Saco Valley Credit Union Waterboro ME | Best Auto Loans & Personal Banking

Introduction

Welcome to Saco Valley at the Waterboro Branch Office, where your financial well-being is our top priority. Located at 860 Main St, Waterboro, ME 04087, we have been proudly serving our community since 1947. With over 9,196 members and $18,385,7095 in total assets, we are committed to providing personalized banking solutions that meet your unique needs. At Saco Valley, we believe in building lasting relationships with our members. Whether you're looking for a new auto loan, refinancing your mortgage, or simply opening a checking account, our dedicated team is here to help. Under the leadership of our CEO, Kevin Partridge, and Board President, Timothy Nelson, we strive to create a welcoming atmosphere where you feel valued and supported. For your convenience, while members can visit us at our branch address for all banking needs, official correspondence should be directed to our mailing address: PO Box 740, Saco, ME 04072. We invite you to explore our wide range of services from personal banking to business loans designed with you in mind. With a commitment to community impact and financial education, Saco Valley has made significant strides in helping families achieve their financial goals. Our total deposits currently stand at $8,929,465, reflecting the trust placed in us by our members. So why wait? Visit us today or give us a call at 207-247-6000. Let's start this journey together towards achieving your financial aspirations! For more information about our services or to explore membership options, please check out our website at sacovalley.org. Your financial future begins here!

Branch History & Mission

Join Us

As we look ahead, we invite you to become part of our story. Experience the benefits of membership with Saco Valley Credit Union today! Visit us during our operating hours Monday through Thursday from 9 a.m. to 5 p.m., Tuesday from 9 a.m. to Noon, Wednesday from 9 a.m. to 4 p.m., and Friday from 9 a.m. to 6 p.m. or give us a call at 207-247-6000. Let's work together toward achieving your financial goals!

Our Mission

At Saco Valley, our mission is clear: we are dedicated to empowering individuals and businesses through personalized financial solutions and unwavering support. We believe that strong communities are built on strong relationships. That's why we invest in local initiatives and partner with organizations that share our commitment to making a positive impact. Our outreach efforts extend beyond just providing financial services; we actively participate in community events and support local charities. Whether it's sponsoring youth sports teams or organizing financial literacy workshops, we strive to give back to the people who have supported us throughout the years. While members can visit us at 860 Main St, official correspondence should be sent to PO Box 740, Saco, ME 4072.

Our Story

Saco Valley began with a simple yet powerful mission: to provide accessible financial services to everyone in our community. Over the years, we've expanded our offerings from basic savings accounts to include personal loans, vehicle financing, and business banking solutions. Our team has continually adapted to meet the evolving needs of our members while maintaining our core values of integrity and service. As we moved into the digital age, we've embraced technology to enhance your banking experience. Our online and mobile banking options make it easier than ever for you to manage your finances on-the-go. We understand that convenience matters, which is why we also offer ATM access and drive-thru banking services at our branch.

Branch Location & Accessibility

Banking Hours Tailored for You

We understand that life can get busy! That's why we offer flexible operating hours designed with your schedule in mind. Visit us Monday and Thursday from 9 a.m. to 5 p.m., Tuesday from 9 a.m. to noon, Wednesday from 9 a.m. to 4 p.m., and Friday until 6 p.m. Our friendly staff is ready to help you during these times, whether you need personal banking services or assistance with loans.

Convenient Access and Amenities

At our Waterboro location, you'll find ample parking available right outside the entrance, ensuring that your visit is hassle-free. The branch is fully ADA compliant, featuring ramps and accessible entrances so everyone can easily access our services. Whether you're coming in for a quick transaction or to explore our loan options, we're here to assist you every step of the way.

Services Designed for Your Needs

Our Waterboro Branch provides a variety of services tailored just for you from checking and savings accounts to auto loans and mortgage refinancing options. If you're on the go, take advantage of our ATM services available on-site or use our drive-thru banking for quick deposits and withdrawals without leaving your car. While members can visit us at 860 Main St for all their banking needs, please note that official correspondence should be sent to PO Box 740, Saco, ME 4072. Ready to experience convenient banking? Give us a call at 207-247-6000 or stop by today! We can't wait to welcome you into the Saco Valley family!

Member Eligibility

At Saco Valley, we believe that becoming a member is like joining a close-knit family where your financial well-being is our top priority. If you live, work, worship, or attend school in the York County area, you are already eligible to join us! We welcome individuals from all walks of life and understand that everyone has unique financial needs. By becoming a member of Saco Valley, you gain access to a range of personalized services designed to help you thrive, whether it's saving for a big purchase or financing your dream vehicle. The process of opening an account with us is straightforward and welcoming. You can easily start your membership journey by visiting our website at Saco Valley Membership Eligibility for detailed eligibility criteria. If you're ready to open an account or have any questions, feel free to give us a call at 207-247-6000. We're here to support you every step of the way as you take this exciting step toward financial empowerment!

Business Banking & Commercial Services

Business Loans That Make a Difference

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 Simplify Transactions

Imagine having all the tools you need to manage payments right at your fingertips. Our merchant services allow you to accept payments easily, whether online or in-person. This means you can focus on what really matters growing your business. From credit card processing to mobile payment options, we've got you covered. Ready to take your business to the next level? Visit us at 860 Main St Waterboro Me 04087 in Waterboro, ME, or give us a call at (207) 247-6000. Let's turn your vision into reality together!

Comprehensive List Of Services

Business Banking

For entrepreneurs and local businesses, we offer specialized business banking services, including merchant services and business loans that cater to the unique needs of your operations. Whether you're just starting or looking to expand, we're here to support your journey.

Credit Cards

At Saco Valley, we also provide credit cards with rewards, which allow you to earn points or cash back on your everyday purchases. Imagine using your credit card for groceries and getting rewarded for it it's just one way we strive to give back to our members.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why our online and mobile banking platforms allow you to manage your accounts from anywhere at any time. You can pay bills, transfer money, and even deposit checks right from your smartphone! Plus, our ATM services ensure that you can access cash quickly whenever needed.

Drive-Thru Banking

For those who prefer face-to-face interactions but need a quick service, our basic drive-thru banking options cover deposits, withdrawals, and simple transactions without needing to leave your vehicle. This service is perfect for busy days when you're on the go. At Saco Valley Credit Union in Waterboro, ME, we're more than just a financial institution; we're part of your community. If you're interested in learning more about how we can help with your financial journey or if you have questions about any of our services, feel free to give us a call at 207-247-6000 or visit us online at sacovalley.org. Your financial well-being is our priority!

Loans and Financing Options

Need a new vehicle or dreaming of owning a home? Our auto loans and vehicle financing options make purchasing a car straightforward and affordable. If you're considering buying a house, check out our mortgage loans and refinancing services that can help make your dream of homeownership a reality. For those unexpected expenses, our personal loans and debt consolidation services offer quick solutions to get back on track without the stress.

Personal Banking

Whether you are looking to manage your daily expenses or save for future aspirations, our personal banking services have you covered. With checking and savings accounts designed for ease and flexibility, you can easily access your funds when you need them. Many of our members find that having a dedicated savings account helps them reach their financial milestones faster.

Digital & Online Banking

Key Features

Our digital offerings include electronic signature authorization, making it easy for you to complete transactions without needing to visit a branch. You can also enjoy e-statements, which help you stay organized while reducing paper clutter. Plus, with our mobile application, available for download on major app stores, managing your finances is just a tap away. If you're looking for an easy way to send money to friends or family, our person-to-person transfer feature allows you to do just that! Need to make payments quickly? Our mobile payments feature lets you make secure transactions using your smartphone.

Security and Accessibility

We prioritize the security of your financial information. Our systems utilize advanced encryption and authentication protocols so that you can bank confidently. Plus, our intuitive interface ensures that even those who aren't tech-savvy can navigate through their accounts with ease. In summary, Saco Valley offers robust digital banking solutions designed for modern lifestyles. Whether you're at home or on the move, managing your finances has never been easier or more secure!

Financial Strength

A Trusted Partner

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 860 Main St Waterboro Me 04087 or call (207) 247-6000 to learn more about how we can help you achieve your financial goals.

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 supports your financial goals across various sectors, with $1,152 in used auto loans and $151,176,396 in total loans and leases. Our operational efficiency is reflected in our $0, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

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.

Strong Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have $18,612,165 in used vehicle loans and $8,003,246 in new vehicle loans already helping members get on the road. Whether it's a brand-new model or a reliable pre-owned option, we are here to support your purchase with competitive financing options.

Business Loans

For business owners seeking capital for growth or expansion, our outstanding commercial loans totaling $1,281,042 provide the necessary funds to take your business to the next level. We understand that every business has unique needs and are committed to finding solutions that work best for you.

Credit Lines and Unsecured Loans

For those looking for flexibility in managing their finances, we provide various credit line options with a total of $52,558,490 available. Additionally, our unsecured credit card loans total $2,209,690, offering members an easy way to handle unexpected expenses or consolidate debt without the hassle of collateral.

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 aim to make the mortgage process straightforward and accessible for all our members.

Refinancing Options

If you're considering refinancing your existing loans or looking for eligibility options for any of our loan products, we encourage you to reach out. Our dedicated team is ready to assist you in understanding your choices and finding the best plan tailored specifically for you. Our commitment at Saco Valley is not just about providing loans; it's about building relationships and supporting our community's financial well-being. To learn more about how we can assist you further or if you're ready to apply for a loan today, visit us at Saco Valley or give us a call. All 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 Aggregator

Benefits of Using LendMesh

LendMesh stands out in several key areas: - Verified Data: All loan offers are sourced from legitimate financial institutions. This approach guarantees transparency, so you can trust that the options presented are genuine. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results that put your needs first. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly and efficiently. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the value and reliability that LendMesh brings to 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

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 commitment to using verified data ensures fair and transparent offers for every user.

SACO VALLEY CREDIT UNION - Waterboro, ME