Auto Loans · Augusta, Maine
5 credit unions in Augusta report car loan rates to the NCUA. Rates range from 3.99% to 7.00%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.37%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MAINE STATE ★ 3.1 · 79 reviews | 3.99% | 4.99% |
| 2 | TRADEMARK ★ 4.6 · 25 reviews | 4.39% | 4.49% |
| 3 | K V ★ 3.3 · 11 reviews | 5.00% | 5.25% |
| 4 | CONNECTED ★ 4.3 · 11 reviews | 6.45% | 7.24% |
| 5 | CAPITAL AREA ★ 4.1 · 27 reviews | 7.00% | 8.22% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | TRADEMARK ★ 4.6 · 25 reviews | 4.49% | 4.39% |
| 2 | MAINE STATE ★ 3.1 · 79 reviews | 4.99% | 3.99% |
| 3 | K V ★ 3.3 · 11 reviews | 5.25% | 5.00% |
| 4 | CONNECTED ★ 4.3 · 11 reviews | 7.24% | 6.45% |
| 5 | CAPITAL AREA ★ 4.1 · 27 reviews | 8.22% | 7.00% |
A pre-approval from a Augusta 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 Augusta in the same window and take the best offer.
See member reviews, branch locations, and full rate details.