Message from David Libby, President and CEO
Cooperation, a principle as old as society itself, remains a powerful tool for achieving collective success and individual well-being. At Town & Country, a not-for-profit cooperative, the benefits of working together positively impact everyone. Are you taking full advantage of being a member of Town & Country?
With October’s designation as ‘National Co-Op Month’, I want to take a moment to not only say, “Thank you” for being a member, but to also encourage you to explore more ways you can benefit from being a member-owner of Town & Country.
The phrase “the more you use Town & Country, the more you benefit” reflects the real advantages of engaging fully with us. In 2023, the benefits of using our products and services collectively amounted to more than $13 million for our 40,000 member-owners.
Here are some great products and services that can help you maximize your membership:
Rewards Checking – No minimum balance, no monthly fee, free debit card and generous ATM refunds. Plus, earn 5.25% APY on balances up to $10K just for living life. We make it easy to earn your rewards without making you jump through hoops like most other credit unions and banks do.
Visa Credit Cards – We offer two great options with our Visa Rewards Credit Card or Visa Platinum Credit Card. Both offer introductory rates as low as 3.9% APR for 12 months, with NO annual fee, NO balance transfer fee, and NO cash advance fee.
Mortgages – Voted Maine’s ‘Best Home Mortgage Lender’ out of all banks and credit unions the past two years, Town & Country has affordable mortgages at rates consistently the best or close to the best in the market with as little as 3% down, and closing costs, on average, about $2,000 less than nearly every other local lender. Local decisions and local service means we are with you throughout the process and long after you move into your home.
Home Equity Loans – Whether you want to remodel the kitchen, refresh a bath, add a room, or prepare your home for another Maine winter, we’ll help you find the right home equity loan with flexible payments that will fit your budget. We offer loans up to $500,000 and you can borrow up to 90% of your home’s value.
Spread the Word – One of the easiest ways you can support Town & Country is to tell others about the benefits of becoming a member. From family members and friends to co-workers and neighbors, and even that person that serves you coffee at your favorite shop, our ‘local referring local’ program is an opportunity to get rewarded for bringing new members to our Town & Country family. For every new member that joins because of you, you will receive a $75 gift card to any local business of your choice (headquartered in Cumberland or York County) AND the new member will receive a $75 gift card to the local business of their choice. You can receive up to $375 in gift cards annually. Click here to learn more.
Cooperation by a small group of people seeking access to financial services is how Town & Country began back in 1953, and that cooperative spirit is how we have grown and are still going strong today.
Through cooperation, we can do more…TOGETHER.
Happy Co-Op Month,
Dave
