Credit union · NCUA insured
University Credit Union Auto Loan Rates
Top CarrotUniversity Credit Union auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 22, 2026.
How University Credit Union’s auto loan rates compare
Compared with banks and credit unions near Portland, ME, where University Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
University Credit Union
4.24%APR
- Terms
- 37–60 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
University Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where University 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
Financing available for vehicles up to 12 model years old. Loans subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| 37–60 months | 4.24% | Rates as low as 4.24% APR vary based on creditworthiness. Applies to 37-60 month term for loans secured by non-commercial passenger vehicles including autos and light-duty trucks, both new and used up to 7 model years old. Minimum loan amount $3,000. |
Who can join University 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This may be incomplete or out of date, so check with the credit union before you apply.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 in, worship in, attend school in, or work in the rural district of Androscoggin, Cumberland, Franklin, Hancock, Kennebec, Knox, Oxford, Penobscot, Somerset, Waldo, and Washington counties, as well as businesses and other legal entities within the rural district boundaries, are eligible for membership.
Employers and groups
- Members of the Maine Consumer Council, a chapter of the American Consumer Council, are eligible for membership.
- Employees of University Credit Union are eligible for membership.
Military, government and schools
- Employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute, and employees of other units located on the campuses are eligible for membership.
Family and household
- Spouses of individuals who died while within the credit union's field of membership, as well as immediate family members (spouse, child, sibling, parent, grandparent, grandchild including step/adoptive) and persons living in the same residence maintaining a single economic unit of eligible individuals, are eligible for membership.
Membership information collected October 4, 2026.