TruChoice Federal Credit Union Auto Loan Rates

How TruChoice Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions near Portland, ME, where TruChoice Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

This credit union’s lowest
TruChoice Federal Credit Union
4.50%APR
Terms
up to 60 months
New Vehicle (Less than 3 years old)
Lowest rate
Coast Line Credit Union
3.95%APR
Terms
up to 60 months
Coast Line Credit Union rates
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
Terms
24–84 months
TruGrocer Federal Credit Union rates

Compare auto loan rates near you →

Auto loan score

Higher than 86% of U.S. banks and credit unions

By vehicle

New vehicleNew4.50%
Used vehicleUsed4.50%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where TruChoice 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.

Lower Your Vehicle Loan Up To 2 Percent!

Limited time offer available on approved credit for the purchase or refinance of a new or used vehicle. TruChoice Federal Credit Union will reduce your vehicle loan rate by up to 2.00 percentage points, subject to a minimum rate of 3.50% APR. Offer valid on new or used vehicle loans that result in new financing with TruChoice FCU. Existing TruChoice FCU loans do not apply. Rates, terms, conditions, and offer are subject to change without notice.

Terms	APR	Conditions
—	3.50%	As low as 3.50% APR minimum floor rate. TruChoice Federal Credit Union will reduce your vehicle loan rate by up to 2.00 percentage points, subject to a minimum rate of 3.50% APR. Available for purchase or refinance of a new or used vehicle. Existing TruChoice FCU loans do not apply.

Sources (1)

trufcu.com/2-below-vehicle-loans-2026 · captured Oct 22, 2026

New Vehicle (Less than 3 years old)

Available for vehicles less than 3 years old. No minimum loan amount. Loan terms up to 84 months. Actual APR may vary based on individual credit history and underwriting criteria. Membership eligibility required (living, working, worshipping, or attending school in designated Maine counties).

Terms	APR	Conditions
up to 48 months	4.25%	As low as 4.25% APR for terms up to 48 months. No minimum.
up to 60 months	4.50%	As low as 4.50% APR for terms up to 60 months. No minimum.
up to 72 months	5.00%	As low as 5.00% APR for terms up to 72 months. No minimum.
up to 84 months	6.50%	As low as 6.50% APR for terms up to 84 months. No minimum.

Sources (3)

All captured Oct 22, 2026

Summer of Refinancing 2026

Limited-time promotional campaign running from July 1, 2026 to September 30, 2026 for purchase or refinance of a new or used vehicle. Reduces current vehicle loan rate by up to 2.00 percentage points, subject to a minimum rate of 3.25% APR. Available for new TruChoice FCU vehicle loans; existing TruChoice loans are not eligible unless refinancing with a balance increase of $5,000. Membership eligibility and credit approval required.

Terms	APR	Conditions
—	3.25%	As low as 3.25% APR floor rate. Reduces current loan rate by up to 2.00 percentage points (subject to 3.25% APR minimum). Promotional period July 1, 2026 - September 30, 2026. If existing TruChoice loan, requires balance increase of $5,000.

Sources (1)

trufcu.com/summer-of-refinancing-2026 · captured Oct 3, 2026

Used Vehicle (3 years or older)

Available for vehicles 3 years or older. No minimum loan amount. Actual APR may vary based on individual credit history and underwriting criteria. Membership eligibility required.

Terms	APR	Conditions
up to 48 months	4.25%	As low as 4.25% APR for terms up to 48 months. No minimum.
up to 60 months	4.50%	As low as 4.50% APR for terms up to 60 months. No minimum.
up to 72 months	5.00%	As low as 5.00% APR for terms up to 72 months. No minimum.
up to 84 months	6.50%	As low as 6.50% APR for terms up to 84 months. No minimum.

Sources (3)

All captured Oct 22, 2026

Who can join TruChoice Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

← TruChoice Federal Credit Union overview