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Saco Valley Credit Union
Mobile Banking App

Free - On the App Store


Saco Valley Credit Union
Mobile Banking App

Free - On the App Store

Call us today to get started 207-282-6169

Want To Build Your Home?

We care [about helping you construct the home of your dreams].

Call us today to get started 207-282-6169

You Dream It, We Can Help Build It

Let Saco Valley Credit Union help you finance the home of your dreams with a construction or land loan.

  • Low rates
  • Flexible terms
  • Personalized service
  • Quick application process
  • Loans subject to credit approval
  • Questions? Call 207-282-6169 or text our mortgage lending team at 207-602-4313!

Call Us To Get Started


We have been dealing with Saco Valley Credit Union for several years, and it's been a great experience. When we built our retirement home in 2011, we checked with several financial institutions in the area for rates, and not surprisingly, SVCU had the best construction loan program around. They were fantastic to work with from start to finish - always friendly, very accommodating, and responded to our calls in a very timely fashion.Thank you Saco Valley Credit Union for everything that you have done for us and our family!

Don L., Saco, ME

During construction, for up to 1 year, your payment will be interest only. After one year, or the construction is complete, you payment will be calculated with principal and interest.
Construction loans are the same rate as our mortgages. Rates change daily, so please call us at 207-282-6169 for the most up-to-date information.
Yes! Land loans can be done for terms up to 10 years on up to 80% of the appraised value.
If you already have the land, we will need the plans and estimates to get going. Your builder will likely give us a disbursement schedule, that with your builder, we will work with you to ensure disbursements are made appropriately. We complete inspections upon each disbursement to ensure work is being completed as intended.

What It’s Like When Your Credit Union Cares

Financial Confidence

We are here to listen to your goals, needs, and struggles and then make recommendations for you that won’t break the bank!


Banking should be easy! With three branches and online and mobile apps, we try to make banking easy and convenient for you.


Sometimes life throws us a curve-ball and we need help. Saco Valley is your financial family. We want to help and will often have the tough conversations needed to help you get through a tough time.

NOTICE: Saco Drive-Thru

Our Saco drive-thru will be closed the week of June 12th. The ATM will remain available during this time. When the drive-thru re-opens on June 20th, traffic will need to enter the drive-thru from Horton Avenue.