2025 Overview
General Credit Union Information
Saco Valley is an NCUA insured institution located in Saco, ME. It was founded in 1947 and has approximately $182.75 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68324 |
| Date Established | 1947 |
| Assets | $182.75 million |
| Loans | $150.93 million |
| Deposits | $163.96 million |
| Capital | $18.56 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school in York or Cumberland Counties in Maine.
Deposit Rates - April 15, 2025
Your Current Location: New York, NY 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.26% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.20% | $1 | $499 | Learn More |
Loan Rates - April 15, 2025
Your Current Location: New York, NY 10007
There are currently no loan rates available for Saco Valley
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.896% | 6.750% | 0.88 | $4,795 | $2,076 | Learn More |
NMLS ID: 3030 |
7.602% | 7.500% | 1.00 | $3,200 | $2,238 | Learn More |
NMLS ID: 401822 |
Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Reliant Home Funding, Inc See Table |
Intro APR 7.300 % After Intro: 7.300 % |
$15,000 |
Learn More
More Info |
Note to Saco Valley
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Saco Valley branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Niagara Falls,New York
Saco Valley Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 442.48 | A | View Lobby Hours | |
| 456.36 | B | View Lobby Hours | |
| 456.87 | C | View Lobby Hours |
Climate Policy and Initiatives
SACO VALLEY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Saco Valley Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Saco Valley. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Saco Valley | U.S. Average |
|---|---|
| 4.60% | 7.07 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2024, Saco Valley had $855,016 in non-current loans and $20,000 in owned assets. To cover these potential losses it had $18,561,802 in net worth and $478,680 in loans loss reserves. That gives it a Texas Ratio of 4.60%.
Net Worth
| Saco Valley | U.S. Average |
|---|---|
| 10.16% | 14.25% |
Saco Valley FCU has a net worth of 10.16% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Saco Valley
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