Credit union · NCUA insured
Town & Country Federal Credit Union Auto Loan Rates
Top CarrotTown & Country Federal Credit Union auto loans start at 4.74% APR for a new vehicle and 4.99% for a used one. Rates checked October 22, 2026.
How Town & Country Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, ME, where Town & Country Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Town & Country Federal Credit Union
4.74%APR
- Terms
- up to 63 months
- Discount
- Included in the rate
New 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
Town & Country Federal Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Town & Country 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 Refinance
Does not apply to existing TCFCU auto loans. Terms up to 84 months and up to 120% financing available. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | Make no payments until 2027 (applies to qualifying auto loans refinanced from another financial institution between October 1 and October 31, 2026; interest accrues during deferral). Rate reflects 0.25% discount for relationship pricing. |
New Vehicle Loans
Up to 120% financing available; terms up to 84 months. Membership and credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | Rate reflects 0.25% discount for relationship pricing. Payment per $1,000 is $22.69. As low as rate subject to credit approval. |
| up to 63 months | 4.74% | Rate reflects 0.25% discount for relationship pricing. Payment per $1,000 is $17.96. As low as rate subject to credit approval. |
| up to 75 months | 5.24% | Rate reflects 0.25% discount for relationship pricing. Payment per $1,000 is $15.66. As low as rate subject to credit approval. |
| up to 84 months | 5.74% | Rate reflects 0.25% discount for relationship pricing. Payment per $1,000 is $14.48. As low as rate subject to credit approval. |
Sources (2)
All captured Oct 7, 2026
Used Vehicle Loans
Up to 120% financing available; terms up to 84 months. Membership and credit approval required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.49% | Rate reflects 0.25% discount for relationship pricing. Payment per $1,000 is $22.08. As low as rate subject to credit approval. |
| up to 63 months | 4.99% | Rate reflects 0.25% discount for relationship pricing. Payment per $1,000 is $18.08. As low as rate subject to credit approval. |
| up to 75 months | 5.49% | Rate reflects 0.25% discount for relationship pricing. Payment per $1,000 is $15.78. As low as rate subject to credit approval. |
Sources (2)
All captured Oct 7, 2026
Who can join Town & Country 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, attend school, or worship in Cumberland or York County, Maine are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
Family and household
- Family members of individuals eligible through Cumberland or York County residency/work/school/worship, or of current credit union members, are eligible for membership.
Membership information collected October 4, 2026.