The County Old Town ME Credit Union | Quick Personal Loans & Business Banking

Introduction

At The County, we understand that financial decisions are more than just numbers; they are about your dreams and goals. Located at 205 Main St, Old Town, ME 04468, our branch has been serving the community since 1956 with a commitment to helping our 30,625 members achieve their financial aspirations. Our total assets have grown to an impressive $471,460,508, reflecting our stability and reliability as your trusted credit union. While you can visit us at our branch for personalized service, please note that any official correspondence should be sent to our mailing address: PO Box 434, Old Town, ME 4468. Under the leadership of our dedicated CEO, Ryan Ellsworth, and Board President, Tamra Kilcollins, we prioritize your needs by offering a range of services from personal banking to business loans. With 108 employees, we're proud to foster a friendly and knowledgeable environment ready to assist you. Our robust financial health is evident through our total deposits of $17,975,048 and a net worth of $51,914,716. We also have a significant loan portfolio with over 23,647 loans and leases issued to help you finance everything from cars to homes. At The County, we believe in community impact and member satisfaction. We're not just about transactions; we're about relationships. Whether you're looking for an auto loan or need assistance with online banking services, our team is here for you. Ready to take the next step? Call us at 207-827-3165 or visit our website at countyfcu.org to learn more about how we can support your financial journey!

Branch History & Mission

Community Commitment

We are not just about numbers; we are about people. Our partnerships with local organizations help us give back through various outreach efforts. From sponsoring community events to providing financial education workshops, The County is deeply invested in making Old Town a better place for everyone. With convenient ATM access and drive-thru banking options available for quick transactions, we ensure that banking with us is both efficient and hassle-free.

Join Us Today!

As we look forward to the future, we invite you to join The County family. Experience firsthand the benefits of being part of a credit union that truly cares about its members and the community. For more information on membership or to open an account today, please visit our website or call us at 207-827-3165. Together, let's build a brighter financial future!

Our Journey

Located at 205 Main St, right in the heart of Old Town, our branch is easily accessible for all your banking needs. Over the years, we have embraced growth and innovation while maintaining our community-focused mission. As we expanded our offerings from traditional checking and savings accounts to auto loans and business banking we've also placed a strong emphasis on digital advancements. This includes online banking and mobile applications designed to make managing your finances easier than ever. While members can visit us at 205 Main St, official correspondence should be sent to PO Box 434, Old Town, ME 4468. Our branch operates from 8:00 AM to 5:00 PM, Monday through Friday, ensuring that we are available when you need us most.

Our Mission

At The County, our mission goes beyond just providing financial services; we are committed to enhancing the lives of our members and the wider community. We believe in empowering individuals with the tools they need to achieve their financial goals. Whether it's helping you secure a home through mortgage loans or offering personal loans for unexpected expenses, we strive to provide solutions tailored to your unique circumstances. Our total assets stand at an impressive $471,460,508, reflecting our stability and dedication to serving our members' best interests. We take pride in being a member-driven institution that prioritizes transparency and trust.

Branch Location & Accessibility

Welcome to The County, your friendly neighborhood credit union located at 205 Main St in Old Town, ME. We are proud to serve the Penobscot County community with a commitment to providing convenient and accessible banking solutions tailored to your needs. Our branch is nestled near popular spots like the Old Town Museum and just a short drive from local schools, making it easy for you to stop by anytime. At The County, we ensure that our branch is easy to access for everyone. Our facility is ADA compliant, featuring ramps and spacious parking areas that cater to all members of our community. Whether you're visiting us for personal banking services or looking into loan options, you'll find our location welcoming and accommodating. We're open Monday through Friday from 8:00 AM to 5:00 PM, giving you plenty of time during the week to manage your finances. If you need quick cash or want to check your account balance, you can take advantage of our ATM services available right at the branch. For those who prefer added convenience, we also offer drive-thru banking for quick deposits and withdrawals without leaving your car. While members can visit us at 205 Main St, official correspondence should be sent to PO Box 434, Old Town, ME 4468 if necessary. If you have any questions or need assistance, don't hesitate to give us a call at 207-827-3165. Come visit The County today! We look forward to helping you achieve your financial goals with personalized service and a smile.

Member Eligibility

At The County, we're excited to welcome you into our community! Becoming a member is all about connecting with a supportive network that truly cares about your financial well-being. To be eligible for membership, you simply need to live, work, worship, or attend school in the areas we serve. This means if you're part of our vibrant local community, you're already on the path to joining us! You can find more detailed eligibility information by visiting https://www.countyfcu.org/membership/. Once you're ready to take the next step, opening an account with us is straightforward and hassle-free. Just head over to https://www.countyfcu.org/loan-applications/, and you'll find everything you need to get started. If you have any questions along the way, feel free to give us a call at (207) 827-3165. We look forward to having you as part of our family at The County, located at 205 Main St Old Town Me 04468!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $104 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 $15,022,018, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that can make running your business easier. Imagine being able to accept payments from customers quickly and securely, whether they're using cards or mobile payments. Our services streamline transactions so you can focus on what you do best growing your business. Visit us at 205 Main St Old Town Me 04468 in Old Town, ME or call us at (207) 827-3165 to learn more about how our business banking and commercial services can benefit you!

Comprehensive List Of Services

ATM Access

Need cash on the go? Our ATM services ensure that you can access your money easily. With basic ATM functions available at numerous locations, withdrawing cash or checking balances has never been simpler.

Business Banking Services

If you're a business owner, The County is here for you as well! Our business banking services include merchant services to help streamline transactions and business loans designed to fuel growth. We believe in supporting local businesses because when they thrive, our community thrives.

Convenient Online and Mobile Banking

In today's busy world, convenience is key. That's why we offer robust online and mobile banking options. Manage your accounts from anywhere at any time pay bills, transfer funds, and check balances with just a few clicks or taps on your device. If you prefer face-to-face interaction but need quick service, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car.

Get Started Today!

With so many options available at The County, there's no better time to take charge of your financial future. Visit us at 205 Main St, Old Town, ME 04468, or give us a call at 207-827-3165 for more information about how we can assist you. You can also explore our services further by visiting our website at countyfcu.org. We look forward to helping you achieve your financial goals!

Personal Banking Solutions

Our personal banking services include both checking and savings accounts designed for everyday use. Imagine easily accessing your funds whenever you need them, whether you're making a quick purchase or saving for a rainy day. We also offer auto loans and vehicle financing options that make it easier than ever to get behind the wheel of your dream car. Need a home? Our mortgage loans and refinancing options can help turn that dream into reality, with manageable terms that fit your budget. For those unexpected expenses or plans that require extra funding, our personal loans and debt consolidation solutions provide flexibility and support when you need it most. Plus, our credit cards come with rewards programs that allow you to earn while you spend perfect for those who love to shop or travel.

Digital & Online Banking

Accessibility and Ease of Use

Navigating your finances has never been easier! Our platform is designed with you in mind simple and straightforward so you can find what you need without any hassle. You can access real-time account management tools that give you insights into your spending and saving habits. Whether you're looking to stay on top of your budget or need quick access to funds, The County's digital banking services are here to support you every step of the way. Embrace the ease of managing your finances today!

Key Features

With 24/7 online banking services, you can check your account balances, transfer funds, and pay bills all from the comfort of your home. If you prefer using your smartphone, our mobile application is available for download, allowing you to carry out banking tasks right from your pocket. Plus, if you ever need to send money quickly, our person-to-person transfers make it a breeze to send cash to family and friends. Security is always a top priority at The County. We offer electronic signature authorization for added protection when completing important transactions online. You'll also appreciate the availability of e-statements, which not only help you stay organized but also reduce paper clutter.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 62,031, showing a strong and growing member base that trusts us with their finances. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The County is your trusted partner. Visit us at 205 Main St Old Town Me 04468 or call (207) 827-3165 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Operational Efficiency

Our $606,241 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 102 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinventing Member Services

With $44,249,509 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 $8,287 in used auto loans and $365,062,333 in total loans and leases.

Secure Savings Options

Members' savings are secured through $126,313,287 in share certificates and $86,081,037 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $744,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $51,914,716, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.01% 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 $142,042,565 in used vehicle loans and $40,757,378 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make it easier for you to secure financing for your dream vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $15,022,018 provide the capital needed to grow and expand. We understand the unique challenges facing small businesses today and are committed to offering tailored solutions that meet your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,500,905, make buying or refinancing simple. We offer various mortgage products tailored to fit your unique situation, whether you're a first-time buyer or looking to refinance your current mortgage.

Refinancing Options

If you're considering refinancing existing loans, we encourage you to explore our competitive refinancing options. Our team is here to assist you in finding the best solution that fits your financial situation. For further information about our loan offerings or to discuss eligibility requirements, please don't hesitate to reach out. You can contact us at (207) 827-3165, visit us at 205 Main St Old Town Me 04468, or check out our website at https://www.countyfcu.org/ for more details. 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

For those who want more control over their spending, we also offer flexible terms on unsecured credit card loans, with a total of $2,381,278 in loans helping members manage their finances effectively. Our credit cards come with rewards and features designed to enhance your purchasing power while keeping costs manageable.

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THE COUNTY FEDERAL CREDIT UNION - Old Town, ME

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