so you won't have to worry about finding a spot when you arrive. While our main branch address is 92 Lincolnville Ave, feel free to send any official correspondence to the same address as our mailing address: 92 Lincolnville Ave, Belfast, ME 4915.

Operating Hours and Services

We're here for you from 9:00 a.m. to 4:00 p.m., Monday through Friday. During these hours, our dedicated team is ready to assist with a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we offer everything under one roof. For those who prefer drive-thru convenience, we also provide basic drive-thru banking services for deposits and withdrawals. And if you're looking for ATM access, we've got that covered too! Our ATM is available for cash withdrawals and balance checks whenever you need it.

Member Eligibility

At Downeast, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and open to anyone who lives, works, or attends school in the areas we serve. You'll find that joining us means gaining access to a range of financial services designed with your needs in mind, from competitive loan rates to personalized customer service. To get started, you can visit us at our branch located at 92 Lincolnville Ave Belfast Me 04915 or give us a call at (207) 338-0043. For more detailed eligibility criteria and information, check out our membership page at https://www.downeastcu.com/membership/. Once you're ready, opening an account is just a click away through this link: https://app.loanspq.com/apply.aspx?lenderref=downeast071019&list=vlccplhest. We can't wait to welcome you into the Downeast family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, our merchant services make it easier for you to manage transactions and serve your customers effectively. Whether you're accepting payments online or at your brick-and-mortar location, we provide tools that help streamline your operations. This means more time for you to focus on what really matters growing your business. Located at 92 Lincolnville Ave Belfast Me 04915 in Belfast, ME, our team is ready to partner with you on your business journey. If you're looking for personalized service and financial solutions that truly fit your needs, contact us today at (207) 338-0043.

Tailored Loan Options

Imagine securing the funds you need to expand your operations or invest in new equipment. 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.

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner or entrepreneur, we've got you covered with our comprehensive business banking services. From merchant services that facilitate payments to various types of business loans, we aim to support your growth and success.

Convenient Access & Support

Accessing your accounts is quick and easy with our ATM services available for cash withdrawals and balance checks. For those who prefer face-to-face interactions, our drive-thru banking offers convenience for deposits, withdrawals, and simple transactions without leaving your car. Additionally, we provide basic shared branch transactions for members of partner credit unions, making it easier for everyone.

Credit Cards & Loans

For those unexpected expenses or when life throws you a curveball, consider our personal loans and debt consolidation options. These loans can provide peace of mind by helping you manage your finances more effectively. Plus, don't forget about our credit cards with rewards, which let you earn points on everyday purchases while enjoying low interest rates.

Get Started Today!

We invite you to explore how Downeast can assist you with all your financial needs. Our friendly staff is always ready to help answer any questions or guide you through our services. Feel free to call us at (207) 338-0043 during our operating hours from 9:00 a.m. to 4:00 p.m., Monday through Friday. Join us today at Belfast, where we're committed to providing exceptional service and support for every member's journey toward financial well-being! For more information about opening an account or becoming a member, visit us online at https://www.downeastcu.com/.

Personal Banking

Our personal banking services are tailored to support your everyday financial needs. We offer checking and savings accounts that make managing your money easy and convenient. Imagine effortlessly accessing your funds through our online and mobile banking platforms, which allow you to check balances, transfer money, and pay bills from the comfort of your home or on-the-go. If you're thinking about buying a vehicle, our auto loans and vehicle financing options can help get you behind the wheel without breaking the bank. With competitive rates and flexible terms, we make it simple for you to drive away with the car you want. Additionally, if you're planning to buy a home, our mortgage loans and refinancing services are designed to fit your lifestyle and budget.

Digital & Online Banking

Key Features

One of the standout features of our online banking service is the availability of e-statements. This means no more paper clutter; you can easily access your statements whenever you need them. Plus, we offer electronic signature authorization, making it simple to sign documents securely from the comfort of your home. If you're always on the go, our mobile application is here to help. With the app, you can make mobile payments, enabling quick transactions right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature allows you to do just that without any hassle.

Security and Support

We prioritize your security. Our online services are equipped with advanced security features to protect your information. You can bank confidently knowing that your data is safe with us. And if you ever have questions or need assistance, our dedicated support team is available to help. With 24/7 online banking services, help is just a click away. Join us at Downeast today and discover how easy it is to take control of your finances with our comprehensive digital banking solutions!

Financial Strength

Growing Together

Total Share Accounts: 42,317, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $219,089. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Downeast is your trusted partner. Visit us at 92 Lincolnville Ave Belfast Me 04915 or call (207) 338-0043 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $26,078,853 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to provide support is reflected in our lending capacity; with $6,734 in used auto loans and $243,969,098 in total loans and leases, we're here to help you achieve your financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $79,895,844 in share certificates and $41,270,802 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $24,560,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $416,165 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 86 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $28,134,222, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.67% 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 $128,988,149 in used vehicle loans and $33,918,821 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or finding the perfect used vehicle, we have flexible terms that can fit your budget.

Credit Lines and Refinancing Options

For those who need additional financial flexibility, our total credit lines amounting to $25,396,820 give members access to funds when they need them most. If you're looking to refinance an existing loan or want to explore eligibility options for any of our products, our team is here to assist you with personalized support. At Downeast, located at 92 Lincolnville Ave Belfast Me 04915 in Belfast, ME, our commitment is to serve you better every day. Reach out to us at (207) 338-0043 during our operating hours of 9:00 a.m. to 4:00 p.m., Monday through Friday, or visit our website at Downeast for more information. Your financial journey is important to us, and we are dedicated to providing the tools and support you need along the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,851,727, make buying or refinancing simple. We provide guidance throughout the mortgage process to ensure you feel confident every step of the way.

Unsecured Credit Cards

Managing day-to-day expenses is easier with our unsecured credit card loans. We offer flexible terms on unsecured credit card loans, with a total of $9,401,101 in loans helping members manage their finances effectively. This means you can handle everyday purchases while benefiting from our low-interest rates.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they receive is accurate and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Each comparison reflects genuine rates without influence from advertisers. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can compare options quickly and effectively, helping them make informed decisions about their financial future. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the impact of using this tool for better financial outcomes. 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.

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 ensures that users receive fair and transparent offers. By partnering with reputable financial institutions, LendMesh provides a reliable foundation for making informed borrowing decisions.

DOWNEAST CREDIT UNION - Belfast, ME

Compare Loan Rates Near You

Loan rates in Belfast, ME (04915)