Credit union · NCUA insured
Seaboard Federal Credit Union Auto Loan Rates
Top CarrotSeaboard Federal Credit Union auto loans start at 4.90% APR for a new vehicle and 5.25% for a used one. Rates checked October 22, 2026.
How Seaboard Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Bangor, ME, where Seaboard Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Seaboard Federal Credit Union
4.90%APR
- Terms
- up to 60 months
Brand New Auto
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
Seaboard Federal Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.90%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Seaboard 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.
2017 & Older Rebuilts/Salvage
Up to 75% of JD Power Rebuilts/Salvage. GAP, Warranty and Debt Protection are available! Rates will vary within the ranges shown based on borrower's credit score, selected term, and percentage financed. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.75% | Up to 75% of JD Power Rebuilts/Salvage. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 60 months | 7.75% | Up to 75% of JD Power Rebuilts/Salvage. GAP, Warranty and Debt Protection are available! As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
Sources (1)
- seaboardfcu.com/Rates/Consumer-Loan-Rates · captured Oct 3, 2026
Brand New Auto
Rates vary based on borrower's credit score, selected term, and percentage financed. Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or higher. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.90% | Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 48 months | 4.90% | Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 60 months | 4.90% | Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 72 months | 5.00% | Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 84 months | 5.75% | Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
Sources (1)
- seaboardfcu.com/Rates/Consumer-Loan-Rates · captured Oct 3, 2026
Motorcycle, ATV & Snowmobile
Rates will vary within the ranges shown based on borrower's credit score, selected term, and percentage financed. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 48 months | 5.50% | Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 60 months | 5.50% | Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 72 months | 6.15% | Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 84 months | 6.75% | Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 36 months | 6.20% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 48 months | 6.20% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 60 months | 6.20% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 72 months | 7.20% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 36 months | 8.25% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 48 months | 8.25% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 60 months | 8.25% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
Sources (1)
- seaboardfcu.com/Rates/Consumer-Loan-Rates · captured Oct 3, 2026
Used Auto
Rates will vary within the ranges shown based on borrower's credit score, selected term, and percentage financed. Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 48 months | 5.25% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 60 months | 5.25% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 72 months | 5.90% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 84 months | 6.50% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 36 months | 5.70% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 48 months | 5.70% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 60 months | 5.70% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 72 months | 6.70% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
| up to 36 months | 7.75% | Up to 100% of JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice. |
Sources (1)
- seaboardfcu.com/Rates/Consumer-Loan-Rates · captured Oct 3, 2026
Who can join Seaboard Federal Credit Union
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