United Community Credit Union University Bangor ME | Affordable Vehicle Loans & Low Mortgage Rates

Introduction

Welcome to University Credit Union, your trusted financial partner located at 977 Union St, Bangor, ME 04401. Established in 1967, we have proudly served our community for over five decades, providing a safe haven for your savings and a pathway to fulfilling your financial goals. With a total membership of 31,191, we are dedicated to ensuring our members receive personalized service and a range of financial products tailored to meet their needs. At University Credit Union, we understand that financial health is essential for both individuals and businesses. That's why we manage total assets of $498,027,367 and maintain a strong net worth of $47,188,377, reflecting our commitment to stability and growth. Our robust offerings include auto loans, mortgages, personal loans, and business financing solutions with a total loan portfolio of 19,393 loans and leases. Whether you're looking to open a checking account or need assistance with vehicle financing, our knowledgeable staff is here to help you every step of the way. We also offer modern conveniences like online banking and mobile payment options so you can manage your finances easily. You can reach us at 207-992-2900 during lobby hours from Monday to Wednesday from 9 AM to 4 PM and Thursday to Friday from 9 AM to 5 PM. Our drive-up ITM service is available Monday through Friday from 8 AM to 5 PM. If you have any official correspondence, please send it to our mailing address: 977 Union St, Bangor, ME 4401. Come visit us or give us a call today; we look forward to helping you achieve your financial dreams!

Branch History & Mission

Community Focus

At University, giving back is ingrained in our mission. We actively engage with local organizations and initiatives aimed at improving the quality of life in Bangor. Whether it's through partnerships with schools or supporting local charities, we believe in investing in our community just as much as we invest in our members' financial well-being. If you're looking for personalized service from a team that truly cares about your success, look no further than University. While members can visit us at 977 Union St Bangor Me 04401, official correspondence should be sent to 977 Union St, Bangor, ME 4401 if different. Join us today and experience the difference that comes from being part of a credit union that puts people first. Call us at (207) 992-2900 or explore our website at https://umaine.edu/ for more information about how we can assist you on your financial journey!

Our Evolution

From our humble beginnings, we have evolved into a modern credit union that offers a wide range of services, including personal checking and savings accounts, auto loans, mortgages, and business banking solutions. We pride ourselves on being at the forefront of innovation, with features like online banking, mobile payments, and electronic signatures available for our members' convenience. Our commitment to accessibility extends beyond just financial products. We ensure that our facilities are ADA compliant, providing an inclusive environment for all members of our community. With an ATM available and drive-thru services operating during convenient hours Monday through Friday from 9 AM to 5 PM we strive to meet the diverse needs of those we serve.

Branch Location & Accessibility

Accessibility and Parking

At University, we prioritize accessibility for all our members. Our facility meets ADA compliance standards, ensuring everyone can enter comfortably. We offer ample parking options right outside our entrance, so you won't have to worry about finding a spot when you arrive.

Come Visit Us!

Whether you're looking to open an account or explore loan options, we invite you to stop by University at 977 Union St Bangor Me 04401. For any questions or assistance before your visit, feel free to call us at (207) 992-2900. We're excited to welcome you into our community!

Operating Hours and Services

We understand that life gets busy, which is why our lobby is open Monday through Wednesday from 9 AM to 4 PM and Thursday through Friday from 9 AM to 5 PM. If you're in a hurry, take advantage of our drive-thru service available Monday through Friday from 8 AM to 5 PM. Our friendly staff is ready to assist you with a variety of services, including personal banking like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and even business banking solutions. Plus, we provide ATM services for quick cash withdrawals and basic transactions.

Member Eligibility

At University, we believe that joining our community should feel welcoming and inclusive. If you live, work, or study in the Bangor area, you're likely eligible to become a member! We strive to support individuals and families by offering a range of services tailored to your needs. Membership not only grants you access to competitive rates on loans and savings accounts but also connects you with a network of resources designed to help you succeed financially. To learn more about the specific eligibility criteria, we invite you to visit our detailed page at . The process of becoming a member is straightforward simply give us a call at (207) 992-2900 or stop by our branch located at 977 Union St Bangor Me 04401. Our friendly team is here to assist you every step of the way!

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 $46 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $12,974,459, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Managing payments shouldn't add stress to your day. Our merchant services make transactions easy and efficient. Imagine being able to accept payments from customers anytime and anywhere be it through card swipes, mobile payments, or online transactions. This flexibility not only enhances customer satisfaction but also helps improve cash flow for your business. Visit us at 977 Union St Bangor Me 04401 in Bangor, ME, or call us at (207) 992-2900 to explore how we can help your business thrive!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing options are competitive and flexible. We understand that buying a car can be overwhelming, so we offer personalized assistance to ensure you find the right loan that fits your budget.

Business Banking Services

For local businesses, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. We understand the unique challenges businesses face and are committed to supporting their growth with tailored financial products.

Credit Cards with Rewards

Our Credit Cards come with rewards that can benefit your everyday spending. From cashback on purchases to travel rewards, we aim to provide cards that offer value while helping you build credit responsibly.

Digital Banking Features

With our Online & Mobile Banking services, managing your accounts has never been easier. Enjoy features like ATM & Cash Withdrawal Services that allow you access anytime, anywhere. Our Basic Drive-Thru Banking also provides convenient options for deposits, withdrawals, and simple transactions without stepping out of your vehicle. In addition, as part of our commitment to community service, we offer Basic Shared Branch Transactions for partner credit union members, making it easy for everyone in the area to bank with us. At University, we pride ourselves on making banking simple and accessible for all our members. If you have any questions or need assistance with any of our services, don't hesitate to reach out! You can contact us at (207) 992-2900 or visit us at our branch in Bangor. We look forward to serving you!

Home Financing Options

For those considering homeownership, our Mortgage Loans & Refinancing services provide various choices to help you secure the best rates available. Whether you're a first-time buyer or looking to refinance an existing mortgage, our knowledgeable staff is ready to guide you through the process.

Personal Banking Solutions

Whether you're opening your first checking account or looking for savings options, we have you covered. Our personal banking services include Checking & Savings Accounts that are designed to help you manage your finances effortlessly. You can easily track your spending and save for future goals with our user-friendly online and mobile banking platforms.

Personal Loans and Debt Consolidation

If you're facing unexpected expenses or trying to manage debt, consider our Personal Loans & Debt Consolidation options. We work with you to create a plan that alleviates financial stress and helps you regain control over your finances.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to view your account balances in real-time and track your spending habits effortlessly. You can also take advantage of our e-statements feature, ensuring that you have quick access to all your financial documents while being environmentally friendly. Plus, with electronic signature authorization available, signing important documents has never been easier or more secure. If you're on the go, our mobile application makes banking even more accessible. Whether you're making mobile payments or using our person-to-person transfer feature to send money to friends or family, everything is just a tap away. You can even manage your budget right from your smartphone!

Security You Can Trust

We prioritize your security. Our digital banking services are equipped with robust security measures so you can bank confidently knowing that your personal information is well-protected. With user-friendly interfaces and straightforward navigation, you'll find managing your finances straightforward and stress-free. In short, University combines convenience with cutting-edge security features to provide a seamless online banking experience tailored to fit your lifestyle. Join us today at https://umaine.edu/ and discover how easy it is to take control of your finances!

Financial Strength

Commitment to Growth and Innovation

With $47,188,377 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 across various sectors with $3,806 in used auto loans and $404,588,646 in total loans and leases.

Growing Member Base

Our strength is further highlighted by the trust shown by our growing member base evidenced by 66,772 total share accounts. This shows how many people believe in the services we provide at University. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, University is your trusted partner. Visit us at 977 Union St Bangor Me 04401 or call (207) 992-2900 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.

Member-Centric Savings Solutions

Members' savings are secured through $57,188,033 in share certificates and $14,200,863 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 $0 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 99 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundations

With a net worth of $47,188,377, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $948 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 $58,964,700 in used vehicle loans and $15,939,743 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or need support for a reliable used car, our team is here to guide you through the process.

Business Loans

For business owners, our outstanding commercial loans totaling $12,974,459 provide the capital needed to grow and expand your business. We are committed to supporting local enterprises and helping them thrive.

Eligibility and Refinancing Options

If you're considering refinancing or want to explore eligibility options, our dedicated team is ready to assist you. We strive to make the lending process as transparent and straightforward as possible. At University, we are committed to serving our community with integrity and transparency. 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. To learn more about how we can help you reach your financial goals, feel free to contact us at (207) 992-2900 or visit us at 977 Union St Bangor Me 04401 in Bangor, ME.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $27,995,356, make buying or refinancing simple. We provide personalized service to help you navigate the complexities of securing a mortgage, whether it's your first home or an investment property.

Unsecured Credit Card Loans

Managing daily expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $11,203,372 in loans, our credit cards can help you manage your finances effectively while enjoying rewards for your everyday spending.

Loan Aggregator

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 accuracy means that you receive fair and transparent offers every time you use the service.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency and trustworthiness in what you see. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. This ensures that the results you receive are truly unbiased. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users find the best possible terms for their needs. 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!" Such testimonials reflect the reliability and effectiveness of this comparison tool. If you're ready to take control of your borrowing options, 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.

UNIVERSITY CREDIT UNION - Bangor, ME