Maine State Credit Union Gray ME | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Maine State, your trusted financial partner located at 25 Portland Rd, Gray, ME 04039. Established in 1935, we are proud to have served our community for nearly a century, building lasting relationships with our members. With a strong commitment to member satisfaction, we currently support over 37,150 members and manage total assets of $678,299,237. At Maine State, we believe in empowering our community through personalized financial solutions. Whether you're looking for auto loans, mortgage options, or everyday banking services, we've got you covered. Our dedicated team of 128 employees, led by CEO Stephen Wallace and Board President Eric Poirier, is here to help you navigate your financial journey with confidence. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 200 Capitol St, Augusta, ME 4332. We take pride in providing a full range of services tailored to meet the needs of individuals and businesses alike. With total deposits reaching $12,075,229 and cash in hand amounting to $5,216,337, we ensure that your funds are secure and accessible when you need them. Our commitment goes beyond just numbers; it's about making a positive impact in the lives of our members. With a focus on community involvement and support for local initiatives, we strive to contribute meaningfully to the areas we serve. Explore more about what we offer by visiting our website at Maine State Credit Union. For any inquiries or assistance, feel free to reach out to us at 800-540-8707. Join us today and experience the difference of being part of a credit union that truly cares!

Branch History & Mission

Community Commitment

Maine State takes pride in its active role within the community. We engage in partnerships and outreach efforts aimed at supporting local initiatives and improving the lives of those around us. Our drive-thru banking service and ATM availability ensure that access to your finances is convenient and efficient. Additionally, our shared service center allows us to extend services even further for those who may need them. As we embrace technology with features like online banking and mobile payments, we remain committed to ADA compliance and ensuring all members can utilize our services effectively. Our goal is not just about transactions; it's about building lasting relationships based on trust and integrity.

Join Us

Whether you're looking for a simple checking account or considering a mortgage loan, we invite you to explore what Maine State Credit Union has to offer. Experience the benefits of membership where your financial success is our priority. Contact us today at 800-540-8707 or visit us online at Maine State Credit Union for more information on how you can join our growing family!

Our Mission

At the heart of Maine State Credit Union is our mission statement: "To provide exceptional service and support to our members while promoting financial literacy and community development." We believe that everyone deserves access to reliable financial services, which is why we offer personal banking options including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We are committed to helping you achieve your financial goals through personalized service and expert guidance. While members can visit us at 25 Portland Rd for all their banking needs, official correspondence should be sent to 200 Capitol St, Augusta, ME 04332. This dual-address system ensures that all communications are handled efficiently while maintaining accessibility for our valued members.

Branch Location & Accessibility

Convenient Hours

We understand that life can get busy. That's why our lobby hours are set from 8:00 AM to 4:30 PM, Monday through Friday, allowing you to stop by when it fits your schedule. If you're on the go, take advantage of our drive-thru service available from 7:30 AM to 5:00 PM on weekdays. It's a hassle-free way to handle your banking needs without leaving your car!

Easy Access for Everyone

Our branch is designed with accessibility in mind. You'll find plenty of parking available right outside our doors, along with features that ensure everyone can comfortably access our services, including ramps and ADA-compliant facilities. Whether you're coming in for a quick transaction or a detailed consultation, we strive to make your visit smooth and welcoming.

Services Tailored for You

At the Maine State Credit Union Gray Branch, we offer a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards there's something for everyone. Plus, if you're a member of a partner credit union, you can utilize shared branch transactions right here! With ATM access also available on-site, managing your cash has never been easier.

We're Here for You

If you have any questions or need assistance, don't hesitate to call us at 800-540-8707. Our friendly staff is ready to help you navigate your financial journey. We look forward to welcoming you at the Gray Branch of Maine State Credit Union!

Member Eligibility

At Maine State, we believe that everyone deserves a supportive financial community, and becoming a member is a simple step towards better banking options. To join us at our branch located at 25 Portland Rd Gray Me 04039, you'll find that eligibility is quite inclusive! If you live, work, worship, or attend school in the area, you're likely to qualify for membership. Additionally, family members of existing members are also welcome to join. We aim to create a friendly atmosphere where you can access various financial services tailored to your needs. Ready to take the next step? Opening an account with us is straightforward! You can find more details on how to start your membership journey by visiting our eligibility page at http://www.mainestatecu.org/about/membership/ . If you have any questions or need assistance, feel free to give us a call at (800) 540-8707. Join us today and experience the many benefits of being part of the Maine State family!

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 Transactions

Running a business means juggling many tasks, including managing payments. Our merchant services simplify this process. Imagine a local café that seamlessly accepts payments from customers, whether they prefer credit cards or mobile wallets. By choosing our merchant solutions, businesses can enjoy faster transactions and improved customer satisfaction. Located at 25 Portland Rd Gray Me 04039, Gray, ME 04039, we're here to provide you with the financial tools you need to succeed. Contact us at (800) 540-8707 to learn more about how Maine State can support your business journey!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash on the go? With our extensive ATM network and convenient drive-thru banking, you can easily perform basic transactions such as deposits and withdrawals without stepping inside the branch. This means more time for what matters most in your day.

Business Banking Services

For our business members, we offer essential services like merchant services and business loans to help you grow and manage your operations efficiently. We know how vital it is for businesses to have access to reliable financial support.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Whether it's checking your balance, making transfers, or paying bills, everything is just a few taps away on your smartphone or computer.

Loans and Credit Options

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services can help you manage these challenges without breaking the bank. Plus, if you want a credit card that rewards you for your spending habits, check out our credit cards with rewards program that lets you earn points on everyday purchases.

Personal Banking Solutions

Managing your finances is easier with our personal banking options. You can choose from various checking and savings accounts designed to fit your lifestyle. If you're planning to buy a new car, our auto loans and vehicle financing options provide competitive rates that make ownership attainable. For those considering homeownership or refinancing their existing mortgage, we offer mortgage loans that cater to different financial situations.

Shared Branch Transactions

We also recognize that sometimes you may need access while traveling or away from home. Our shared branch transactions allow members of partner credit unions to make deposits and withdrawals conveniently. At Maine State, we're committed to providing personalized service that meets the unique needs of each member. If you're ready to explore how we can assist you further, don't hesitate to reach out! Visit us at our location at 25 Portland Rd Gray Me 04039, give us a call at (800) 540-8707, or check out our website at Gray Branch for more information on all the services we offer. Join us today and experience banking tailored just for you!

Digital & Online Banking

Key Features

Our online banking services are user-friendly and secure, providing you with peace of mind while you manage your finances. You can easily check your account balances, view transaction history, and pay bills all from the comfort of your home or on the go. Plus, with 24/7 online banking services, help is always just a click away. If you prefer using your smartphone, you'll love our mobile application. It allows you to perform various banking tasks right from your device. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. You can also enjoy mobile payments, making shopping easier than ever.

Security and Accessibility

Security is a top priority for us at Maine State. That's why we offer electronic signature authorization for added protection when completing transactions online. Additionally, our e-statements feature lets you receive your bank statements electronically saving paper while keeping your information safe and organized. In an age where efficiency matters, our digital tools empower you to take control of your finances without hassle. Whether it's accessing your accounts through our website or mobile app, you can manage your money in real-time with ease. With all these features at your fingertips, Maine State is committed to providing you with the best digital banking experience possible. Join us today and discover how convenient managing your finances can be!

Financial Strength

A Growing Community Trust

Our member base continues to grow with a total of 74,706 share and deposit accounts a testament to the trust placed in us by our community. Net Shares (Funds available for lending and investments): $1,658,419. 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 25 Portland Rd Gray Me 04039 or call (800) 540-8707 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Reinvesting for Better 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 commitment to growth is evident with $9,854 in used auto loans and $499,370,956 in total loans and leases, supporting members' financial goals across various sectors.

Solid Financial Foundation

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 flexible terms and competitive rates, making it easier than ever to drive away in the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $49,083,077 provide the capital needed to grow and expand. We understand the unique challenges businesses face and offer tailored solutions that support your ambitions.

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. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is ready to guide you through the process.

Refinancing Options

If you're looking to lower your monthly payments or take advantage of lower interest rates, we also provide refinancing options across our loan products. Our team is here to help you explore eligibility and find the best solution for your situation. At Maine State, we're committed to providing personalized service and financial products that empower our members. For more information on our loan offerings or to start your application today, give us a call at (800) 540-8707 or visit us at 25 Portland Rd Gray Me 04039, Gray, ME. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $13,712,983 in loans helping members manage their finances effectively. With features like no annual fees and rewards programs, our credit cards are designed with your financial health in mind.

Loan Aggregator

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MAINE STATE CREDIT UNION - Gray, ME