Credit union · NCUA insured
Central Maine FCU Auto Loan Rates
Top CarrotCentral Maine FCU auto loans start at 4.95% APR for a new vehicle and 4.95% for a used one. Rates checked October 22, 2026.
How Central Maine FCU’s auto loan rates compare
Compared with banks and credit unions near Lewiston, ME, where Central Maine FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Central Maine FCU
4.95%APR
- Terms
- up to 60 months
New and Used Auto Loans
Lowest rate
Lisbon Community FCU
4.49%APR
- Terms
- up to 60 months
2nd-lowest rate
Dirigo Federal Credit Union
4.60%APR
- Terms
- up to 72 months
Central Maine FCU auto loan score
86
Auto loan score
Higher than 72% of U.S. banks and credit unions
- New vehicleNew4.95%
- Used vehicleUsed4.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central Maine FCU 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.
New and Used Auto Loans
Must qualify for membership (live, work, attend school, or worship in Androscoggin, Franklin, Hancock, Kennebec, Knox, Lincoln, Oxford, Somerset, or Waldo County in Maine). For eligible borrowers with qualified collateral. No internal refinancing. No rate discounts available on these rates. Rate varies based on credit history and underwriting factors. Vehicle age determines maximum loan term. Includes on-road motorcycles.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.60% | Rate as low as 4.60% APR for eligible borrowers with qualified collateral. Monthly payment of $43.69 per $1,000 borrowed. |
| up to 36 months | 4.60% | Rate as low as 4.60% APR for eligible borrowers with qualified collateral. Monthly payment of $29.79 per $1,000 borrowed. |
| up to 48 months | 4.75% | Rate as low as 4.75% APR for eligible borrowers with qualified collateral. Monthly payment of $22.92 per $1,000 borrowed. |
| up to 60 months | 4.95% | Rate as low as 4.95% APR for eligible borrowers with qualified collateral. Monthly payment of $18.85 per $1,000 borrowed. |
| up to 72 months | 5.25% | Rate as low as 5.25% APR for eligible borrowers with qualified collateral. Monthly payment of $16.22 per $1,000 borrowed. |
| up to 84 months | 5.75% | Rate as low as 5.75% APR for eligible borrowers with qualified collateral. Monthly payment of $14.49 per $1,000 borrowed. |
Who can join Central Maine FCU
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 anyone who lives, works, attends school, or worships in the Maine counties of Androscoggin, Franklin, Hancock, Kennebec, Knox, Lincoln, Oxford, Somerset, and Waldo.
Membership information collected October 4, 2026.