Finance Your Fun with a Recreational Vehicle Loan!
Ready to take the road less traveled—or the lake less crowded? Whether you’re dreaming of an RV for epic road trips, a boat for weekends on the water, or an ATV for off-road thrills, Sebasticook Valley FCU is here to help you bring the fun to life! Why finance your adventure with us?
- Great Rates – Our low, member-friendly interest rates mean more money for gas, gear, and snacks.
- Flexible Terms – We offer financing for a variety of recreational vehicles—RVs, campers, boats, jet skis, motorcycles, ATVs, and more.
- Fast Approvals – Get pre-approved quickly so you can start planning your next escape.
- No Hidden Fees – Just straightforward, honest financing from your local credit union. Let’s make this your most adventurous season yet! Apply online, visit a branch, or give us a call today. The open road (or water) is calling—will you answer?
Effective May 1, 2025: Non-Maine residents who utilize a Shared Branch in Maine must comply with IDCheck requirements.
How IDCheck Works:
Prior to or upon arrival at a Shared Branch location, visit https://verify.coop.org and follow these steps:
- Enter your Credit Union’s name or choose from the dropdown list.
- Enter your Member Number and the last 4 digits of your Social Security Number.
- Upload a photo of the front of your government-issued ID.
- Upload a photo of the back of your government-issued ID.
- Your ID is securely stored and can be reused for future transactions.
- Take a selfie for identity verification.
- Your selfie is securely stored for future use.
- Receive a unique verification code (valid for 20 minutes).
- Present this verification code to the teller to proceed with your transaction as normal.
Knowing the Different Types of Scams
Whether it’s excitement over a fake prize, fear from a supposed government official, or affection for someone you’ve connected with online, scammers count on urgency and emotional pressure to lower your defenses. Understanding how these scams work is the first step to safeguard yourself and your loved ones against them.
- Lottery or prize scams: Never provide personal or financial information if you’ve been contacted about winning a prize, especially if you didn’t enter to win one. Scammers may try to get you to pay an upfront fee or taxes before receiving the “prize,” or they may ask for your account information––that way they can “deposit the money.” • Imposter scams: This is when a scammer pretends to be someone else, such as a government official, police officer, credit union or bank employee, friend, or family member––with the intention of obtaining your money or personal information
- Wire or money transfer fraud: Never transfer money to someone you don’t know. If you are asked to send a payment via a wire transfer, prepaid card, or cryptocurrency, do not do it. These methods are nearly untraceable, and once the money is sent, it’s usually gone for good.
- Check scams: If you’re selling something, do not accept a check for more than the requested amount. After the sale, scammers will ask you to send back the difference they “mistakenly” overpaid. The check will later bounce, and you’ve lost both the money and whatever item you sold.
- Romance scams: These are deceptive schemes where scammers create fake online personas, pretending to be potential romantic partners, to exploit individuals looking for love or companionship. After building emotional connections with their victims over time, they gain their trust and affection. Once that trust is established, they ask for money.
- Charity scams: Always verify that a charity is legitimate before donating. Check their website, look for reviews, and never donate if you’re feeling pressured. You should also be suspicious if a charity asks you to make a donation via cash or wire transfer.
- Debt settlement or relief scams: Don’t pay upfront fees to any company that guarantees they can settle or eliminate your debts. Scammers will promise to negotiate with creditors on your behalf to settle your debts for a fraction of the amount owed or even wipe the debt out entirely. They charge an upfront fee but fail to deliver on their promise, leaving you in a worse financial situation and without any real debt relief.
Do not Fall for Spoofing Scams!
Receiving an unexpected call about fraud on your account from a number that appears to be originating from your credit union, or another institution, can be alarming. But credit unions will NEVER contact you by phone and ask you to share account information—we already have your information and do not need you to give that out through a phone call. Don’t fall victim to a phone spoofing scam! Keep your personal information private. When in doubt, hang up! Hang up and call us directly—207-487-5576.
Remember, if something feels off––whether it’s an unexpected prize, an urgent request for money, or a plea from someone you’ve never met in person––take a step back and verify the situation. Thoroughly thinking things through or researching claims can make all the difference in protecting your finances and personal information.
Join us at the St. Albans Summerfest!
Sebasticook Valley FCU will once again be selling fresh squeezed lemonade and tasty dough boys at this year’s St. Albans Summerfest. All proceeds will go to Maine Credit Union’s Campaign for Ending Hunger. The Summerfest will be held on Saturday July 19th. You won’t want to miss out on all the fun at the St. Albans Summerfest!
