|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Saco Valley Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 2, 2026
Saco Valley Credit Union's IRA and CD 3 Month Special rates are at 3.76%, IRA and CD 6 month rates are at 3.71%, IRA and CD 6 month rates are at 3.66%, IRA and CD 60 month rates are at 3.61%, IRA and CD 60 month rates are at 3.56%. Saco Valley Credit Union's savings rates are at 0.60%. Saco Valley Credit Union's Personal Loan Rates are at 10.10%. 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 6.11%. Rates were last updated on 04/02/2026. 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. Saco Valley Credit Union
Downtown Saco Office 312 Main St
https://www.sacovalley.org Saco, ME 04072 1515 
Saco Valley Credit Union CD Rates
Saco Valley Credit Union Savings Rates
Saco Valley Credit Union Credit Card Rates
Saco Valley Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.11%
Return on Assets (ROA)
0.7770%
Return on Equity (ROE)
7.2314%
Non-Performing Loans Ratio (NPL)
0.79%
Total Assets
186,222,672
Total Amount of Shares and Deposits
165,800,264
Total Shares and Deposits < 1 Year
149,714,904
Total Shares and Deposits 1 3 Years
11,639,167
Total Shares and Deposits > 3 Years
4,446,193
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,789,319
Total Uninsured Shares and Deposits > $250K (F+J)
14,789,319
Total Insured Shares and Deposits > $250K (item 17 less item K)
151,010,945
Total Interest Expense (Sum of items 6 8)
2,204,316
Share Certificates
1,644
Number of Accounts for Share Drafts
6,976
IRA KEOGH Accounts
684
Number of Accounts for Regular Shares
11,918
Money Market Shares
657
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,327,308
Total Liabilities
166,213,954
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Saco Valley Credit UnionIs Saco Valley Credit Union a safe place to deposit money?Yes, Saco Valley Credit Union is considered a safe financial institution. With a Texas Ratio of 6.1076526741993%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Members Credit Union
Indiana Members Credit Union
BEST REWARD
MTCU Credit Union
Jones Methodist Church Credit Union
LCO Federal Credit Union
Laredo Federal Credit Union
Corpus Christi Postal Employees Credit Union
HAXTUN COMMUNITY
State Employees Credit Union
Diamond Lakes Federal Credit Union
Harrison Teachers Federal Credit Union
Capital Credit Union
Collins Community Credit Union
Mid-Hudson Valley Federal Credit Union
McDonald Community Federal Credit Union
Integrity Federal Credit Union
ELLIS COUNTY TEACHERS AND EMPLOYEES
USSCO JOHNSTOWN
Minnequa Works Credit Union
Chippewa County Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
