Auto Loans · Maine
48 credit unions in Maine report car loan rates to the NCUA. Rates range from 3.99% to 8.25%.
Updated Q1 2026 · NCUA Call Report data
48
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.61%
State Average Rate
36
Cities Covered
48 credit unions with reported rates, sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MAINE STATE Augusta | 3.99% | 4.99% |
| 2 | ATLANTIC REGIONAL South Portland | 3.99% | 3.99% |
| 3 | TRADEMARK Augusta | 4.39% | 4.49% |
| 4 | CENTRAL MAINE Lewiston | 4.48% | 4.48% |
| 5 | LISBON COMMUNITY Lisbon | 4.49% | 5.50% |
| 6 | CPORT Portland | 4.74% | 4.49% |
| 7 | ANCORUM Bath | 4.75% | 5.25% |
| 8 | SEABOARD BUCKSPORT | 4.75% | 7.25% |
| 9 | TRUCHOICE PORTLAND | 4.75% | 5.36% |
| 10 | UNIVERSITY Orono | 4.99% | 4.99% |
| 11 | COAST LINE South Portland | 4.99% | 4.99% |
| 12 | MAINE SOLUTIONS SOUTH PORTLAND | 5.00% | 5.00% |
| 13 | FRANKLIN-SOMERSET MADISON | 5.00% | 5.50% |
| 14 | MAINE FAMILY Lewiston | 5.00% | 5.50% |
| 15 | GARDINER Gardiner | 5.00% | 5.70% |
| 16 | K V Augusta | 5.00% | 5.25% |
| 17 | LINCOLN MAINE LINCOLN | 5.20% | 5.20% |
| 18 | TOWN & COUNTRY SOUTH PORTLAND | 5.24% | 5.99% |
| 19 | SACO VALLEY Saco | 5.29% | 5.77% |
| 20 | MAINE HIGHLANDS Dexter | 5.29% | 7.29% |
| 21 | OTIS Jay | 5.30% | 6.45% |
| 22 | ACADIA FORT KENT | 5.49% | 6.49% |
| 23 | MILESTONES Lewiston | 5.50% | 5.75% |
| 24 | MAINE MEDIA PORTLAND | 5.50% | 6.00% |
| 25 | DIRIGO Lewiston | 5.55% | 4.50% |
| 26 | CASCO Gorham | 5.56% | 6.46% |
| 27 | OXFORD MEXICO | 5.65% | 5.35% |
| 28 | THE COUNTY Presque Isle | 5.72% | 7.52% |
| 29 | EVERGREEN Portland | 5.74% | 6.24% |
| 30 | NORSTATE Madawaska | 5.75% | 5.75% |
| 31 | WINTHROP AREA WINTHROP | 5.75% | 5.75% |
| 32 | SABATTUS REGIONAL Sabattus | 5.79% | 6.57% |
| 33 | EASTMILL EAST MILLINOCKE | 5.89% | 6.55% |
| 34 | CUMBERLAND COUNTY Falmouth | 5.90% | 7.00% |
| 35 | BANGOR Bangor | 6.00% | 6.25% |
| 36 | PEOPLESCHOICE Biddeford | 6.16% | 7.57% |
| 37 | KSW WATERVILLE | 6.19% | 7.17% |
| 38 | GREAT FALLS REGIONAL Lewiston | 6.25% | 7.40% |
| 39 | DOWNEAST Baileyville | 6.37% | 7.35% |
| 40 | CONNECTED AUGUSTA | 6.45% | 7.24% |
| 41 | KATAHDIN Millinocket | 6.46% | 7.61% |
| 42 | MIDCOAST Freeport | 6.49% | 6.49% |
| 43 | MAINE SAVINGS Hampden | 6.60% | 7.10% |
| 44 | NEW DIMENSIONS Waterville | 6.71% | 6.90% |
| 45 | CAPITAL AREA Augusta | 7.00% | 8.22% |
| 46 | COMMUNITY Lewiston | 7.30% | 11.40% |
| 47 | BREWER BREWER | 7.49% | 7.99% |
| 48 | SEBASTICOOK VALLEY PITTSFIELD | 8.25% | 8.25% |
48 credit unions with reported rates, sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | ATLANTIC REGIONAL South Portland | 3.99% | 3.99% |
| 2 | CENTRAL MAINE Lewiston | 4.48% | 4.48% |
| 3 | TRADEMARK Augusta | 4.49% | 4.39% |
| 4 | CPORT Portland | 4.49% | 4.74% |
| 5 | DIRIGO Lewiston | 4.50% | 5.55% |
| 6 | MAINE STATE Augusta | 4.99% | 3.99% |
| 7 | UNIVERSITY Orono | 4.99% | 4.99% |
| 8 | COAST LINE South Portland | 4.99% | 4.99% |
| 9 | MAINE SOLUTIONS SOUTH PORTLAND | 5.00% | 5.00% |
| 10 | LINCOLN MAINE LINCOLN | 5.20% | 5.20% |
| 11 | ANCORUM Bath | 5.25% | 4.75% |
| 12 | K V Augusta | 5.25% | 5.00% |
| 13 | OXFORD MEXICO | 5.35% | 5.65% |
| 14 | TRUCHOICE PORTLAND | 5.36% | 4.75% |
| 15 | LISBON COMMUNITY Lisbon | 5.50% | 4.49% |
| 16 | FRANKLIN-SOMERSET MADISON | 5.50% | 5.00% |
| 17 | MAINE FAMILY Lewiston | 5.50% | 5.00% |
| 18 | GARDINER Gardiner | 5.70% | 5.00% |
| 19 | MILESTONES Lewiston | 5.75% | 5.50% |
| 20 | NORSTATE Madawaska | 5.75% | 5.75% |
| 21 | WINTHROP AREA WINTHROP | 5.75% | 5.75% |
| 22 | SACO VALLEY Saco | 5.77% | 5.29% |
| 23 | TOWN & COUNTRY SOUTH PORTLAND | 5.99% | 5.24% |
| 24 | MAINE MEDIA PORTLAND | 6.00% | 5.50% |
| 25 | EVERGREEN Portland | 6.24% | 5.74% |
| 26 | BANGOR Bangor | 6.25% | 6.00% |
| 27 | OTIS Jay | 6.45% | 5.30% |
| 28 | CASCO Gorham | 6.46% | 5.56% |
| 29 | ACADIA FORT KENT | 6.49% | 5.49% |
| 30 | MIDCOAST Freeport | 6.49% | 6.49% |
| 31 | EASTMILL EAST MILLINOCKE | 6.55% | 5.89% |
| 32 | SABATTUS REGIONAL Sabattus | 6.57% | 5.79% |
| 33 | NEW DIMENSIONS Waterville | 6.90% | 6.71% |
| 34 | CUMBERLAND COUNTY Falmouth | 7.00% | 5.90% |
| 35 | MAINE SAVINGS Hampden | 7.10% | 6.60% |
| 36 | KSW WATERVILLE | 7.17% | 6.19% |
| 37 | CONNECTED AUGUSTA | 7.24% | 6.45% |
| 38 | SEABOARD BUCKSPORT | 7.25% | 4.75% |
| 39 | MAINE HIGHLANDS Dexter | 7.29% | 5.29% |
| 40 | DOWNEAST Baileyville | 7.35% | 6.37% |
| 41 | GREAT FALLS REGIONAL Lewiston | 7.40% | 6.25% |
| 42 | THE COUNTY Presque Isle | 7.52% | 5.72% |
| 43 | PEOPLESCHOICE Biddeford | 7.57% | 6.16% |
| 44 | KATAHDIN Millinocket | 7.61% | 6.46% |
| 45 | BREWER BREWER | 7.99% | 7.49% |
| 46 | CAPITAL AREA Augusta | 8.22% | 7.00% |
| 47 | SEBASTICOOK VALLEY PITTSFIELD | 8.25% | 8.25% |
| 48 | COMMUNITY Lewiston | 11.40% | 7.30% |
Most community credit unions in Maine accept anyone who lives, works, or worships in their service area. Some are employer-based with open membership through small donations to an affiliated organization. Check each credit union's profile for eligibility details.
Credit unions are nonprofits, so they return earnings to members in the form of lower loan rates and higher savings rates. On a $25,000 car loan over 60 months, even a 1% rate difference saves over $600 in interest.
These rates come directly from NCUA Call Report (5300) filings — the same quarterly financial data credit unions are required to submit to their federal regulator. They reflect each CU's reported weighted-average rate, not a promotional floor. Your actual rate will depend on credit score, term length, and vehicle age.
A pre-approval from a credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in the same two-week window and take the best offer.
See all credit unions by city, filter by rates, and check Google ratings.