Credit union · NCUA insured
Atlantic Federal Credit Union Auto Loan Rates
Top CarrotAtlantic Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 22, 2026.
How Atlantic Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, ME, where Atlantic Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Atlantic Federal Credit Union
4.24%APR
- Terms
- up to 60 months
New/Used Automobiles
Lowest rate
Coast Line Credit Union
3.95%APR
- Terms
- up to 60 months
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
Atlantic Federal Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Atlantic Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Better than a Lease
Must meet lending qualifications. Membership or eligibility to join Atlantic is required. As low as rate includes direct deposit discount of 0.25%, a maximum term of 72 months, and a $835 Program fee. To qualify for the as low as rate, the vehicle must be no more than five model years old (based on current calendar year) and retail value established by Atlantic must be greater than or equal to loan amount. Minimum loan amounts apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | As low as rate includes direct deposit discount of 0.25%, maximum term of 72 months, and $835 Program fee. Vehicle must be no more than five model years old. Retail value established by Atlantic must be >= loan amount. Payment per $1,000 borrowed is $29.52. |
| up to 48 months | 4.24% | Includes direct deposit discount of 0.25%, maximum term of 72 months, and $835 Program fee. Payment per $1,000 borrowed is $22.69. |
| up to 60 months | 4.24% | Includes direct deposit discount of 0.25%, maximum term of 72 months, and $835 Program fee. Payment per $1,000 borrowed is $18.53. |
| up to 72 months | 4.74% | Includes direct deposit discount of 0.25%, maximum term of 72 months, and $835 Program fee. Payment per $1,000 borrowed is $15.98. |
New/Used Automobiles
Must meet lending qualifications. Membership or eligibility to join Atlantic is required. APR and term are based on credit rating, ability to repay, and type of collateral. As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months; to qualify for as low as rate, vehicle must be no more than three model years old (based on current calendar year) and retail value established by Atlantic must be greater than or equal to loan amount. Minimum loan amounts apply.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. To qualify, vehicle must be no more than three model years old. Retail value established by Atlantic must be >= loan amount. Payment per $1,000 borrowed is $29.52. |
| up to 48 months | 4.24% | Payment per $1,000 borrowed is $22.69. |
| up to 60 months | 4.24% | Payment per $1,000 borrowed is $18.53. |
| up to 72 months | 4.74% | Payment per $1,000 borrowed is $15.98. |
| up to 84 months | 6.24% | Payment per $1,000 borrowed is $14.72. |
| up to 96 months | 6.99% | Payment per $1,000 borrowed is $13.63. |
Sources (3)
- atlanticfcu.com/loans/auto-personal-loans
- atlanticfcu.com/loans/auto-per…al-loans/auto-loans.html
- atlanticfcu.com/about/rates.html
All captured Oct 3, 2026
Who can join Atlantic Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to people who live, work, worship, or attend school in Androscoggin, Cumberland, Sagadahoc, or York County in Maine.
Family and household
- Membership is open to people who are related to someone that is an existing member of Atlantic Federal Credit Union.
Other ways
- Membership is open to businesses, organizations, or associations that reside or serve the communities of Androscoggin, Cumberland, Sagadahoc, or York County in Maine.
Cost to join
- Members must purchase a share for $25, deposited into their new personal savings or business savings account.
Membership information collected October 4, 2026.