Credit union · NCUA insured
Maine Highlands Federal Credit Union Auto Loan Rates
Maine Highlands Federal Credit Union auto loans start at 5.29% APR for a new vehicle and 5.29% for a used one. Rates checked October 3, 2026.
How Maine Highlands Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bangor, ME, where Maine Highlands Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Maine Highlands Federal Credit Union
5.29%APR
- Terms
- 49–72 months
Vehicles & Motorcycles - New
Lowest rate
University Credit Union
4.24%APR
- Terms
- 37–60 months
2nd-lowest rate
Eastmill Federal Credit Union
4.50%APR
- Terms
- 49–63 months
Maine Highlands Federal Credit Union auto loan score
76
Auto loan score
Higher than 42% of U.S. banks and credit unions
- New vehicleNew5.29%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Maine Highlands 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.
Vehicles & Motorcycles - New
No prepayment penalties or hidden charges. Available to members of Maine Highlands FCU.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 4.79% | Estimated monthly payment is $22.96 per $1000 borrowed (based on term of 48 months). |
| 49–72 months | 5.29% | Estimated monthly payment is $16.24 per $1000 borrowed (based on term of 72 months). |
| 73–84 months | 5.79% | Applies to loan amounts over $30,000.00. Estimated monthly payment is $14.51 per $1000 borrowed (based on term of 84 months). |
Vehicles & Motorcycles - Used (5 - 8 model-years old)
5 - 8 model-years old. No prepayment penalties or hidden charges. Available to members of Maine Highlands FCU.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 6.79% | Estimated monthly payment is $23.85 per $1000 borrowed (based on term of 48 months). |
| 49–60 months | 7.79% | Estimated monthly payment is $20.18 per $1000 borrowed (based on term of 60 months). |
| 61–72 months | 8.79% | Applies to loan amounts over $20,000.00. Estimated monthly payment is $17.92 per $1000 borrowed (based on term of 72 months). |
Vehicles & Motorcycles - Used (9 - 12 model-years old)
9 - 12 model-years old. No prepayment penalties or hidden charges. Available to members of Maine Highlands FCU.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 8.99% | Estimated monthly payment is $31.47 per $1000 borrowed (based on term of 36 months). |
| 49–60 months | 9.99% | Applies to loan amounts over $15,000.00. Estimated monthly payment is $25.03 per $1000 borrowed (based on term of 48 months). |
Vehicles & Motorcycles - Used (Up to 4 model-yrs old)
Up to 4 model-years old. No prepayment penalties or hidden charges. Available to members of Maine Highlands FCU.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 5.29% | Estimated monthly payment is $19.01 per $1000 borrowed (based on term of 60 months). |
| 61–72 months | 6.29% | Estimated monthly payment is $16.71 per $1000 borrowed (based on term of 72 months). |
| 73–84 months | 7.29% | Applies to loan amounts over $30,000.00. Estimated monthly payment is $15.23 per $1000 borrowed (based on term of 84 months). |
Who can join Maine Highlands 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 persons who live, work, worship, or attend school in the rural district of Piscataquis, Penobscot, or Somerset Counties, Maine.
Employers and groups
- Membership is open to employees of the credit union.
Family and household
- Membership is open to members of the immediate families of eligible persons.
Other ways
- Membership is open to organizations of persons who are within the credit union's field of membership.
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Membership information collected October 4, 2026.