Downeast Credit Union Unity ME | Quick Personal Loans & Business Banking

Introduction

Welcome to Downeast, your trusted community partner in financial growth and stability. Located at 58 School St, Unity, ME 04988, our branch has been serving the residents of Unity and surrounding areas since 1941. With a commitment to providing exceptional service, we have proudly grown to support over 22,994 members and manage assets totaling $289,364,810. At Downeast, we believe in empowering our members with the financial tools they need to succeed. Our extensive offerings include personal banking services like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Whether you're looking to save for a dream vacation or finance a new vehicle, we've got you covered. Our dedicated team is led by CEO Joseph Moses and Board President Mason Pottle, both of whom are passionate about ensuring our members feel valued and supported. With a total of 87 employees, we're here to provide personalized service tailored to your needs. If you have any questions or require assistance, don't hesitate to reach out at 207-948-2060. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 760, Unity, ME 4988. Join us at Downeast Credit Union today where your financial success is our priority! To learn more about what we offer or to become a member, visit our website at Downeast Credit Union. We look forward to helping you achieve your financial goals!

Branch History & Mission

Join Us

We invite you to experience the Downeast difference for yourself. Whether you're looking for a new account or need advice on loans or mortgages, our friendly team is ready to assist you. Together, let's build a brighter financial future! For more information or to become a member today, please call us at 207-948-2060 or visit our website at Downeast Credit Union.

Our Mission

At the heart of Downeast Credit Union is a mission to empower individuals and families in our community through accessible financial services. We strive to create an environment where every member feels valued and supported. Our mission is not just about offering financial products; it's about building relationships that foster community growth and well-being. We understand that each member's journey is unique, and we are here to guide them every step of the way. In addition to our core financial services, we actively engage in community outreach efforts. Partnering with local organizations allows us to give back and help strengthen Unity as a vibrant place to live and work. Whether it's sponsoring local events or providing educational resources on financial literacy, we are dedicated to making a positive impact. While members can visit us at 58 School St for all their banking needs during our lobby hours from 9:00 a.m. to 4:00 p.m., Monday through Friday, official correspondence should be sent to PO Box 760, Unity, ME 4988 if different from the branch address.

Branch Location & Accessibility

Welcome to the Downeast Credit Union branch in Unity, located at 58 School St. Our convenient location makes it easy for you to access a range of financial services while enjoying the charming atmosphere of this vibrant community. Situated near the Unity College campus, our branch is just a stone's throw away from the local library and various shops, making it an ideal stop for your banking needs. While members can visit us at 58 School St, official correspondence should be sent to PO Box 760, Unity, ME 4988. We ensure that our branch is easily accessible with features like ADA-compliant entrances and ample parking space. Whether you're coming by car or on foot, we strive to make your visit smooth and hassle-free. Our lobby hours are designed to fit your busy schedule, operating from 9:00 a.m. to 4:00 p.m., Monday through Friday. If you're in a rush or prefer to bank from your vehicle, take advantage of our drive-thru service for quick deposits and withdrawals. Plus, with our ATM available on-site, you can access cash whenever you need it without stepping inside. At Downeast Credit Union, we pride ourselves on offering personalized banking solutions tailored to your needs. From checking and savings accounts to auto loans and credit cards with rewards, our friendly staff is here to help you every step of the way. We also provide shared services for members of partner credit unions, so you can perform basic transactions with ease. Ready to experience exceptional service? We invite you to visit us or give us a call at 207-948-2060 today! Your financial journey starts here at Downeast Credit Union in Unity.

Member Eligibility

Becoming a member of Downeast is like joining a welcoming family where your financial well-being is our priority. If you're interested in being part of our community, eligibility is straightforward. You can qualify if you live, work, worship, or attend school in the areas we serve, which fosters a strong sense of local connection. To explore more about who can join us and to check the latest eligibility details, feel free to visit our website at https://www.downeastcu.com/membership/. We believe that everyone deserves access to quality financial services, and at Downeast, you'll find a range of benefits designed just for you. Opening an account with us is easy and can be done online. Simply follow this link to start your membership journey: https://app.loanspq.com/apply.aspx?lenderref=downeast071019&list=vlccplhest. If you have any questions or need assistance, don't hesitate to reach out at (207) 948-2060. We're here to help! Our branch is located at 58 School St Unity Me 04988, where we look forward to meeting you and helping you achieve your financial goals.

Business Banking & Commercial Services

Practical Merchant Services

Imagine having a seamless payment process for your customers. Our merchant services make it easy for you to accept payments, manage transactions, and grow your revenue. By streamlining operations, you can focus on what truly matters your business. Visit us at 58 School St Unity Me 04988 in Unity, ME, or call us at (207) 948-2060 to discover how we can help your business thrive!

Tailored Loan Solutions

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 Made Easy

For our local entrepreneurs, we provide robust Business Banking solutions, including merchant services and business loans designed to support your growth. Whether you're starting a new venture or expanding an existing one, our team is here to guide you through financing options that work for your business.

Convenient Access and Support

We know that convenience matters. That's why we offer ATM & Cash Withdrawal Services along with basic drive-thru banking for quick deposits and withdrawals. Plus, if you're a member of a partner credit union, enjoy the benefits of Basic Shared Branch Transactions to deposit or withdraw funds easily. In addition to these services, our branch features an ATM for quick cash access and drive-thru service for those busy days when time is tight. Our friendly staff is always available during operating hours from 9:00 a.m. to 4:00 p.m., Monday through Friday, ready to assist with any questions or needs you might have. Ready to take control of your financial future? Reach out today at (207) 948-2060 or visit us online at Unity for more information on how we can help you achieve your goals!

Credit Options for Everyone

At Downeast, we understand that having access to credit is essential. That's why we offer Credit Cards with Rewards, giving you the chance to earn points on everyday purchases. Whether you're treating yourself or planning for a special occasion, our rewards program helps you get more from your spending.

Financing Your Dreams

Dreaming of a new car or planning home renovations? Our Auto Loans & Vehicle Financing options make it easy for you to drive off in your dream vehicle without breaking the bank. If you're considering buying a home or refinancing your current mortgage, our competitive rates on Mortgage Loans can help you save money over time. Additionally, our Personal Loans & Debt Consolidation services allow you to consolidate existing debts into one manageable monthly payment.

Personal Banking Solutions

Managing your finances should be straightforward and stress-free. That's why we offer Personal Banking services that include checking and savings accounts designed for every lifestyle. Imagine the ease of accessing your funds anytime through our Online & Mobile Banking features, allowing you to check balances, transfer funds, and pay bills right from your smartphone.

Digital & Online Banking

Key Features for Your Convenience

Our digital offerings include features like electronic signature authorization, which allows you to sign documents securely from home. You can also opt for e-statements, making it easier than ever to keep track of your transactions without the clutter of paper statements. If you're on the go, our mobile application is available for download, providing you with all the tools you need right in your pocket. Plus, our mobile payments feature lets you make quick transactions without needing cash or cards just use your phone! Need to send money to a friend? Our person-to-person transfer service simplifies sending and receiving funds between members. It's fast and straightforward, ensuring you can share expenses or settle debts without hassle.

Online Banking Services

With our 24/7 online banking services available at https://www.downeastcu.com/, you can access your accounts whenever it suits you. This means no more rushing to the branch before closing time or waiting for business hours to get assistance. You have complete control over your finances with just a few clicks.

Security and Ease of Use

Your security is our top priority. All our online banking services are protected with advanced security measures, so you can bank with peace of mind. We strive to make the experience user-friendly so that even those new to digital banking can navigate easily. In short, Downeast is committed to providing robust digital banking solutions that enhance your financial experience. Explore all these features today by visiting https://www.downeastcu.com/ and take control of your finances like never before!

Financial Strength

At Downeast, 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 want you to feel confident in your choice of banking with us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 commitment to lending is evident with $6,734 in used auto loans and $243,969,098 in total loans and leases, supporting members' financial goals across various sectors. Our strong performance is reflected in our $499,730, which underscores our operational efficiency. This 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. Net Shares (Funds available for lending and investments): $219,089. Total Share and Deposit Accounts: 42,317, showing 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, Downeast is your trusted partner. Visit us at 58 School St Unity Me 04988 or call (207) 948-2060 to learn more about how we can help you achieve your financial goals.

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. We provide flexible terms and competitive interest rates to ensure you find the perfect fit for your budget.

Contact Us

Ready to take the next step? Reach out to us at (207) 948-2060 for more information about any of our loan products or visit us at 58 School St Unity Me 04988, Unity, ME. Our team is here to assist you through every stage of the loan process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Downeast, we're committed to providing personalized service and financial solutions tailored just for you!

Credit Lines

For those who prefer flexibility in their borrowing options, our total credit lines amounting to $25,396,820 provide you with the ability to access funds when needed without the hassle of reapplying each time. This ensures that you can handle emergencies or take advantage of opportunities as they arise.

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 offer various mortgage products tailored to meet different financial situations, whether you're a first-time buyer or looking to refinance an existing mortgage.

Refinancing Options

If you're considering refinancing an existing loan, we have options available that may help lower your monthly payments or reduce your interest rate. It's worth exploring how our refinancing solutions can work for you.

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. This option allows you to cover unexpected expenses while enjoying the benefits of rewards and low-interest rates.

Loan Aggregator

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