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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

Apply Online Today! Apply in Branch

Loans For YOU

We care [about your needs] and may be able to help with a personal loan.

Apply Online Today! Apply in Branch

Personal loans are, well, personal!

Sometimes an expense comes up that you just don’t have the money to pay for. A personal loan may help.

  • No prepayment penalties
  • No application fees
  • Great for remodels, vacations, weddings, oil and more
  • Secured personal loans available to help you build credit

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Loan Rates

Personal Loan Rates

Interest rates below apply to unsecured loans for the purposes of Debt Consolidation, Vacation, Single Payment Notes, Computer etc. Overdraft provides protection from checking overdrafts and related charges.

APR as low as*Minimum Loan AmountMaximum Loan Amount

APR (Annual Percentage Rate). Rates are effective 4/1/2019 and subject to change without notice. Loans for less than $7,500 have a maximum term of 48 months and loans greater than $7,500 have a maximum term of 60 months. 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.

Credit Builder Loan

The Credit Builder loan provides funds for a shared secured loan to build or rebuild credit.

Minimum Loan AmountMaximum Loan AmountMaximum TermAPR*
$500.00$2,000.0024 Months12.99%

*Annual Percentage Rate. Credit Builder Loan provides funds for shared secured loan to help build or rebuild credit. Rate effective as of 4/1/19.

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Frequently Asked Questions

It depends! Are you looking for an open line of credit that you can access whenever you need access to money? If so, you may want to consider a credit card. If you have a one-time expense that you need to cover, a personal loan may be a better option. We are here to help you determine which one is best for you - give us a call at 207-282-6169 to discuss!
Personal loan rates can be found here.
A personal loan can be used for just about anything! From weddings and vacations to debt consolidation and general expenses, a personal loan can help you when you need it!

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.