Norstate Credit Union Ashland ME | Affordable Auto Loans & Business Banking

Introduction

Welcome to Norstate, your trusted financial partner located at 23 Exchange St, Ashland, ME 04732. Since our establishment in 1941, we have proudly served over 14,300 members in the community, providing personalized banking solutions that meet a variety of needs. With total assets exceeding $262 million, and total deposits of $4,337,870, our commitment to financial stability and member satisfaction is stronger than ever. At Norstate, we understand that every member's journey is unique. Whether you are looking for auto loans, personal banking options, or business services, we offer a wide range of products tailored just for you. We currently hold $11098 in total loans and leases, which reflects our dedication to supporting our members' goals and dreams. Our leadership team, headed by CEO Jeffrey Davenport and Board President Leigh Smith, works tirelessly to ensure that we provide exceptional service while fostering a welcoming environment. With a dedicated staff of 84 employees, we're here to guide you every step of the way. For your convenience, we also offer online and mobile banking services so you can manage your finances from anywhere. While members can visit us at our Ashland branch for face-to-face support, official correspondence should be sent to the same address: 23 Exchange St, Ashland, ME 4732. Join us today and discover how Norstate can help you achieve your financial goals. Give us a call at 207-435-2176 or visit our website at Norstate FCU for more information. We're excited to be part of your financial journey!

Branch History & Mission

Welcome to Norstate, a cornerstone of the Ashland community since 1941. Our journey began with a simple yet powerful mission: to provide reliable financial services while fostering a spirit of support and partnership among our members. Over the decades, we have grown from a small credit union into a thriving institution with over 14,300 members and total assets reaching an impressive $262,502,660. Located at 23 Exchange St, Ashland, ME 04732, our branch is conveniently situated near local landmarks that embody the heart of our town. Our commitment to serving the residents of Ashland and surrounding areas has only strengthened as we've evolved to meet their needs. At Norstate, we believe in the power of community. Our mission is not just about banking; it's about enhancing lives through accessible financial solutions. We offer a range of services, including personal and business banking, auto loans, mortgage options, and credit cards with rewards. We also prioritize digital advancements like online banking and mobile payments, ensuring that our members have easy access to their finances anytime they need it. While members can visit us at 23 Exchange St, official correspondence should be sent to 23 Exchange St, Ashland, ME 4732 if needed. Our operating hours are Monday to Friday from 9 am to 5 pm, providing ample opportunity for you to connect with our dedicated team. Our branch also features ATM availability and drive-thru banking for your convenience. With shared service centers available for partner credit union members, we strive to make banking as seamless as possible for everyone in our community. We take pride in our outreach efforts and partnerships that aim to uplift those around us. Whether it's sponsoring local events or supporting initiatives that benefit the underprivileged, Norstate is dedicated to giving back. As we look towards the future, we invite you to join us on this journey. Experience the warmth of personalized service and the strength of community support that defines Norstate. Together, let's build a brighter financial future one where everyone can thrive. If you're ready to become part of our family or simply want to learn more about what we offer, feel free to reach out at 207-435-2176 or visit our website at Norstate FCU. Join us today!

Branch Location & Accessibility

Accessibility and Parking

When you visit us, you'll find ample parking available so you can access our services with ease. We also prioritize accessibility for all members. Our facility is ADA compliant, featuring ramps and wide entryways to ensure that everyone can enjoy our services comfortably.

Banking Services

We offer a variety of services designed with you in mind. Need cash? We have an ATM on-site for your convenience! For those who prefer face-to-face interaction, our drive-thru service allows for quick and simple transactions without leaving your car. Plus, if you're a member of another participating credit union, our shared service center lets you access basic banking services like deposits and withdrawals effortlessly. While members can visit us at 23 Exchange St for all their banking needs, official correspondence should be sent to the same address as there's no difference between our branch and mailing locations.

Get in Touch

We invite you to come by and see how we can assist you with personal banking options like checking and savings accounts, auto loans, mortgage loans, and more! Have questions? Don't hesitate to give us a call at 207-435-2176 or visit our website at norstatefcu.org for more information. We look forward to welcoming you to the Norstate Ashland Branch soon!

Operating Hours

At Norstate, we understand that your time is valuable. That's why we're open Monday through Friday from 9 AM to 5 PM, making it easier for you to manage your banking needs during the week. Whether you're stopping by for a quick transaction or need assistance with more complex banking matters, our friendly staff is here to help.

Member Eligibility

Joining the Norstate community means becoming part of a supportive family that genuinely cares about your financial well-being. If you live, work, worship, or attend school in Aroostook County, you're already eligible to become a member! It's that simple! At Norstate, we pride ourselves on offering personalized banking solutions that fit your needs, from checking and savings accounts to auto loans and credit cards with rewards. To learn more about the specific eligibility details, feel free to check out our resource at norstatefcu.org/membership/switch-kit.htm. Getting started is easy! You can open your account today by visiting us at 23 Exchange St, Ashland, ME 04732. If you have any questions or need assistance, don't hesitate to give us a call at 207-435-2176. We're here to help you every step of the way as you take this exciting step toward financial empowerment with Norstate! For more information on how to open an account, visit norstatefcu.org/applications/index.htm.

Business Banking & Commercial Services

Lending Solutions Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $421 in commercial loans for our members, helping businesses scale and succeed. This funding allows local entrepreneurs to expand their operations, hire new employees, and invest in essential resources. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that make it easier for everyone to access the capital they need. With an outstanding commercial loan portfolio of $31,478,111, we continue to drive economic growth by financing new and expanding businesses in Ashland, ME.

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services that simplify how you do business. Imagine processing payments quickly and securely right from your smartphone or tablet. Our merchant solutions help you focus on what matters most growing your business while ensuring your transactions are smooth and efficient. Ready to take your business to the next level? Visit us at 23 Exchange St Ashland Me 04732 or give us a call at (207) 435-2176. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Credit Cards and Business Banking

Don't forget about the perks! With our credit cards that offer rewards, you can earn benefits while making everyday purchases. If you're a business owner, we provide essential services such as merchant services and business loans that can help your venture thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features. Our robust online and mobile banking platforms allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, and even make person-to-person payments with just a few taps on your phone. Need cash on the go? With our ATM services, accessing your money is simple. Plus, enjoy the ease of our basic drive-thru banking for quick deposits and withdrawals without leaving your car.

Personal Banking Solutions

Starting with personal banking, we offer various options to suit your lifestyle. Whether you're looking for checking and savings accounts that provide easy access to your funds or want to grow your savings with competitive interest rates, we've got you covered. Planning to buy a new car? Our auto loans and vehicle financing solutions are tailored for you, ensuring you can hit the road without breaking the bank. For those considering homeownership or refinancing, our mortgage loans come with flexible terms and personalized assistance from our knowledgeable staff. Additionally, if you're facing unexpected expenses or want to consolidate debt, explore our personal loans and debt consolidation options, designed to ease financial burdens.

Shared Services for Members

If you're a member of partner credit unions, take advantage of our shared branch transactions, which let you handle deposits and withdrawals easily. And don't worry about complicated access; our basic ATM facilities ensure you can check balances or withdraw cash hassle-free. At Norstate, we are committed to being more than just a financial institution; we aim to be a trusted partner in all aspects of your financial life. Whether you're managing personal finances or running a business, we have the resources and support you need. Feel free to reach out at (207) 435-2176 if you have any questions or want more information about how we can assist you further. Join us today at Ashland Branch we're excited to help you achieve your financial goals!

Digital & Online Banking

Key Services

Our online banking platform is user-friendly and available 24/7, allowing you to check balances, transfer funds, and pay bills whenever you need to. You can explore all our digital offerings at https://www.norstatefcu.org/index.shtml. For those moments when you want to make a quick payment or send money to a friend, our person-to-person transfer feature makes it simple and hassle-free.

Mobile Access

On top of that, our mobile application puts banking right in your pocket! You can enjoy mobile payments, allowing you to make purchases quickly without digging for cash or cards. It's perfect for those who are always on the move. At Norstate, we believe that banking should be accessible and straightforward. That's why our digital services are designed not only to meet your needs but also to empower you with real-time account management. Join us today and experience the convenience of modern banking!

Security and Convenience

We prioritize your security with features like electronic signature authorization, making signing documents easier than ever while keeping your information safe. Plus, with e-statements available, you can view your financial statements online instead of waiting for them to arrive by mail helping you stay organized and environmentally friendly.

Financial Strength

At Norstate, 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 are proud to share that our financial strength reflects our commitment to serving you well. With a net worth of $33,230,961, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.63% 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 $76,182,686 in share certificates and $21,469,338 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $28,804,045 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our robust lending capacity supports your financial goals with $18,469,796 in total loans and leases, including 1,551 used auto loans. Our operational efficiency is evident as reflected by our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 79 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $528,478. Total Share and Deposit Accounts: 35,130, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Norstate is your trusted partner. Visit us at 23 Exchange St Ashland Me 04732 or call 207-435-2176 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 $25,435,969 in used vehicle loans and $7,518,113 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, we can assist you with financing that suits your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $31,478,111 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and strive to offer solutions that work for you. At Norstate, we're dedicated to providing personalized service and financial guidance throughout your borrowing experience. If you're ready to explore your options or have any questions about eligibility, please reach out at (207) 435-2176 or visit us at 23 Exchange St Ashland Me 04732 in Ashland, 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. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,538,506, make buying or refinancing simple. We offer competitive rates and flexible terms to help you secure the home of your dreams. If you're considering refinancing, be sure to ask about our eligibility options that could save you money.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,628,612 in loans helping members manage their finances effectively. This can be an excellent option for those looking to consolidate debt or make larger purchases without tying up their savings.

Loan Aggregator

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Ensuring 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 means you can trust that the offers presented are fair and transparent. By using verified financial institutions, LendMesh guarantees that users receive accurate and reliable loan information.

NORSTATE FEDERAL CREDIT UNION - Ashland, ME

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