Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Saco, ME
Founded in 1947, Saco Valley Credit Union has dedicated itself to prioritizing member needs over profits. With decades of experience serving communities in Maine, we offer a comprehensive range of financial services including low-rate loans, competitive savings accounts, and innovative digital banking solutions. Our team of financial experts combines deep industry knowledge with personalized service to help members achieve their financial goals.As a federally insured credit union, we uphold the highest standards of accountability and transparency, ensuring every decision aligns with our core values of community engagement and financial empowerment. Our commitment to excellence is demonstrated through our NCUA-insured products, tailored lending programs, and community-focused initiatives that have earned us trust across York and Cumberland Counties.
Services
Auto Loans
Personal Loans
Mortgages
Commercial Loans
Savings Accounts
Checking Accounts
Credit Cards
Mobile Banking
Home Equity Loans
Teen Banking
Details
- Year established: 1947
Highlights and features
- We offer low-rate loans with flexible terms for various financial needs
- Our digital banking platform provides 24/7 access to account management
- Community-focused financial institution serving Maine since 1947
- Federally insured accounts up to $250,000 through NCUA
- Personalized financial solutions tailored to individual member needs
Associations and certifications
- NCUA
Services
Auto Loans
We provide competitive auto loans for new and used vehicles with flexible terms up to 83 months. Our financing options cover cars, trucks, motorcycles, and recreational vehicles. With rates starting at 4.49% APR for qualified borrowers, we help members secure reliable transportation while maintaining financial responsibility.
Personal Loans
Our personal loans offer flexible financing solutions for debt consolidation, home improvements, and special events. With loan amounts from $100 to $10,000 and rates starting at 9.99% APR, these unsecured loans provide financial flexibility without requiring collateral for qualified applicants.
Mortgages
We specialize in home purchase and refinance options including conventional mortgages, VA loans, and government-backed programs. Our local mortgage team provides personalized guidance through the home buying process with competitive rates and guaranteed local servicing for Maine residents.
Savings Accounts
We offer multiple savings solutions including high-yield accounts with tiered interest rates up to 1.46% APY. Our Whiz Kids program encourages youth savings, while club accounts help members save for specific goals like holidays or vacations with flexible options.
Commercial Loans
Our commercial lending services support local businesses with financing for properties, equipment, and expansion projects. We offer term collateral loans and specialized financing solutions for commercial real estate, hospitality ventures, and investment properties across southern Maine.
Questions
What loan options are available for first-time homebuyers?
We offer conventional fixed-rate mortgages, VA loans, FHA loans, and Rural Housing options with competitive rates and flexible terms.
How can I access my accounts outside of business hours?
Our mobile banking app provides 24/7 access to account management, bill payment, and mobile deposit services.
What credit union service areas do you cover?
We serve residents and businesses in York County, Cumberland County, and surrounding areas in Maine.
Do you offer business banking solutions?
Yes, we provide commercial loans and business banking services for local businesses and commercial property owners.
What youth financial education programs do you offer?
Our Whiz Kids savings program rewards students for academic achievement and teaches financial responsibility.
How do I apply for a personal loan?
Apply online through our website or visit any of our Maine branches for in-person assistance with loan applications.
