Credit union · NCUA insured
Midcoast Federal Credit Union Auto Loan Rates
Midcoast Federal Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 22, 2026.
How Midcoast Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, ME, where Midcoast Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Midcoast Federal Credit Union
5.74%APR
- Terms
- up to 60 months
Auto Loan
Lowest rate
Coast Line Credit Union
3.95%APR
- Terms
- up to 60 months
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
Midcoast Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Midcoast 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 Loan
Interest rates apply to loans secured by titled, non-commercial passenger vehicles both NEW and USED up to 10 model years old and non-titled recreation boats up to 10 model years old. Subject to credit approval. Other rates and terms available for qualified borrowers.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 4.49% | Monthly payment per $1000 is $85.38. Titled passenger vehicles new and used up to 10 model years old. |
| up to 24 months | 5.24% | Monthly payment per $1000 is $43.98. Titled passenger vehicles new and used up to 10 model years old. |
| up to 36 months | 5.24% | Monthly payment per $1000 is $30.08. Titled passenger vehicles new and used up to 10 model years old. |
| up to 48 months | 5.74% | Monthly payment per $1000 is $23.37. Titled passenger vehicles new and used up to 10 model years old. |
| up to 60 months | 5.74% | Monthly payment per $1000 is $19.22. Titled passenger vehicles new and used up to 10 model years old. |
| up to 72 months | 6.24% | Monthly payment per $1000 is $16.69. Titled passenger vehicles new and used up to 10 model years old. |
| up to 84 months | 6.24% | Monthly payment per $1000 is $14.73. Titled passenger vehicles new and used up to 10 model years old. |
Sources (1)
- midcoastfcu.me/rates · captured Oct 3, 2026
Who can join Midcoast 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 live, work, worship, volunteer, or attend school in Waldo County, Knox County, Lincoln County, Sagadahoc County, Cumberland County, or the town of Durham in Androscoggin County, Maine are eligible for membership.
Family and household
- Immediate family members and individuals who share a household with eligible persons are eligible for membership.
Other ways
- Businesses and other legal entities within the field of membership are eligible for services/membership.
Cost to join
- A minimum $5.00 deposit into a Savings Account is required to start membership.
Membership information collected October 4, 2026.