Credit union · NCUA insured
Dirigo Federal Credit Union Auto Loan Rates
Top CarrotDirigo Federal Credit Union auto loans start at 4.60% APR for a new vehicle and 4.60% for a used one. Rates checked October 9, 2026.
How Dirigo Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Lewiston, ME, where Dirigo Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Dirigo Federal Credit Union
4.60%APR
- Terms
- up to 72 months
Auto, Truck (2023 & Newer)
Lowest rate
Lisbon Community FCU
4.49%APR
- Terms
- up to 60 months
3rd-lowest rate
cPort Credit Union
4.74%APR
- Terms
- up to 60 months
Dirigo Federal Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
- New vehicleNew4.60%
- Used vehicleUsed4.60%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Dirigo 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.
Auto, Truck (2019-2022)
Max mileage 100,000. Membership eligibility: Live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York county. Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | — |
| up to 48 months | 4.82% | — |
| up to 36 months | 4.72% | — |
Sources (3)
All captured Oct 8, 2026
Auto, Truck (2022 Only)
Max mileage 100,000. Membership eligibility: Live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York county. Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.37% | — |
Sources (3)
All captured Oct 8, 2026
Auto, Truck (2023 & Newer)
Max mileage 100,000. Membership eligibility: Live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York county. Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.09% | — |
| up to 72 months | 4.60% | — |
| up to 60 months | 4.38% | — |
| up to 48 months | 4.26% | — |
| up to 36 months | 4.21% | — |
Sources (3)
All captured Oct 8, 2026
Who can join Dirigo 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 work, reside (or live), attend school, or worship in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York county are eligible for membership.
Family and household
- Individuals who have an immediate family member who is a Dirigo FCU member in good standing are eligible for membership.
Cost to join
- Membership requires opening and maintaining a Share Account with a minimum balance of $25.00.
Membership information collected October 4, 2026.