Gardiner Credit Union Augusta ME | Basic ATM & Shared Branch Access

Introduction

Welcome to Gardiner, your trusted financial partner since 1953. Located at 316 W River Rd, Augusta, ME 04330, we pride ourselves on providing exceptional services to our 5,239 members. With a robust total asset base of $83,231,935 and total deposits amounting to $4,424,910, we are committed to supporting our community's financial well-being. At Gardiner, our mission goes beyond mere numbers. We strive to create a welcoming atmosphere where everyone feels like family. Under the leadership of our CEO, Vicki Larrabee, and Board President, Jeanne Frost, we focus on building lasting relationships with each member. Our dedicated team of 14 employees is here to assist you in navigating your financial journey. While members can visit us at our branch address, official correspondence should be sent to the same location: 316 W River Rd, Augusta, ME 04330-3992. Whether you're looking for loans or savings options, we've got something for everyone. With a total loan portfolio of 7,290 loans, we offer tailored solutions that meet your unique needs. Ready to take the next step? Feel free to reach out at 207-623-5171 or explore our services online at Gardiner FCU. Join us today and experience the difference a local credit union can make!

Branch History & Mission

At Gardiner, we take pride in our rich history and unwavering commitment to serving our community. Established in 1953, our branch has been a cornerstone of financial support for residents in Augusta, ME. Over the years, we have grown alongside our members, evolving from a small credit union into a robust institution with total assets of $83,231,935 and a dedicated membership of 5,239. Located at 316 W River Rd, Augusta, ME 04330, our branch is easily accessible and surrounded by local landmarks that reflect the vibrant spirit of our community. Although we currently do not offer drive-thru services, we provide convenient ATM availability to ensure our members can access their funds when they need them. Our mission is simple yet powerful: to empower our members through exceptional financial services while fostering strong community ties. We understand that banking is more than just transactions; it's about building relationships and supporting each other. That's why we emphasize member-centric initiatives and community outreach programs designed to uplift those around us. Throughout our journey, we've embraced advancements in technology, offering online banking and mobile applications to enhance your banking experience. Our commitment to accessibility is reflected in our dedication to ADA compliance, ensuring that everyone can benefit from our services. While members can visit us at 316 W River Rd Augusta Me 04330, official correspondence should be sent to 316 W River Rd, Augusta, ME 04330-3992. For any inquiries or assistance, please don't hesitate to reach out at (207) 623-5171. As we look towards the future, we remain focused on providing innovative solutions tailored to the needs of our members. Join us at Gardiner and experience firsthand the benefits of being part of a credit union that truly cares about you and your financial well-being. Together, let's continue building a strong community!

Branch Location & Accessibility

Accessibility Features

At Gardiner, we prioritize making banking accessible for everyone. Our branch features ADA-compliant ramps and parking spaces to ensure that all members can visit us comfortably. Plus, with convenient ATM services available on-site, you can manage your cash needs quickly and efficiently.

Connect With Us

Got questions? We're just a phone call away! Reach out to us at 207-623-5171 for assistance or guidance on any of our services. We invite you to come visit us soon and discover how Gardiner can support your financial journey in a welcoming environment. Your community bank is here for you!

Operating Hours

We understand that life gets busy! That's why we're committed to being there when you need us most. While our specific operating hours are currently being finalized, rest assured that we aim to provide flexible options so you can stop by at a time that works best for you.

Services Offered

Whether you're looking to make deposits or withdrawals through basic shared branch transactions or simply check your account balance via our ATMs, Gardiner has got you covered. We also offer shared services with partner credit unions to enhance your banking experience further.

Member Eligibility

At Gardiner, we believe that everyone deserves a chance to be part of a supportive community that cares about their financial well-being. Joining us is simple and welcoming! If you live, work, or worship in the area or have a family member who's already a member, you're likely eligible to open an account with us. We are dedicated to providing our members with personalized service and benefits tailored to your needs. Becoming a member not only grants you access to competitive rates on loans and savings but also connects you with a network of resources designed to help you thrive financially. To learn more about the specific eligibility criteria, feel free to check out our detailed information at https://gardinerfcu.org/membership/ . Once you see how easy it is to join, just give us a call at (207) 623-5171 or visit us at 316 W River Rd Augusta Me 04330 to get started on opening your account. We can't wait to welcome you into the Gardiner family! For more details on how to open an account, visit https://gardinerfcu.org/documentation-open-accounts/ .

Business Banking & Commercial Services

Lending Options 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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that meet diverse needs. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine being able to process payments quickly and easily while keeping track of your sales seamlessly. Our merchant services offer practical solutions that help streamline operations and improve cash flow. From point-of-sale systems to online payment processing, we equip you with tools that enhance customer experience and simplify transactions. Located at 316 W River Rd Augusta Me 04330 in Augusta, ME, our team is here to help you navigate the financial landscape of your business journey. Reach out today at (207) 623-5171 to explore how we can assist you in achieving your goals!

Comprehensive List Of Services

Banking Services Tailored for You

Our services are crafted to make banking easier for our members. One of the key features we offer is ATM Services Only, ensuring that you can easily access your funds whenever you need them. With our ATMs, you can make withdrawals and check your balance without hassle. Additionally, we provide Basic Shared Branch Transactions for members of partner credit unions. This means that if you're a member of another participating credit union, you can still enjoy the convenience of making deposits and withdrawals at our branch. This service expands your options and gives you flexibility when managing your finances.

Easy Access Anytime

In today's fast-paced world, having easy access to banking services is crucial. At Gardiner, we understand that life can get busy, which is why our focus is on providing accessible banking solutions. Our ATM network allows quick cash access at any time, giving you peace of mind whether you're running errands or traveling. We also prioritize digital convenience with online banking available for all our members. This feature enables you to manage your accounts from the comfort of your home or while on the go. You can easily transfer funds, view account statements, and even perform person-to-person transactions without stepping foot in a branch.

Join Our Community

If you're not already a member, we invite you to explore what Gardiner has to offer. Our commitment goes beyond just providing services; we aim to create lasting relationships with our members based on trust and support. For more information about membership eligibility, visit us at Membership Information. Feel free to reach out with any questions by calling us at (207) 623-5171 or visit our website at Kv Fcu for additional details on how we can assist you in achieving your financial aspirations. At Gardiner, we're here to serve you!

Digital & Online Banking

Key Features of Our Online Services

With our online banking platform available at https://gardinerfcu.org/ , you can access your accounts 24/7. No more waiting in line or rushing to the bank before closing hours; everything you need is just a click away. You can check your balance, transfer funds, and pay bills all from the comfort of your home or wherever life takes you. One of the standout features of our service is the ability to send money easily through person-to-person transfers. This means sharing expenses or paying back friends is as simple as a few taps on your screen. For those who prefer to manage their accounts from their mobile devices, our user-friendly mobile application makes it easy to stay connected with your finances. And if you opt for e-statements, you'll enjoy paperless convenience while keeping track of your transactions effortlessly.

Security You Can Trust

We prioritize your security with every transaction. Your sensitive information is protected using advanced security measures, giving you peace of mind as you navigate our online banking services. While we currently do not support electronic signature authorization or mobile payments, we are committed to ensuring that all other features meet high standards of safety and reliability. At Gardiner, we believe that banking should be simple and accessible for everyone. Our digital banking services empower you to take control of your finances anytime, anywhere. Embrace the ease and flexibility of modern banking with us today!

Financial Strength

Efficient Operations

Our efficient operations have yielded a net income of $0, which reflects our ability to manage resources effectively while still offering competitive loan rates and solid financial products for our members. We also take pride in having 13 full-time employees and 1 part-time employees dedicated to serving you with a knowledgeable, committed team.

Growing Membership Trust

Total Share Accounts stand at 11,848, showcasing a strong and growing member base that trusts us with their finances. This trust is fundamental to our mission at Gardiner, as we continuously seek ways to enhance the member experience. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Gardiner is your trusted partner. Visit us at 316 W River Rd Augusta Me 04330 or call (207) 623-5171 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $12,241,979 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. We ensure that our resources are focused on benefiting you through better loan rates and exclusive perks.

Reinvestment for Better Services

With $12,902,964 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to your success extends to various financial products tailored to meet your needs.

Solid Financial Foundation

With a net worth of $12,902,964, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,550 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

Our lending capacity is substantial, with $1,191 in used auto loans and $52,061,912 in total loans and leases available to support your financial goals across various sectors. We strive to empower our members by making it easier to access the funds they need when they need them.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $21,926,889 in used vehicle loans and $4,260,303 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you can find the right fit for your budget.

Credit Lines and Refinancing Options

For those interested in having access to additional funds when needed, our total credit lines amounting to $1,800,000 provide an excellent resource. Plus, if you're considering refinancing existing loans or need assistance determining eligibility options, our experienced staff is here to guide you through the process. At Gardiner, we pride ourselves on being a supportive financial partner. Explore our diverse loan products today and see how we can help you achieve your financial dreams. For more information on membership eligibility or to start the application process, visit us online at https://gardinerfcu.org/ or check out our membership page. 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 $2,819,181, make buying or refinancing simple. We work with you every step of the way to ensure you understand your options and find the right mortgage solution.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $952,533 in loans helping members manage their finances effectively. This option allows you to cover unexpected expenses while enjoying competitive interest rates.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can feel secure knowing that the information provided is accurate and trustworthy. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every loan offer displayed is based solely on its merit, not on advertising dollars. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. In a world where rates can change rapidly, having access to current data is crucial. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of LendMesh in delivering significant savings for its users. 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.

Ensuring Accurate Comparisons

LendMesh stands out in its commitment to transparency and reliability. 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 means users can trust that they are receiving fair and transparent offers. Each comparison reflects current market conditions, allowing for well-informed decision-making.

GARDINER FEDERAL CREDIT UNION - Augusta, ME