Credit union · NCUA insured
Evergreen Credit Union Auto Loan Rates
Top CarrotEvergreen Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 22, 2026.
How Evergreen Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, ME, where Evergreen Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Evergreen Credit Union
4.49%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Vehicle Loans
Lowest rate
Coast Line Credit Union
3.95%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
- Discount
- None included
Evergreen Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Evergreen 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.
1st Time Auto Loans
Designed for members who may have limited or no credit history. May require 6 to 12 months of continuous employment. Membership eligibility required ($5 Share Savings account required before loan funding). No application fee. Rates reflect relationship loan discount pricing. Financing options may vary based on vehicle mileage.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 6.24% | Up to 100% financing. Payment per $1,000 is $44.43. Rates reflect relationship loan discount pricing. Financing options may vary based on vehicle mileage. Not all applicants will qualify for lowest rate. |
| up to 36 months | 6.49% | Up to 100% financing. Payment per $1,000 is $30.64. Rates reflect relationship loan discount pricing. Financing options may vary based on vehicle mileage. Not all applicants will qualify for lowest rate. |
| up to 48 months | 6.49% | Up to 100% financing. Payment per $1,000 is $23.71. Rates reflect relationship loan discount pricing. Financing options may vary based on vehicle mileage. Not all applicants will qualify for lowest rate. |
| up to 60 months | 6.74% | Up to 100% financing. Payment per $1,000 is $19.68. Rates reflect relationship loan discount pricing. Financing options may vary based on vehicle mileage. Not all applicants will qualify for lowest rate. |
Sources (1)
- egcu.org/loans/consumer-loans/auto-loans.html · captured Oct 15, 2026
Motorcycles
Rates reflect relationship loan discount pricing. Not all applicants will qualify for the lowest rate. Up to 110% financing. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.49% | Up to 110% financing. Payment per $1,000 is $43.64. Rates reflect relationship loan discount pricing. Not all applicants will qualify for lowest rate. |
| up to 48 months | 4.99% | Up to 110% financing. Payment per $1,000 is $23.02. Rates reflect relationship loan discount pricing. Not all applicants will qualify for lowest rate. |
| up to 60 months | 5.74% | Up to 110% financing. Payment per $1,000 is $19.21. Rates reflect relationship loan discount pricing. Not all applicants will qualify for lowest rate. |
| up to 72 months | 6.49% | Up to 110% financing. Payment per $1,000 is $16.81. Rates reflect relationship loan discount pricing. Not all applicants will qualify for lowest rate. |
Sources (1)
- egcu.org/loans/consumer-loans/auto-loans.html · captured Oct 15, 2026
Vehicle Loans
Membership eligibility required (live, work, worship, or attend school in Androscoggin, Cumberland, Lincoln, Oxford, Sagadahoc, or York counties, or immediate relative). $5 Share Savings account required prior to funding. No application fee. Rates reflect Risk Based & Relationship Pricing Discounts. Available for both new and used vehicles and refinancing.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | Up to 110% financing. Payment per $1,000 is $43.42. Rates reflect relationship loan discount pricing. Not all applicants will qualify for lowest rate. |
| up to 48 months | 4.24% | Up to 110% financing. Payment per $1,000 is $22.69. Rates reflect relationship loan discount pricing. Not all applicants will qualify for lowest rate. |
| up to 60 months | 4.49% | Up to 110% financing. Payment per $1,000 is $18.64. Rates reflect relationship loan discount pricing. Not all applicants will qualify for lowest rate. |
| up to 72 months | 4.74% | Up to 110% financing. Payment per $1,000 is $15.98. Rates reflect relationship loan discount pricing. Not all applicants will qualify for lowest rate. |
| up to 84 months | 5.99% | Up to 100% financing. Payment per $1,000 is $14.60. Rates reflect relationship loan discount pricing. Not all applicants will qualify for lowest rate. |
Sources (1)
- egcu.org/loans/consumer-loans/auto-loans.html · captured Oct 15, 2026
Who can join Evergreen Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.