What are the current interest rates at Saco Valley Credit Union?

Current rates for Saco Valley Credit Union include: Savings: 1.26%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Saco Valley Credit Union

iAdvertiser Disclosure

Saco Valley Credit Union Rates & Review October 2026

Q: How many branches does Saco Valley Credit Union operate?

Saco Valley Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Saco Valley Credit Union?

Yes, to access services at Saco Valley Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Saco Valley Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Saco Valley Credit Union's top rates as of October 10, 2026 are 4.23% APY on its 15 Month Special CD, 1.26% APY on savings, personal loans from 14.24% APR, and credit cards from 6.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Saco Valley Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.64%. Rates last updated and verified on 10/10/2026.

Saco Valley Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Saco Valley Credit Union? Share your experience about Saco Valley Credit Union by leaving a review below, or read customer reviews before you decide to use Saco Valley Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.64%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Saco Valley Credit Union
Downtown Saco Office

312 Main St
Saco, ME 04072-1515

https://www.sacovalley.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Saco Valley Credit Union CD Rates

Product	Rate	APY	Term	View More
15 Month Special Certificate	4.15%	4.23%	15 Month
Min Deposit $500 Min Balance $500 Details Balance: $500.00+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.23% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Saco Valley Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings	1.25%	1.26%
Min Deposit $1,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
High-Yield Savings	1.10%	1.11%
Min Deposit $1,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
High-Yield Savings	1.00%	1.01%
Min Deposit $1,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
High-Yield Savings	0.60%	0.60%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500.00 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
IRA Club	0.50%	0.50%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Christmas or All-Purpose Club	0.15%	0.15%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Christmas or All-Purpose Club	0.10%	0.10%
Min Deposit $25 Min Balance $25 Details Balance: $25.00 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Saco Valley Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Non-Titled Vehicle Loan	5.49%	-	5.59%	0-23 Months
Details As low as*; These rates apply to non-titled vehicles including: motorcycles under 300cc, boats, personal watercraft, snowmobiles, ATVs, trailers under 3,000 lbs and other chattel (collateral secured by UCC). Rates are effective 08/05/2025 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and credit worthiness. All rates and loans are subject to credit approval. Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Other terms and rates may be available. Contact an SVCU loan officer for more information. Payment Examples: 23 month term auto loan: $25,000 at 23 months at 5.49% interest rate = 22 payments of $1148.81 per month with a final payment of $1148.57 includes a $25 document fee; 5.59%APR and Minimum loan amount for 0-23 months is $1,000. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Titled Vehicle Loan	5.99%	-	6.04%	24-47 Months
Details As low as*; These rates apply to non-titled vehicles including: motorcycles under 300cc, boats, personal watercraft, snowmobiles, ATVs, trailers under 3,000 lbs and other chattel (collateral secured by UCC). Rates are effective 08/05/2025 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and credit worthiness. All rates and loans are subject to credit approval. Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Other terms and rates may be available. Contact an SVCU loan officer for more information. Payment Examples: 47 month term auto loan: $25,000 at 47 months at 5.99% interest rate = 46 payments of $598.72 per month with a final payment of $598.31 includes a $25 document fee; 6.04%APR and Minimum loan amount for 24-47 months is $3,000. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Titled Vehicle Loan	6.49%	-	6.53%	48-65 Months
Details As low as*; These rates apply to non-titled vehicles including: motorcycles under 300cc, boats, personal watercraft, snowmobiles, ATVs, trailers under 3,000 lbs and other chattel (collateral secured by UCC). Rates are effective 08/05/2025 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and credit worthiness. All rates and loans are subject to credit approval. Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Other terms and rates may be available. Contact an SVCU loan officer for more information. Payment Examples: 65 month term auto loan: $25,000 at 65 months at 6.49% interest rate = 64 payments of $457.72 per month with a final payment of $457.00 includes a $25 document fee; 6.53%APR and Minimum loan amount for 48-65 months is $7,500. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.53% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Non-Titled Vehicle Loan	6.99%	-	7.02%	66-83 Months
Details As low as*; These rates apply to non-titled vehicles including: motorcycles under 300cc, boats, personal watercraft, snowmobiles, ATVs, trailers under 3,000 lbs and other chattel (collateral secured by UCC). Rates are effective 08/05/2025 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrower's term and credit worthiness. All rates and loans are subject to credit approval. Vehicle loans are available for vehicles 10 or less model years old. The age of the vehicle will determine the maximum length of term available. Other terms and rates may be available. Contact an SVCU loan officer for more information. Payment Examples: 83 month term auto loan: $25,000 at 83 months at 6.99% interest rate = 82 payments of $381.16 per month with a final payment of $380.88 includes a $25 document fee; 7.02%APR and Minimum loan amount for 66-83 months is $10,000. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.02% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Saco Valley Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card	-	6.99%
Details As Low As; * Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Saco Valley Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	14.24%	24 Months
Details Credit Builder Loan provides funds for shared secured loan to help build or rebuild credit. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrowers term and credit worthiness. All rates and loans are subject to credit approval. Other terms and rates may be available. Contact an SVCU loan officer for more information. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 14.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Saco Valley Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	12.99%	-	14.24%	24 Months
Details Credit Builder Loan provides funds for shared secured loan to help build or rebuild credit. Rates are effective 11/01/2023 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrowers term and credit worthiness. All rates and loans are subject to credit approval. Other terms and rates may be available. Contact an SVCU loan officer for more information. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 14.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Teen Credit Builder Loan	12.99%	-	14.24%	24 Months
Details Credit Builder Loan provides funds for shared secured loan to help build or rebuild credit. Rates are effective 11/01/2023 and subject to change without notice. APR = Annual Percentage Rate. Fees, amount financed and actual term may affect the actual APR and rate of your loan. SVCU loans are done using risk-based pricing to determine the interest rate and are based on the borrowers term and credit worthiness. All rates and loans are subject to credit approval. Other terms and rates may be available. Contact an SVCU loan officer for more information. Payment Example: 24 month term : $2,000 at 24 months at 12.99% interest rate = 23 payments of $96.32 per month with a final payment of $96.10 includes a $25 document fee; 14.24%APR and Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.20% → 14.24% ▲ 9.04 pts · high 14.24% / low 5.20% Sep 22, 202614.24%▲ from 5.20% Sep 14, 20265.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Teen Credit Builder Loan	3.99%	-	5.20%	24 Months
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.20% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Share	0.10%	-	0.10%
Min Deposit $25 Min Balance $25 Details Balance: $25.00 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Share	0.15%	-	0.15%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 and above ($25.00 membership share required) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Whiz Kid Share	1.50%	-	1.51%
Min Deposit $25 Min Balance $25 Details Balance: $25.00 - $999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Whiz Kid Share	0.10%	-	0.10%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Whiz Kid Share	0.15%	-	0.15%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Saco Valley Credit Union’s Texas Ratio rose from 0.16% in Q3 2023 to 2.64% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$196M	2.64%	5.0	A+
March 31, 2026	$196M	2.12%	5.0	A+
December 31, 2025	$191M	5.25%	5.0	A+
September 30, 2025	$186M	5.97%	5.0	A+
June 30, 2025	$188M	6.10%	5.0	A
March 31, 2025	$186M	1.25%	5.0	A+
December 31, 2024	$183M	1.14%	5.0	A+
September 30, 2024	$184M	1.28%	5.0	A+
June 30, 2024	$182M	1.66%	5.0	A+
March 31, 2024	$176M	1.68%	5.0	A+
December 31, 2023	$171M	1.92%	5.0	A+
September 30, 2023	$172M	0.16%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Saco Valley Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Saco Valley Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Saco Valley Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Saco Valley Credit Union

Website https://www.sacovalley.org

Address 312 Main St, Saco, ME 04072-1515

Phone 207-282-6169

Fax 207-282-1601

President Timothy Nelson

CEO Kevin Partridge

Full-Time Employees 28

Part-Time Employees 5

Branch Locations 4

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.64%

Return on Assets (ROA)

0.4400%

Return on Equity (ROE)

4.0357%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

195,520,720

Total Amount of Shares and Deposits

173,834,368

Total Shares and Deposits < 1 Year

159,476,115

Total Shares and Deposits 1 3 Years

9,813,651

Total Shares and Deposits > 3 Years

4,544,602

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

15,550,947

Total Uninsured Shares and Deposits > $250K (F+J)

15,550,947

Total Insured Shares and Deposits > $250K (item 17 less item K)

158,283,421

Total Interest Expense (Sum of items 6 8)

1,532,395

Share Certificates

1,683

Number of Accounts for Share Drafts

7,073

IRA KEOGH Accounts

670

Number of Accounts for Regular Shares

12,005

Money Market Shares

696

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,699,211

Total Liabilities

174,204,706

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Saco Valley Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/saco-valley-credit-union-rates-review-68324">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Saco Valley Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Saco Valley Credit Union

Frequently Asked Questions About Saco Valley Credit Union

How many branches does Saco Valley Credit Union operate?

Saco Valley Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Saco Valley Credit Union?

Yes, to access services at Saco Valley Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Saco Valley Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Saco Valley Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Saco Valley Credit Union offer online and mobile banking?

Most modern institutions like Saco Valley Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sacovalley.org.

Current Saco Valley Credit Union Rates

Savings1.26%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Saco Valley Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Saco Valley Credit Union Texas Ratio

Saco Valley Credit Union Health Trend

Saco Valley Credit Union CD Rates

Saco Valley Credit Union Savings Rates

Saco Valley Credit Union Auto Loan Rates

Saco Valley Credit Union Credit Card Rates

Saco Valley Credit Union Personal Loan Rates

Saco Valley Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Saco Valley Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Saco Valley Credit Union

How many branches does Saco Valley Credit Union operate?

Is a member application needed to join Saco Valley Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Saco Valley Credit Union offer online and mobile banking?

Current Saco Valley Credit Union Rates

Compare to Other Credit Unions