Downeast Credit Union Calais ME | Affordable Auto Loans & ATM Access

Introduction

Welcome to Downeast, your trusted credit union located at 254 North St, Calais, ME 04619. Since our establishment in 1941, we have proudly served our community, growing to a strong membership of 22,994 individuals who depend on us for their financial needs. At Downeast, we understand that banking is about more than just numbers; it's about building relationships and supporting our members through every stage of life. With total assets amounting to an impressive $289,364,810 and total deposits of $9,694,867, we are well-equipped to provide you with a range of services tailored to your unique financial journey. Our commitment to you goes beyond traditional banking. We offer various personal and business solutions including auto loans, mortgages, and credit cards all designed with your best interests in mind. Under the leadership of our dedicated CEO, Joseph Moses, and Board President Mason Pottle, we aim to foster a welcoming environment where you can feel secure in your financial decisions. Our experienced team of 87 employees is here to assist you from 9:00 a.m. to 4:00 p.m., Monday through Friday, whether you prefer visiting us in person or utilizing our online services. While members can visit us at our branch for personalized assistance or ATM access, official correspondence should be sent to 254 North St, Calais, ME 04619-1620. If you have questions or need support, don't hesitate to reach out at 207-454-8940 or explore more about what we offer by visiting our website at Downeast Credit Union. Join us today and experience the difference a community-focused credit union can make in your life!

Branch History & Mission

Commitment to Service

While you can visit us at 254 North St, please note that any official correspondence should be directed to 254 North St, Calais, ME 04619-1620 if different. Our operating hours are from 9:00 a.m. to 4:00 p.m., Monday through Friday, giving you plenty of time to stop by or call us at 207-454-8940 whenever you need assistance. Our branch offers an array of services including ATM availability and drive-thru banking for quick transactions. Additionally, we participate in shared service centers which extend our reach beyond Calais, ensuring you have access wherever you go. We invite you to become part of the Downeast family. Experience firsthand the benefits of membership that not only supports your financial goals but also enriches our vibrant community. Join us today and discover how we can help you achieve your dreams! For more information on membership eligibility or to open an account online, visit our website.

Our Mission

At Downeast, our mission is simple yet profound: to provide exceptional financial services while fostering community support. We believe that everyone deserves access to affordable banking options and personalized service. Our offerings include checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. We also embrace technology with online banking and mobile payments to ensure convenience for all members. We are not just about numbers; we actively engage with our community through outreach programs and partnerships. This commitment is reflected in how we serve you not just as customers but as valued members of our growing family.

Branch Location & Accessibility

Accessibility and Parking

We understand that accessibility is important. Our branch features ADA-compliant ramps and parking spaces to ensure that everyone can visit us comfortably. There's ample parking available right outside the building, so you won't have to worry about finding a spot when you arrive.

Contact Us

Have questions? Feel free to give us a call at 207-454-8940. Our friendly staff is eager to help you with whatever you need. We invite you to visit our branch soon we're excited to serve you!

Nearby Landmarks

Our branch is conveniently situated near popular local spots, making it easy for you to drop by while running errands or enjoying a day out in town. Whether you're heading to the nearby shopping district or visiting friends in the area, stopping by for banking services has never been easier.

Operating Hours

We're here for you from 9:00 a.m. to 4:00 p.m., Monday through Friday. Whether you're looking to open an account, apply for a loan, or simply ask questions about our services, our dedicated team is ready to assist you during these hours.

Services Offered

At Downeast Credit Union, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're interested in online or mobile banking, we offer those as well! Plus, our drive-thru service makes it convenient for quick transactions without leaving your car.

Member Eligibility

At Downeast, we believe that becoming a member is like joining a caring family where your financial well-being comes first. If you're looking to be part of our supportive community, you'll find that eligibility is designed to be inclusive and straightforward. Generally, anyone who lives, works, or attends school in the area can join us. This means if you're in our vibrant community around 254 North St Calais Me 04619, you're likely eligible! Plus, membership opens the door to a variety of benefits including personalized service and access to great financial products tailored just for you. Getting started is simple! You can check out all the specific eligibility criteria on our website at https://www.downeastcu.com/membership/. When you're ready to take the next step, opening an account with us is easy just visit https://app.loanspq.com/apply.aspx?lenderref=downeast071019&list=vlccplhest for all the details. If you have any questions or need assistance, feel free to call us at (207) 454-8940. We're here to help you every step of the way!

Business Banking & Commercial Services

At Downeast, we understand that your business is more than just a job it's your passion and livelihood. Our goal is to help you thrive in today's competitive landscape. Whether you're starting a new venture or expanding an existing one, our commercial loan options are designed to support your growth every step of the way. Imagine having the funds to purchase new equipment, hire additional staff, or even open a second location. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans funded, we are here to provide tailored financing solutions as your needs evolve. In addition to loans, our merchant services can simplify everyday transactions. Picture running your business without worrying about payment processing headaches. We offer tools that allow you to accept payments easily and efficiently, ensuring you can focus on what matters most serving your customers. If you're ready to take your business to the next level, visit us at 254 North St Calais Me 04619 in Calais, ME or give us a call at (207) 454-8940. Let's work together to turn your vision into reality!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash on the go? Our ATM services allow you to withdraw cash or check your balance anytime, day or night. For those who prefer face-to-face interactions, our drive-thru banking provides a simple way to handle deposits and withdrawals without leaving your car.

Business Banking Services

For our business members, we offer comprehensive business banking services, including merchant services and business loans tailored to support your entrepreneurial dreams. We know how important it is for businesses to have reliable banking solutions, so we are here to provide just that.

Credit Cards and Rewards

Don't forget about our credit cards with rewards, perfect for those who love to earn while they spend. Whether it's cash back on everyday purchases or points for travel, our credit cards are designed with benefits that matter to you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we emphasize our robust online and mobile banking features. With easy access to your accounts from anywhere, managing your finances has never been simpler. You can perform transactions, check balances, and even make person-to-person payments right from your smartphone.

Personal Banking Solutions

We understand that managing your money is crucial for achieving your goals. That's why we offer various personal banking options including checking and savings accounts designed to fit your lifestyle. Imagine having an account that not only keeps your money safe but also helps you earn interest! Need a new car? Our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. If homeownership is on your mind, our mortgage loans and refinancing services make it easier than ever to own your dream home. We also provide personal loans and debt consolidation options to help you manage expenses effectively.

Shared Branch Transactions

If you're a member of another participating credit union, take advantage of our shared branch transactions where you can deposit or withdraw funds conveniently. We invite you to explore all these great services at Downeast! For more information or if you're ready to open an account, give us a call at (207) 454-8940 or visit us online at https://www.downeastcu.com/. Let us help you achieve your financial goals today!

Digital & Online Banking

Effortless Transactions

Need to send money to a friend? Our person-to-person transfers make it easy and quick. You can also enjoy the convenience of mobile payments through your favorite apps, giving you even more flexibility when it comes to spending.

Go Paperless with E-Statements

Embrace the future of banking by opting for e-statements! They are not only environmentally friendly but also help you keep track of your finances more efficiently. You can access your statements any time through our online banking portal as we offer this feature at Yes. With Downeast, managing your finances is as easy as tapping a button or two. Join us in experiencing the freedom of digital banking today!

Online Banking Features

With our robust online banking platform, available at https://www.downeastcu.com/, you can access your accounts anytime, anywhere. This 24/7 service allows you to check balances, pay bills, and transfer funds with just a few clicks. Plus, if you prefer to manage your money from your smartphone, our mobile application provides all the functionality you need right in your pocket.

Security You Can Trust

Your security is our priority. We use advanced measures to protect your personal information while ensuring that accessing your accounts is straightforward and user-friendly. With features like electronic signature authorization available at Yes, signing documents securely has never been simpler.

Financial Strength

Growing Trust

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 reinforces our ability to support your needs effectively. 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 254 North St Calais Me 04619 or call (207) 454-8940 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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 commitment to operational efficiency is reflected in our $499,730, which enables 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.

Reinvestment for Growth

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 lending capacity supports your financial goals across various sectors with $6,734 in used auto loans and $243,969,098 in total loans and leases.

Strong 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 $967 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 vehicle or finding a reliable used one, our flexible terms make it easy for you to drive away happy.

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 aim to support you every step of the way, whether you're a first-time homebuyer or looking to refinance your current mortgage.

Other Financing Options

In addition to these products, we provide various personal loan options that can be used for debt consolidation or other financial needs. If you're considering refinancing any existing loans, we have options available that may help lower your monthly payments or reduce interest rates. If you want more information about our loans or how to apply, feel free to reach out at (207) 454-8940, or visit us at 254 North St Calais Me 04619 in Calais, ME. Our friendly staff is ready to assist you and answer any questions you may have about eligibility or application processes. 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 our loan offerings today and take the next step toward achieving your financial dreams with Downeast!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,401,101 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and features that help you gain control over your spending while building your credit history.

Loan Aggregator

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 ensures that all offers are fair and transparent, allowing users to feel confident in their choices.

Benefits of Using LendMesh

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Downeast