Credit union · NCUA insured
Saco Valley Credit Union Auto Loan Rates
Saco Valley Credit Union auto loans start at 4.53% APR for a new vehicle and 4.53% for a used one. Rates checked October 22, 2026.
How Saco Valley Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, ME, where Saco Valley Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Saco Valley Credit Union
4.53%APR
- Terms
- 48–65 months
Auto Loans
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
Saco Valley Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.53%
- Used vehicleUsed4.53%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Saco Valley 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 Loans
Loans subject to credit approval. Risk-based pricing based on term and creditworthiness. Available for vehicles 10 or less model years old; vehicle age determines maximum term length.
| Terms | APR | Conditions |
|---|---|---|
| up to 23 months | 3.59% | Rate and APR as low as stated based on creditworthiness and term. Minimum loan amount $1,000. Includes $25 document fee in payment calculation. |
| 24–47 months | 4.04% | Rate and APR as low as stated based on creditworthiness and term. Minimum loan amount $3,000. Includes $25 document fee in payment calculation. |
| 48–65 months | 4.53% | Rate and APR as low as stated based on creditworthiness and term. Minimum loan amount $7,500. Includes $25 document fee in payment calculation. |
| 66–83 months | 5.02% | Rate and APR as low as stated based on creditworthiness and term. Minimum loan amount $10,000. Includes $25 document fee in payment calculation. |
Sources (1)
- sacovalley.org/auto-landing · captured Oct 7, 2026
Who can join Saco Valley 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, attends school, or worships in Cumberland or York County in Maine.
Family and household
- Membership is open to immediate family members of existing members, including parents, spouse, children, siblings, grandchildren, or grandparents.
Cost to join
- Membership requires opening a savings account with a $25 deposit, reflecting ownership in the credit union.
Membership information collected October 4, 2026.