Downeast cu - Download Downeast CU and enjoy it on your iPhone, iPad and iPod touch. ‎With the tap of your finger, you have the ability to check balances, view account activity and history, pay bills, deposit checks, and make transfers. Access your account anytime, anywhere.

 
VISA Credit Card 0% Balance Transfer Special. Learn More. Wire Transfer. Wire transfers are an option when you need to immediately receive funds at another financial institution. You can wire funds in the US and have access, normally within 24 hours, foreign wires can take 7-10 business days. The funds are electronically transferred.. Virtual number sms

The products available through Downeast Insurance, LLC, a wholly-owned subsidiary of Downeast Credit Union are not endorsed by Downeast Credit Union. The products available through Downeast Insurance, LLC are underwritten through and provided by insurance companies authorized, licensed, or enabled to provide …Feb 7, 2019 · Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. Step 1 – For your initial login, you’ll need your Username and Password (provided in an email from Downeast Credit Union) Step 2 – Review and Agree to Terms and Conditions when prompted. Step 3 – Create a new Username and Password (Your new Username cannot be your account number) Step 4 – Verify your contact information.Advertisement The marketing department must act as a guide and lead the company's other departments in developing, producing, fulfilling, and servicing products or services for the...As a reminder, Downeast CU and Insurance will be closed in observance of Christmas on Monday, December 25th and New Year’s Day on Monday, January 1st....Routing Number: 211288996. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham …Down East Downtime Service Status. Find the status of online banking, mobile app, and the Main Office location at 23 Third Avenue. Report outages you're experiencing, including …Access your account instantly and securely from anywhere, anytime with the DECU mobile banking app. Deposit checks, apply for loans, pay bills, transfer funds, and more with the … Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. Reviews, rates, fees, and customer service info for The Zulily Credit Card. Compare to other cards and apply online in seconds We're sorry, but the Zulily Credit Card may no longer... Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Bangor, Belfast, Calais, Machias, Richmond, Topsham and Unity. Overdraft Protection is optional. Advertisement The marketing department must act as a guide and lead the company's other departments in developing, producing, fulfilling, and servicing products or services for the...Routing Number: 211288996. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham …Toll-Free: (800) 427-1223. Fax: (207) 512-1537. Report Phone Problem. Address: Down East Credit Union Belfast Branch 92 Lincolnville Avenue Belfast, ME 04915. Website: Visit Website.Feb 7, 2019 · Routing Number: 211288996. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. VISA Credit Card 0% Balance Transfer Special. Learn More. Wire Transfer. Wire transfers are an option when you need to immediately receive funds at another financial institution. You can wire funds in the US and have access, normally within 24 hours, foreign wires can take 7-10 business days. The funds are electronically transferred.Mortgage loyalty discount of 0.50% offered on new loans after 1/9/24. To qualify for loyalty discount, members must maintain a checking account with at least $1,000/month in direct deposits and 10 debit card transactions/month for the life of the loan. Members sign an addendum to reduce the interest rate based on …Many Mexican traditions go back for hundreds of years. Read about Mexican traditional food, clothing, music and more at HowStuffWorks. Advertisement Mexico is home to some of the o...Access your account instantly and securely from anywhere, anytime with the DECU mobile banking app. Deposit checks, apply for loans, pay bills, transfer funds, and more with the …If you know any 3 of a loan's 4 terms (principal, interest rate, payments remaining, and payment amount), this calculator will compute the missing term. Enter the 3 known loan terms in the appropriate entry fields and click on "Compute." One empty field is required for recalculations. No. of Payments. Interest Rate. Loan Amount. Monthly Payment.Downeast Credit Union has achieved the 2022 Best Places to Work in Maine designation for the sixth year in a row. ... For more information on Downeast Credit Union, please visit the Downeast CU website or contact us at 800.427.1223. find a shared branch; find an ATM; find an ATM in Maine; activate your new Visa …Downeast CU is proud to support our... Our Machias Team recently visited Down East Community Hospital to deliver a $1,000 check toward their Annual Fund. Downeast CU is proud to support our... Downeast Credit Union is feeling ... Downeast Credit Union is feeling thankful. Use this quick reference guide to help move your finances over to Downeast Credit Union. If you'd like help moving your accounts over to Downeast CU, our Account Experts are here to help! Just call us at 207-454-9008 and we'll help you make the switch with your direct deposits and payments. Downeast Credit Union has announced the opening of a new administrative office building this fall located in Baring, Maine and a new branch location in 2022 located at 460 Wilson Street in Brewer. The Baring Administrative offices will house approximately 20 Team Members who had previously been spread across other DECU branches in …Mortgage loyalty discount of 0.50% offered on new loans after 1/9/24. To qualify for loyalty discount, members must maintain a checking account with at least $1,000/month in direct deposits and 10 debit card transactions/month for the life of the loan. Members sign an addendum to reduce the interest rate based on …Knowing the Signs of Elder Financial Abuse: – Money missing from accounts – Unusual use of credit card activity – Unpaid bills, collection letters, or a lack of food in the home1-800-427-1223. Routing Number: 211288996. Federally Insured by NCUA. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are …Downeast CU, has any authority to make any agreements contrary to the foregoing. I further acknowledge that no representations or promises have been made to me, nor have any documents (including, without limitation, any personnel policies, handbooks, manuals, and/or guidelines) other than this application form have beeniPad. Bangor Federal has your personal account manager. It’s fast, secure and helps to simplify life by providing you with the tools you need to manage your finances. Here’s what you can do with Bangor Federal; - Organize recent transactions by adding tags, notes, and photos of receipts and checks. -Set up alerts so you know when your ...Can Alexa help? Amazon is laying off several hundred corporate employees in a rare shift of resources to other parts of its business, the Seattle Times reports. The layoffs will in...Knowing the Signs of Elder Financial Abuse: – Money missing from accounts – Unusual use of credit card activity – Unpaid bills, collection letters, or a lack of food in the homeAs the latest a sign of how quickly things can change in the COVID-19 era, Customs and Border Protection announced Wednesday that Trusted Traveler enrollment centers will remain cl...Certain moods need soundtracks. When you’re sad, or excited, or making out, a certain kind of music can elevate the experience and lend a grandiose, cinematic quality to your life.... Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. Toll-Free: (800) 427-1223. Fax: (207) 512-1537. Report Phone Problem. Address: Down East Credit Union Calais Branch 254 North Street Calais, ME 04619. Website: Visit Website.According to our local post office, many people received these postcards with multiple financial institutions listed. When we called the number they were soliciting for mortgage insurance. If you read the fine print in the bottom right-hand corner you will see that the postcard does indicate “loan information not …‎With the tap of your finger, you have the ability to check balances, view account activity and history, pay bills, deposit checks, and make transfers. Access your account anytime, anywhere. Mobile Banking is as secure as Online Banking, protected by advanced technology. No private data, includin…Advertisement The marketing department must act as a guide and lead the company's other departments in developing, producing, fulfilling, and servicing products or services for the...Jason Theriault, Lending Expert. Chris and Laurie from Princeton, Maine reached out to lending expert Jason Theriault asking for a second opinion on their auto loan rate. They had purchased a new vehicle in the spur of the moment on a weekend and opted for dealership financing. A quick review by Jason showed that Downeast CU could save them ...Checking. Down East Credit Union checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. Contact the credit union at (207) 427-3333. Checking Accounts (Share Draft) - Manage your daily finances with our convenient checking accounts./:16 One of the key features missing from Mac OS X is the ability to cut and paste files in the Finder; you can only copy and paste. With two handy Automator Services, though, you ...“Sierra and her family have been long time members of Downeast Credit Union, always returning to Downeast CU for their financial needs. Sierra’s mom was my elementary school teacher, so every time I get the chance to help them, it really makes me proud. This past year, two days before Christmas, ...Download Downeast CU and enjoy it on your iPhone, iPad and iPod touch. ‎With the tap of your finger, you have the ability to check balances, view account activity and history, pay bills, deposit checks, and make transfers. Access your account anytime, anywhere.Our Bangor team is available by appointment to assist our members; call to set up a meeting. Downeast CU: 1-800-427-1223; Downeast Insurance: 1-866-897-1365. As a reminder, DECU is available to assist over the phone at 1-800-427-1223, in the drive-thru, or through our online and mobile services: • Online Banking. • Mobile Banking & …Oct 14, 2020 · Our Bangor team is available by appointment to assist our members; call to set up a meeting. Downeast CU: 1-800-427-1223; Downeast Insurance: 1-866-897-1365. As a reminder, DECU is available to assist over the phone at 1-800-427-1223, in the drive-thru, or through our online and mobile services: • Online Banking. • Mobile Banking & Mobile ... Advertisement The marketing department must act as a guide and lead the company's other departments in developing, producing, fulfilling, and servicing products or services for the...Downeast Insurance, LLC acts only in the capacity of an agent or broker in obtaining such coverage, and may receive remuneration for policies sold. In all instances where a discrepancy might arise between informational, advertising, and/or marketing material and the actual policy issued by the insurance company, the terms and conditions contained …Downeast Insurance, LLC acts only in the capacity of an agent or broker in obtaining such coverage, and may receive remuneration for policies sold. In all instances where a discrepancy might arise between informational, advertising, and/or marketing material and the actual policy issued by the insurance company, …Routing Number: 211288996. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham …The products available through Downeast Insurance, LLC, a wholly-owned subsidiary of Downeast Credit Union are not endorsed by Downeast Credit Union. The products available through Downeast Insurance, LLC are underwritten through and provided by insurance companies authorized, licensed, or enabled to provide …Advertisement The marketing department must act as a guide and lead the company's other departments in developing, producing, fulfilling, and servicing products or services for the...As a reminder, Downeast CU and Insurance will be closed in observance of Christmas on Monday, December 25th and New Year’s Day on Monday, January 1st.... As a reminder, Downeast CU and... - Downeast Credit UnionDowneast CU, has any authority to make any agreements contrary to the foregoing. I further acknowledge that no representations or promises have been made to me, nor have any documents (including, without limitation, any personnel policies, handbooks, manuals, and/or guidelines) other than this application form have beenAccording to our local post office, many people received these postcards with multiple financial institutions listed. When we called the number they were soliciting for mortgage insurance. If you read the fine print in the bottom right-hand corner you will see that the postcard does indicate “loan information not …80 ways we wow ya. Downeast Credit Union celebrated our 80th Anniversary with a campaign called "80 Ways We Wow Ya" throughout 2021 as a fun way to give back to our members and communities we serve. Below are the stories featuring our team members that go the extra mile to help our members, as well as Acts of Kindness performed in the ...It wasn’t that long ago that you had to wash clothes by hand and hang-dry them outdoors. Modern technology has made washing and drying clothes easier. The LG 2.3 cu. ft. You can bu...Knowing the Signs of Elder Financial Abuse: – Money missing from accounts – Unusual use of credit card activity – Unpaid bills, collection letters, or a lack of food in the homeVISA Debit Card. Downeast Credit Union Visa Debit Cards can be issued on the day you need them right at any branch location. No more waiting for the mail thanks to our instant issue printers. Leave the branch with your new card in-hand and ready to use! For those who cannot make it into a branch, call us to order your Debit …If you would like to pursue this rewarding opportunity, please complete the application, print, sign in original ink, and return it to Downeast CU, Human Resources, 23 Third Avenue, Baileyville, Calais, Maine 04694. For more information about becoming a Downeast Credit Union volunteer, please call Donna Cochran …Apply for Skip-A-Pay Here. Simply complete the application and return it to us by mail to: DECU, P.O. Box 130 Baileyville, ME 04694, or by dropping it off at the branch location nearest you. If you have set up an automatic transfer from Online Banking or another financial institution, don’t forget to stop your payment through that service.Downeast Insurance, LLC acts only in the capacity of an agent or broker in obtaining such coverage, and may receive remuneration for policies sold. In all instances where a discrepancy might arise between informational, advertising, and/or marketing material and the actual policy issued by the insurance company, the terms and conditions contained …Like silver and gold coins, U.S. silver certificates also are highly collectible. And like coins, their prices are a product of condition and rarity. If you are in possession of a ...Brewer ATM opened for regular business hours on Monday, August 29, 2022. Alternatively, Downeast members and clients may reach out to our Call Center at 800.427.1223 if you have any banking or insurance needs. DECU members also have access at over 5,600 Shared Branch locations and 30,000 Co-Op ATMs nationwide, click …YES. To limit our sharing: Call 207-427-3333 or 800-427-1223 or mail us the completed form. Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.Toll-Free: (800) 427-1223. Fax: (207) 512-1537. Report Phone Problem. Address: Down East Credit Union Belfast Branch 92 Lincolnville Avenue Belfast, ME 04915. Website: Visit Website.Downeast CU recently had a member contact us regarding a phone call they had received. The caller stated that they were from a card fraud department (no specific company named) and wanted to verify charges on an account. The scammer asked for ALL kinds of personal information, ...In August, Downeast CU & Downeast Insurance Team Members gave a special thank you to our dedicated postal workers. We were proud to visit the Topsham Post Office to deliver some treats and thank you notes. 80 WAYS WE WOW YA; Join Our mailing List. For occasional updates to your inbox, click to sign up.Downeast Insurance, LLC was established in 2002 and is solely owned by Downeast Credit Union. Being part of the Downeast family allows us to provide reduced rates to our members, and at the same time, maintain our independent status in the insurance* industry (our customers aren’t required to be CU members). insurance carriers Maine has to offer.As a reminder, Downeast CU and Insurance will be closed in observance of Christmas on Monday, December 25th and New Year’s Day on Monday, January 1st.... As a reminder, Downeast CU and... - Downeast Credit Union Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. The rich tapestry of Irish mythology is filled with fascinating characters and captivating tales. Among these legends, two figures stand out as iconic heroes – Cu Cullan and Fionn ...Loan Programs. Securing a loan at Downeast Credit Union is quick and easy. Most consumer loans are completed the same day you apply. Apply Online in 5 Minutes Application. Call Our Loan Team Directly at 207.454.9006.Contact Down East Credit Union Richmond. Phone Number: (207) 737-4037. Toll-Free: (800) 427-1223. Fax: (207) 512-1537. Report Phone Problem. Address: Down East …Access your account instantly and securely from anywhere, anytime with the DECU mobile banking app. Deposit checks, apply for loans, pay bills, transfer funds, and more with the …Downeast CU walks the extra mile for you, our members. DECU coached Topsham, Maine member, Freya, out of a tough financial situation. She’s now the proud owner of a brand new car – congrats, Freya!!! See if a DECU Loan Officer or Certified Credit Union Financial Counselor can help YOU into a new car. Call today @ 1-800-427-1223. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. Down East Downtime Service Status. Find the status of online banking, mobile app, and the Main Office location at 23 Third Avenue. Report outages you're experiencing, including …Downeast Credit Union was founded in 1941 by employees of St. Croix Pulp and Paper Company. Since then, DECU has grown to over 22,000 members sharing the common bond with those who live, work ...Routing Number: 211288996. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham …Jason Theriault, Lending Expert. Chris and Laurie from Princeton, Maine reached out to lending expert Jason Theriault asking for a second opinion on their auto loan rate. They had purchased a new vehicle in the spur of the moment on a weekend and opted for dealership financing. A quick review by Jason showed that Downeast CU could save them ...CALGARY, Alberta, Jan. 09, 2020 (GLOBE NEWSWIRE) -- Canadian Utilities Limited (TSX: CU, CU.X)The Board of Directors of Canadian Utilities Limit... CALGARY, Alberta, Jan. 09, 202...Downeast Credit Union (DECU) is a not-for-profit, member-owned credit union. ... Downeast CU is inclusive, convenient, and down-to-earth. Come be part of our genuine, people-first organization. We promise to meet you where you are in the journey of life, with a smile.Following today’s news that Lenovo and Alphabet-owned Waymo are sitting out the in-person element of CES 2022, Intel just announced that it’s moving to “minimize” its presence at t...Do you have strong passwords? They’re the first line of defense in keeping your online accounts safe. Learn how to generate a reliable, secure password by following these tips: 1. Never use...Lee led Singapore with a tight grip on power. Singapore’s Lee Kuan Yew, the 91-year-old founding father of one of Asia’s smallest but most powerful economies, has died. The former ...Many Mexican traditions go back for hundreds of years. Read about Mexican traditional food, clothing, music and more at HowStuffWorks. Advertisement Mexico is home to some of the o...In August, Downeast CU & Downeast Insurance Team Members gave a special thank you to our dedicated postal workers. We were proud to visit the Topsham Post Office to deliver some treats and thank you notes. 80 WAYS WE WOW YA; Join Our mailing List. For occasional updates to your inbox, click to sign up.

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downeast cu

Feb 7, 2019 · Routing Number: 211288996. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. Downeast Insurance, LLC acts only in the capacity of an agent or broker in obtaining such coverage, and may receive remuneration for policies sold. In all instances where a discrepancy might arise between informational, advertising, and/or marketing material and the actual policy issued by the insurance company, the terms and conditions contained …Routing Number: 211288996. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham …Certain moods need soundtracks. When you’re sad, or excited, or making out, a certain kind of music can elevate the experience and lend a grandiose, cinematic quality to your life....Get the Downeast CU Mobile App. With our mobile banking app, you can access your account instantly and securely from anywhere, anytime. Manage your money confidently and download today: To learn more, speak to the DECU Real Estate Team at 207.454.9007. Downeast Credit Union NMLS ID# is 531655.Downeast Credit Union recently lowered overdraft fees on Non-Sufficient Funds and Courtesy Pay (NSF & CP) from $35 per transaction to just $15 per transaction. In addition, DECU is enhancing our Courtesy Pay program: for members who are in good standing with Courtesy Pay and after a checking account has been opened for 90-days, checking …Downeast Credit Union is a member-owned financial cooperative created in 1941 for the purpose of providing additional value and financial options to its membership. We partner with our members and tailor our products and services to meet their specific individual needs.Knowing the Signs of Elder Financial Abuse: – Money missing from accounts – Unusual use of credit card activity – Unpaid bills, collection letters, or a lack of food in the homeUnity Business Exchange benefits from Yuletide Festival of Trees – Downeast CU put together a fun date night themed tree for this fundraiser. Items included a gift certificate to a local restaurant, movie tickets, popcorn bucket and a VISA gift card to pay for any babysitting.Our marketing director Kristie Libby celebrated her 5th work anniversary on September 5th! Read the kind words the Downeast Team had to say about working with her: “Kristie has been a tremendous...Auto dealers have been participating in 100% of the underwriting profit on vehicle service contracts for thirty years. CU Certified is not a new program, it is new to our industry. We believe Credit Unions should be able to enjoy those same benefits, so we bring our partners the best idea in a generation for Credit Unions.Fax: (207) 512-1537. Report Phone Problem. Address: Down East Credit Union Machias Branch 211 Main Street Machias, ME 04654. Website: Visit Website. Online Banking: Down East Credit Union Login. Toll-Free: (800) 427-1223. Fax: (207) 512-1537. Report Phone Problem. Address: Down East Credit Union Calais Branch 254 North Street Calais, ME 04619. Website: Visit Website. Downeast Credit Union is a Maine Credit Union serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County. Branch offices are located in Baileyville, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. No Per-Check Fee. 24-Hour On-line Banking. 24-Hour Mobile Banking. 24-Hour Remote Deposit Capture. 24-Hour Telephone Banking (Audio Response) Electronic Bill Pay Services. VISA Debit Card. eStatement. Access to over 5,400 branch offices nationwide through Shared Branching.Medicine Matters Sharing successes, challenges and daily happenings in the Department of Medicine Nadia Hansel, MD, MPH, is the interim director of the Department of Medicine in th...Stephen from Baileyville has been a long-time Downeast CU member and recently reached out about refinancing his truck loan that he had with another financial institution. He not only lowered his....

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