Credit union · NCUA insured
Eastmill Federal Credit Union Auto Loan Rates
Top CarrotEastmill Federal Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Eastmill Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bangor, ME, where Eastmill Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Eastmill Federal Credit Union
4.50%APR
- Terms
- 49–63 months
Vehicle Loan
Lowest rate
University Credit Union
4.24%APR
- Terms
- 37–60 months
3rd-lowest rate
Katahdin Federal Credit Union
4.50%APR
- Terms
- 49–60 months
Eastmill Federal Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Eastmill 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.
Vehicle Loan
Available for new or used vehicles that are 12 years old or newer, with up to 100% financing. Available for purchase or refinancing. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.00% | Collateral year 2022-2026. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
| 37–48 months | 4.40% | Collateral year 2022-2026. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
| 49–63 months | 4.50% | Collateral year 2022-2026. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
| 64–72 months | 4.70% | Collateral year 2022-2026. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
| 73–84 months | 5.50% | Collateral year 2022-2026. Loan amount >$25K. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
| up to 36 months | 4.90% | Collateral year 2018-2021. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
| 37–48 months | 5.15% | Collateral year 2018-2021. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
| 49–63 months | 5.40% | Collateral year 2018-2021. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
| 64–72 months | 5.80% | Collateral year 2018-2021. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
| up to 36 months | 6.75% | Collateral year 2014-2017. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
| 37–48 months | 6.75% | Collateral year 2014-2017. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account. |
Sources (1)
- eastmillfcu.org/loans/auto-and-recreational-loans · captured Oct 3, 2026
Who can join Eastmill 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 individuals who reside, work, worship, or attend school in Penobscot County, Southern Aroostook County, and Central Aroostook County.
Cost to join
- Members are required to open a Prime Share Savings account and maintain a $25.00 balance.
Membership information collected October 4, 2026.