Capital Area Federal Credit Union Auto Loan Rates

How Capital Area Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Augusta, ME, where Capital Area Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
Capital Area Federal Credit Union
5.50%APR
Terms
up to 60 months
Up to
10.50% APR
Automobiles
Lowest rate
Trademark Federal Credit Union
4.09%APR
Terms
—
Up to
—
Trademark Federal Credit Union rates
2nd-lowest rate
University Credit Union
4.24%APR
Terms
37–60 months
Up to
—
University Credit Union rates

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Auto loan score

Higher than 17% of U.S. banks and credit unions

By vehicle

New vehicleNew5.50%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

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Where Capital Area 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.

Automobiles

New and Used Auto financing available. Rates subject to FICO credit score and change daily. Fixed rates. Secured rates are for any Titled or UCC'd collateral. Stated rates are for New collateral; Used collateral rates are 0.25% to 3.00% higher based on credit tier and term. Business purpose loans add 1.00% to qualifying rate. LTV not to exceed 80% without special approval. An additional 0.25% added for collateral over 5 years old and 0.25% added for mileage over 100,000 miles. 2% APR Buy Down Program and Dealer/FI Match Program available.

Terms	APR	Conditions
up to 24 months	4.24%–8.50%	Rates by credit tier: A+ (730+) 4.24%, A (680-729) 4.50%, B (630-679) 5.25%, C (600-629) 6.75%, D (599 and below) 8.50%. Stated rates are for New collateral.
up to 36 months	4.50%–9.00%	Rates by credit tier: A+ (730+) 4.50%, A (680-729) 4.75%, B (630-679) 5.50%, C (600-629) 7.25%, D (599 and below) 9.00%. Stated rates are for New collateral.
up to 48 months	5.00%–9.50%	Rates by credit tier: A+ (730+) 5.00%, A (680-729) 5.25%, B (630-679) 6.00%, C (600-629) 7.75%, D (599 and below) 9.50%. Stated rates are for New collateral.
up to 60 months	5.50%–10.50%	Rates by credit tier: A+ (730+) 5.50%, A (680-729) 5.75%, B (630-679) 6.50%, C (600-629) 8.25%, D (599 and below) 10.50%. Stated rates are for New collateral.
up to 72 months	6.00%–11.50%	Rates by credit tier: A+ (730+) 6.00%, A (680-729) 6.25%, B (630-679) 7.00%, C (600-629) 9.50%, D (599 and below) 11.50%. Stated rates are for New collateral.
up to 84 months	6.50%–7.50%	Rates by credit tier: A+ (730+) 6.50%, A (680-729) 6.75%, B (630-679) 7.50% (Tiers C and D n/a, special processing required). Minimum loan amount of $25,000 for 84 months or higher financing and vehicle must be 3 years old or newer. Stated rates are for New collateral.
up to 96 months	6.75%–8.00%	Rates by credit tier: A+ (730+) 6.75%, A (680-729) 7.25%, B (630-679) 8.00% (Tiers C and D n/a, special processing required). Minimum loan amount of $25,000 for 84 months or higher financing and vehicle must be 3 years old or newer. Stated rates are for New collateral.

Sources (2)

All captured Oct 3, 2026

Who can join Capital Area 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

Individuals who live, work, worship, or attend school in Kennebec, Waldo, or Lincoln County, Maine, as well as businesses and other legal entities located there, are eligible for membership.

Family and household

Relatives of current members or individuals residing in the same household (including domestic partners, foster children, and legal guardian relationships maintaining a single economic unit) are eligible to join.

Cost to join

A $25.00 deposit into a share (savings) account is required upon joining.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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