Saco Valley Credit Union Saco ME | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Saco Valley, your trusted financial partner located at 500 Main St, Saco, ME 04072. Since our establishment in 1947, we have proudly served our community with a commitment to providing excellent banking services tailored to meet the needs of our 9,196 members. With total assets reaching an impressive $183,857,095, we are dedicated to fostering financial growth and stability for everyone we serve. At Saco Valley, we understand the importance of personalized banking experiences. That's why we've built a robust portfolio that includes everything from auto loans and mortgages to credit cards and business loans. We currently manage over 5,759 loans and leases, ensuring that our members have access to the funds they need when they need them. Our total deposits stand at $8,929,465, reflecting the trust our community places in us. Our leadership team is here to guide you every step of the way. Under the direction of CEO Kevin Partridge and Board President Timothy Nelson, we prioritize transparency and member satisfaction in every interaction. With a dedicated team of 33 employees, we're always ready to assist you with a smile. While members can visit us at our Saco branch for face-to-face service, official correspondence should be sent to our mailing address: PO Box 740, Saco, ME 4072. You can also reach us by phone at 207-286-3638 or explore more about our services online at sacovalley.org. Join us today and discover how Saco Valley can support your financial journey! Whether you're looking for personal banking options or business solutions, we are here to help you achieve your goals. Don't hesitate visit us or give us a call today!

Branch History & Mission

Welcome to Saco Valley, a beacon of community banking in Saco, ME. Established in 1947, our branch has grown steadily over the years, driven by a commitment to serve our members and the surrounding community. With nearly 9,200 members and total assets exceeding $183 million, we take pride in being a trusted financial partner for individuals and families alike. Located at 500 Main St, Saco ME 04072, our branch is easily accessible, making it convenient for you to visit us. Just a short walk from the scenic Saco River and near local shops and restaurants, we invite you to stop by. While members can visit us at this address, official correspondence should be sent to PO Box 740, Saco, ME 4072. At Saco Valley, our mission goes beyond just providing financial services; it's about fostering a strong sense of community. We aim to empower our members through personal banking solutions tailored to their needs. Our offerings include checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Our goal is to support your financial journey while contributing positively to the local area. As times change, so do we. We've embraced digital advancements to make banking more accessible for everyone. Our online banking platform allows members to manage their finances anytime, anywhere. Plus, with features like mobile payments and e-statements, staying on top of your finances has never been easier. We also understand that accessibility is essential for all our members. Our facilities are ADA compliant to ensure that everyone feels welcome when they visit us. With an ATM available on-site and drive-thru banking options during our operating hours Monday through Friday from 8 a.m. to 7 p.m., and Saturday from 8 a.m. to 1 p.m. we strive to meet your needs efficiently. Community outreach is at the heart of what we do. We actively engage in local events and initiatives that support education, health, and economic growth in Saco and its surroundings. These partnerships reflect our commitment not only to serve but also to uplift those around us. Join us at Saco Valley! Experience the difference of being part of a member-focused credit union that truly cares about your financial well-being and community involvement. Together, we can build a brighter future for all! For more information or assistance, feel free to call us at 207-286-3638 or visit our website at sacovalley.org.

Branch Location & Accessibility

Convenient Access and Features

At our Saco Valley branch, we prioritize convenience for all our members. We have ample parking available, making it easy for you to stop by whether you're popping in for a quick transaction or spending some time discussing your financial goals with our team. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and pathways to ensure everyone can enjoy our services without hassle.

Join Us Today!

We invite you to stop by or give us a call at 207-286-3638. Our dedicated team is here to answer any questions and help you navigate your financial journey with ease. Come experience the difference at Saco Valley where community meets convenience!

Operating Hours That Fit Your Schedule

We understand that life can get busy, which is why we offer flexible operating hours to meet your needs. You can visit us Monday through Wednesday from 8 a.m. to 5 p.m., Thursday until 6 p.m., and Friday until 7 p.m. Plus, if you're looking for drive-thru convenience on Saturdays, we're open from 8 a.m. to 1 p.m.

Services Tailored for You

Our commitment goes beyond just accessibility; we provide a range of services designed to help you thrive financially. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards there's something for everyone at Saco Valley. For those who prefer digital solutions, we also offer online and mobile banking services. While members can visit us at 500 Main St, official correspondence should be sent to PO Box 740, Saco, ME 04072.

Member Eligibility

Joining the Saco Valley community is more than just opening an account; it's about becoming part of a supportive family that genuinely cares for your financial well-being. At Saco Valley, we welcome individuals who live, work, worship, or attend school in our local areas, as well as their immediate family members. This means that if you're connected to our vibrant community in any way, you are eligible to become a member! Being part of Saco Valley offers you access to a variety of financial products and services designed with your needs in mind, from checking accounts to auto loans and more. The process of becoming a member is straightforward and welcoming. You can find all the details about eligibility on our website at this link. If you're ready to take the next step, opening an account is just as easy check out how to get started at this link. If you have any questions or need assistance, feel free to give us a call at 207-286-3638. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $19 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,281,042, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work

Imagine running your business smoothly, with transactions processed efficiently and securely. Our merchant services ensure you can accept payments easily, whether in-person or online. This means faster sales and happier customers, allowing you to focus more on what matters growing your business. Located at 500 Main St Saco Me 04072, Saco, ME 04072, we invite you to visit us or call (207) 286-3638 to learn how our business banking and commercial services can empower your entrepreneurial dreams.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATMs are conveniently located for easy access to cash withdrawals and balance checks anytime you need them.

Auto Loans & Vehicle Financing

If you're dreaming of a new car or need reliable transportation, our auto loans and vehicle financing options make it easier than ever. Imagine driving off in a new vehicle with manageable monthly payments that won't break the bank. We guide you through the process, ensuring that you find a loan that suits your budget and preferences.

Business Banking

For our business members, we provide robust banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our business banking team will partner with you every step of the way.

Credit Cards with Rewards

Shopping should feel rewarding! That's why we offer credit cards with rewards programs tailored to fit your spending habits. Earn points on purchases that can be redeemed for travel, merchandise, or even cash back.

Drive-Thru Banking

For those quick transactions like deposits or withdrawals without leaving your car, our basic drive-thru banking service is available during lobby hours. At Saco Valley, we believe in providing personalized service that meets the unique needs of each member in Saco, ME. If you're interested in learning more about any of these services or how they can benefit you personally, don't hesitate to reach out! Call us at 207-286-3638 or visit us online at sacovalley.org. Let us help you take charge of your financial future today!

Mortgage Loans & Refinancing

Buying a home is one of life's biggest milestones, and at Saco Valley, we want to make it as stress-free as possible. Our mortgage loans come with competitive rates, and if you're already a homeowner looking to refinance, we offer solutions that can lower your monthly payments or help you access cash for renovations.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking services, managing your accounts has never been easier. Check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go using our user-friendly app.

Personal Banking

We know that managing money can be overwhelming, which is why our personal banking services are here to simplify your life. Whether you're looking for checking and savings accounts to keep your everyday transactions smooth or planning for future goals, we have options tailored just for you. Our team is ready to assist you in choosing the right accounts that fit your lifestyle.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our personal loans, you can tackle those challenges head-on. Whether it's medical bills or home repairs, having access to funds when you need them is crucial. Additionally, if you're juggling multiple debts, our debt consolidation options can simplify your payments into one manageable loan.

Digital & Online Banking

Enhanced Features

We also prioritize keeping you informed about your finances. With e-statements readily available, you can easily track your spending and manage your budget without the clutter of paper statements. All these features are designed not only to enhance your experience but also to give you peace of mind knowing that your information is protected. At Saco Valley, we're committed to providing accessible and user-friendly services that empower our members. Experience the freedom of real-time account management and take control of your financial journey today!

Key Services

Our online banking services provide you with round-the-clock access to your accounts. Whether you're checking your balance, paying bills, or transferring funds, you can do it all 24/7 with ease. Need to send money to a friend? Our person-to-person transfer feature lets you quickly send cash without any hassle. For those on the go, our mobile application brings the bank right to your pocket. Enjoy features like mobile payments, which allow you to make purchases with your smartphone it's both convenient and secure! Plus, with electronic signature authorization available, signing documents is quick and efficient.

Financial Strength

Commitment to Growth

With $18,193,171 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial; with $1,152 in used auto loans and $151,176,396 in total loans and leases, we support your financial goals across various sectors.

Member-Centric Approach

Members' savings are secured through $59,270,836 in share certificates and $21,496,703 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.

Operational Efficiency

Our commitment to sound financial practices is reflected in our $0. This figure showcases our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 29 full-time employees and 4 part-time employees. This ensures our branches are always ready to serve you with a knowledgeable, committed team.

Solid Foundation

With a net worth of $18,193,171, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $990 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Community Trust

Total Share and Deposit Accounts stand at 21,799, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $0, we are well-positioned to meet the needs of our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Saco Valley is your trusted partner. Visit us at 500 Main St Saco Me 04072 or call (207) 286-3638 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $18,612,165 in used vehicle loans and $8,003,246 in new vehicle loans already helping members get on the road. Whether you're purchasing a new model or a reliable used vehicle, our auto loans are designed to make your journey smooth and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $1,281,042 provide the capital needed to grow and expand. We understand the unique challenges facing businesses today and are here to support your growth with solutions tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,223,111, make buying or refinancing simple. We guide you through each step of the process, ensuring you find the right mortgage solution tailored to your budget.

Refinancing Options

If you're considering refinancing any existing loans or lines of credit, we have options available that could help lower your monthly payments or reduce your interest rate. Our team can assist you in determining eligibility and finding the best approach for your situation. Our branch is located at 500 Main St Saco Me 04072, and you can reach us at (207) 286-3638 during our operating hours: Monday through Wednesday from 8 a.m. to 5 p.m., Thursday from 8 a.m. to 6 p.m., Friday from 8 a.m. to 7 p.m., and Saturday from 8 a.m. to 1 p.m. Explore all our loan offerings by visiting our website at Saco Valley, where you can also find more information about eligibility requirements and how to apply for an account. 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 Saco Valley, we're dedicated to helping you achieve your financial aspirations with confidence.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,209,690 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards programs that can benefit your everyday spending.

Loan Aggregator

Accurate Loan 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), ensuring fair and transparent offers. Each lender's information is verified, which allows users to make informed decisions without the fear of hidden fees or misleading terms.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are viewing accurate and current information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means every user sees the same options, regardless of any advertising deals. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily compare offers side by side. This feature empowers borrowers to find the best possible deal tailored to their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how LendMesh can truly make a difference in your borrowing experience. 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.*

Saco Valley