Saco Valley Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.sacovalley.org

207-282-6169

312 Main St
Saco, ME 04072

Saco Valley Credit Union is headquartered in Saco and is the 26^th largest credit union in the state of Maine. It is also the 1,325^th largest credit union in the nation. It was established in 1947 and as of March of 2025, it had grown to 27 employees and 9,176 members at 3 locations. Saco Valley Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Saco Valley Credit Union is open to those who live, work, worship or attend school in York or Cumberland Counties in Maine. Immediate family members of existing SVCU members are also eligible to join.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68324
Year Chartered	1947
Employees	27
Primary Regulator

Profit Margin
Return on Assets - YTD	0.68%
Return on Equity - YTD	6.68%
Annual Interest Income	$2.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$186.4MM$176.4MM
Loans	Q1 2025vs Q1 2024	$152.1MM$146.4MM
Deposits	Q1 2025vs Q1 2024	$167.1MM$158.6MM
Equity Capital	Q1 2025vs Q1 2024	$18.9MM$17.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$473K$500K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$242K$303K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Saco Valley Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	$25^*	$1k	Whiz Kid Savings
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k+
1.46%^*	$100k^*	-	High-Yield Savings
OTHER TIERS: 0.60% → $1.5k - $10k \| 1.01% → $10k - $25k \| 1.11% → $25k - $50k \| 1.26% → $50k - $100k
0.15%^*	$10k^*	-	Share Savings
OTHER TIERS: 0.10% → $25 - $10k
0.15%^*	$10k^*	-	Christmas Club
OTHER TIERS: 0.10% → $25 - $10k
0.15%^*	$10k^*	-	All Purpose Club
OTHER TIERS: 0.10% → $25 - $10k

Saco Valley Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.97%	$500	-	3 Month CD Special
3.81%^*	$50k^*	-	6 Month CD
OTHER TIERS: 3.76% → $500 - $50k
3.61%^*	$50k^*	-	60 Month CD
OTHER TIERS: 3.56% → $500 - $50k
3.40%^*	$50k^*	-	48 Month CD
OTHER TIERS: 3.35% → $500 - $50k
3.09%^*	$50k^*	-	36 Month CD
OTHER TIERS: 3.04% → $500 - $50k
2.83%^*	$50k^*	-	24 Month CD
OTHER TIERS: 2.78% → $500 - $50k
2.58%^*	$50k^*	-	12 Month CD
OTHER TIERS: 2.53% → $500 - $50k

Saco Valley Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.97%	$500	-	3 Month IRA Special
3.81%^*	$50k^*	-	6 Month IRA
OTHER TIERS: 3.76% → $500 - $50k
3.61%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 3.56% → $500 - $50k
3.40%^*	$50k^*	-	48 Month IRA
OTHER TIERS: 3.35% → $500 - $50k
3.09%^*	$50k^*	-	36 Month IRA
OTHER TIERS: 3.04% → $500 - $50k
2.83%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 2.78% → $500 - $50k
2.58%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 2.53% → $500 - $50k
0.50%	$0	-	IRA Club Account

Locations

Saco Valley Credit Union Locations
Branch Office	860 Main St	Waterboro, ME 04087-3013
Branch Office	500 Main St	Saco, ME 04072-1530
Branch Office	312 Main St	Saco, ME 04072-1515

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