Maine State Credit Union Augusta ME | Best Auto Loans & Business Banking

Introduction

Welcome to Maine State, your trusted partner in financial well-being since 1935! Located at 200 Capitol St, Augusta, ME 04330, we are committed to serving our community with personalized banking solutions tailored to meet your needs. With a robust membership base of over 37,150 members and total assets exceeding $678 million, we pride ourselves on being a cornerstone of financial support in the Augusta area. At Maine State, we understand that each member has unique financial goals. Whether you're looking for auto loans, mortgages, or business financing options, we have you covered with a comprehensive range of services. Our total loans amount to an impressive 28,682, while our deposits stand strong at $12,075,229. This solid foundation allows us to offer competitive rates and exceptional service. Our leadership team is dedicated to guiding our credit union towards excellence. Under the stewardship of CEO Stephen Wallace and Board President Eric Poirier, we strive to create a welcoming environment where your financial success is our top priority. While members can visit us at our branch address, official correspondence should be sent to P.O. Box 5659, Augusta, ME 04332-5659. If you have any questions or need assistance, feel free to reach out by calling us at (207) 623-1851. Join us today and experience the Maine State difference! Explore our website at www.mainestatecu.org for more information on how we can assist you on your financial journey. Together, let's build a brighter future!

Branch History & Mission

Join Us

We invite you to become part of the Maine State family. Experience firsthand how we put people before profit and prioritize your financial well-being. Together, let's build a brighter future for you and your community. Visit us today or explore more about membership options on our website at https://www.mainestatecu.org/ . Your journey towards better banking starts here!

Our Mission

At Maine State, our mission is clear: we exist to provide our members with the tools they need for financial success while actively supporting the community around us. We believe in the power of community engagement, partnering with local organizations to uplift those in need. Whether it's through financial education programs or direct support initiatives, we strive to make a positive impact right here in Augusta. While members can visit us at 200 Capitol St Augusta Me 04330, official correspondence should be sent to P.O. Box 5659, Augusta, ME 04332-5659. You can reach us by phone at (207) 623-1851 during our operating hours: Drive Up from 7:30 AM - 5:00 PM and Lobby from 8:00 AM - 4:30 PM, Monday through Friday.

Our Story

From our first days at 200 Capitol St Augusta Me 04330, located near key landmarks like [insert nearby landmark or feature], we have consistently aimed to meet the evolving needs of our members. As we have grown, so too have our services, expanding to include everything from personal banking solutions like checking and savings accounts to comprehensive loan offerings, including auto loans, mortgages, and business financing. Over the years, we've embraced advancements in technology, ensuring that our digital services are accessible and user-friendly. Members can enjoy online banking and mobile payment options, making managing finances more convenient than ever. We are proud to offer ADA-compliant facilities and services, so everyone can access their banking needs without barriers.

Branch Location & Accessibility

Welcome to the Maine State Credit Union branch located at 200 Capitol St, Augusta, ME 04330! Our friendly and convenient location is here to serve you with all your banking needs. Nestled in the heart of Augusta, we're just a stone's throw away from the beautiful Maine State House, making it easy for you to stop by during your day. At Maine State, we prioritize accessibility. Our branch is designed to accommodate all members, featuring ADA-compliant facilities and convenient parking right outside. If you need to mail us something, please send it to P.O. Box 5659, Augusta, ME 04332-5659. We understand that life can get busy, which is why we offer flexible operating hours. Our lobby welcomes you from 8:00 AM to 4:30 PM Monday through Friday, while our drive-thru service operates from 7:30 AM to 5:00 PM on the same days perfect for those quick transactions without leaving your vehicle! For added convenience, our branch features an ATM available for your use anytime. Whether you're looking to withdraw cash or check your balance, we've got you covered. Plus, if you're a member of another participating credit union, feel free to take advantage of our shared services for deposits and withdrawals. If you have any questions or would like more information about our services such as personal banking options, auto loans, mortgage solutions, or online banking don't hesitate to call us at 207-623-1851. We're here to help you every step of the way! So come visit us today at Maine State Credit Union on Capitol Street! Your financial wellness is our priority, and we can't wait to assist you.

Member Eligibility

Becoming a member of Maine State is like joining a welcoming family where your financial well-being is the priority. If you live, work, worship, or attend school in Kennebec County or nearby areas, you're already eligible to join us! We believe in making banking accessible and friendly for everyone. Plus, as a member of Maine State, you'll enjoy a range of benefits designed to help you reach your financial goals from personal loans to competitive savings accounts. The process to become a member is straightforward and inviting. To get started, simply visit us at our branch located at 200 Capitol St Augusta Me 04330, or you can give us a call at (207) 623-1851. For detailed information on eligibility criteria, check out our website at http://www.mainestatecu.org/about/membership/ . Ready to open an account? You can find everything you need at http://www.mainestatecu.org/apply-for-a-loan/ . Join us today and experience the difference!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $239 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $31 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $49,083,077, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Success

Beyond loans, we provide essential merchant services that make daily transactions easier. Whether you're looking to accept credit cards or manage payroll efficiently, our solutions are designed with your needs in mind. Imagine serving customers faster while keeping track of sales seamlessly this is what our merchant services can do for you. Partner with us at Maine State and discover how our business banking solutions can support your journey to success! For more information, visit our website or give us a call at (207) 623-1851.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM and cash withdrawal services ensure that access to your funds is always within reach whether it's through our ATM network or shared branches nearby.

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options offer competitive rates that can fit any budget. Imagine driving off the lot in your dream car while knowing you secured a great deal with our flexible terms.

Business Banking

For entrepreneurs and small business owners, our business banking services, including merchant services and business loans, are designed to help you thrive. Whether you're starting a new venture or expanding an existing one, we offer the financial tools necessary for success.

Credit Cards with Rewards

For those who love rewards, our credit cards with rewards program offers benefits for every purchase. Earn points as you shop, dine out, or travel making every expense work in your favor.

Drive-Thru and Shared Branch Transactions

For quick transactions like deposits or withdrawals, take advantage of our basic drive-thru banking service. Additionally, if you're a member of a partner credit union, enjoy the convenience of basic shared branch transactions right here at Capitol Street. At Maine State, we understand that each member has unique financial needs. Our dedicated team is here to assist you with any questions or concerns regarding our services. Feel free to reach out at (207) 623-1851 or visit us at 200 Capitol St Augusta Me 04330 in Augusta, ME. We look forward to helping you achieve your financial goals!

Mortgage Loans & Refinancing

Buying a home is one of the most significant decisions you will ever make. Our mortgage loans and refinancing options are designed to guide you through this process smoothly. Let us help you find the best mortgage solution, whether it's your first home or an investment property.

Online & Mobile Banking

In today's busy world, convenience is key. That's why we provide robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds and even making payments from your smartphone, we've made banking easier than ever.

Personal Banking

For those looking to manage day-to-day expenses, our personal banking services include checking and savings accounts that help you save for future goals or simply keep your money secure. Whether you're setting up your first account or looking for ways to optimize your savings, we have options tailored just for you.

Personal Loans & Debt Consolidation

If you're facing multiple debts, our personal loans and debt consolidation services can provide relief by simplifying payments into one manageable monthly bill. This way, you can focus on moving forward without the stress of juggling various creditors.

Digital & Online Banking

Accessibility and Ease of Use

We pride ourselves on offering services that are user-friendly and accessible. Our online banking features are designed with you in mind; they're straightforward and intuitive so that everyone can benefit from them, regardless of their tech skills. You'll find everything from checking account balances to transferring money in real-time, making it easy to stay on top of your finances. With all these tools at your fingertips, managing your money has never been more efficient or hassle-free. At Maine State, we're committed to providing the best digital banking experience possible for our members. Embrace the ease of modern banking with us today!

Key Features

Our online banking platform allows you to access your accounts whenever you need to. You can check balances, pay bills, and transfer funds with just a few clicks. Plus, our mobile application makes it simple to manage your finances on the go. Whether you're at home or out and about, you'll have all the tools you need right in your pocket. Security is paramount at Maine State. We utilize electronic signature authorization to ensure that your transactions are safe and valid. You can also sign up for e-statements, which provide a quick and environmentally-friendly way to keep track of your finances without cluttering your mailbox. If you're looking to send money quickly, our person-to-person transfer feature allows you to easily send funds to friends or family members without needing cash or checks. And if you prefer making payments via your smartphone, our mobile payments feature supports various payment options for added convenience.

Financial Strength

A Growing Community

We're proud to have a growing community of trust among our members. Total Share and Deposit Accounts stand at 74,706, highlighting the confidence placed in us by those we serve. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Maine State is your trusted partner. Visit us at 200 Capitol St Augusta Me 04330 or call (207) 623-1851 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through $214,485,688 in share certificates and $81,775,538 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,674,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $678,553 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 127 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Services

With $74,473,606 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 members' financial goals across various sectors with $9,854 in used auto loans and $499,370,956 in total loans and leases.

Solid Financial Health

With a net worth of $75,221,686, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,109 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 $158,677,822 in used vehicle loans and $33,826,233 in new vehicle loans already helping members get on the road. We provide financing options that fit your budget and make the buying process smoother.

Business Loans

For business owners, our outstanding commercial loans totaling $49,083,077 provide the capital needed to grow and expand. We know how important it is for businesses to have access to funding when they need it most. If you're considering refinancing or want to explore eligibility options for any of our loan products, don't hesitate to reach out. Our team is here to guide you through the process and answer any questions you may have. For more information or assistance, feel free to contact us at (207) 623-1851, visit us at 200 Capitol St Augusta Me 04330, or check out our website at https://www.mainestatecu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $18,218,209, make buying or refinancing simple. We aim to provide flexible terms that work for you, whether you are purchasing a new property or refinancing an existing one.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, but our flexible terms on unsecured credit card loans, with a total of $13,712,983 in loans, help members manage their finances effectively. This allows you to focus on what truly matters while keeping your budget intact.

Loan Aggregator

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Ensuring Accurate Comparisons

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MAINE STATE CREDIT UNION - Augusta, ME