(207) 945-6264 or 1-800-974-4475 
Loan Rates
As of 3/08/2010
| LOAN TYPES |
TERMS | *APR | MONTHLY PAYMENT PER $1,000 |
| **Collateral Loans listed below |
36 months |
As low as 4.50% |
$29.97 |
| **Collateral Loans listed below | 66 months |
As low as 5.00% |
$17.37 |
| **Collateral Loans listed below | 76 months |
As low as 5.75% |
$15.74 |
| **Collateral Loans listed below | 84 months |
As low as 6.50% |
$14.85 |
| **Collateral Loans listed below | 96 months |
As low as 7.50% |
$13.89 |
| **Collateral Loans listed below | 120 months |
As low as 8.50% |
$12.40 |
*Annual Percentage Rate (APR) for the above loans will vary based on borrower’s credit worthiness and selected term. Our loans are risk based priced to determine the interest rate. Please contact a loan officer at 207-945-6264 for details.
** Collateral loans include new and 2002 and above used vehicles, new and 2002 and above used motorcycles, new and 2002 and above used ATVs, new and 2002 and above used snowmobiles, new and 2002 and above used boats, new and 2002 and above used motor homes and campers, new and 2002 and above used tow trailers, new and 2002 and above used garden and lawn equipment, new and 2002 and above used business equipment.
| LOAN TYPES |
TERMS | *APR |
MONTHLY PAYMENT PER $1,000 |
| Unsecured | Up to 60 months |
As low as 8.50% |
$20.52 |
| **Collateral loans 2001 and older model year |
Up to 60 months |
As low as 8.50% | $20.52 |
*Annual Percentage Rate (APR) for the above loans will vary based on borrower’s credit worthiness and selected term. Our loans are risk based priced to determine the interest rate.
**Collateral loans 2001 and older include used vehicles, used motorcycles, used ATVs, used snowmobiles, used boats, used motor homes and campers, used tow trailers, used garden and lawn equipment, used business equipment.
| Credit Score |
Credit Tier |
Signature Loans |
Secured Loans** (2002+) |
Higher Priced Recreation/Boat |
|||
|
Up to 36 Mos. APR |
Up to 66 Mos. APR |
Up to 76 Mos. APR |
Up to 84 Mos. APR |
Up to 96 Mos. or 120 Mos. APR |
|||
| 730+ | A+ | 8.50% |
4.50% | 5.00% |
5.75% | 6.50% |
7.50% - 8.50% |
| 680 - 729 | A | 9.50% | 5.00% | 5.50% | 6.25% | 7.00% | 8.00% - 9.00% |
| 640 - 679 | B | 11.00% | 5.50% | 6.00% | 6.75% | 7.50% | 8.50% - 9.50% |
| 600 - 639 |
C | 13.00% | 6.25% | 7.00% | 7.75% | 8.25% | 9.25% - 10.25% |
| 550 - 599 |
D | 15.50% | 8.00% | 8.75% | 9.50% | 10.25% | N/A |
| 549 or less |
E | 18.00% | 9.50% |
10.25% | 11.00% |
11.75% | N/A |
*Collateral loans include new and used vehicles, motorcycles, ATV, snowmobiles, boats, other watercraft, motorhomes, and campers.
**Vehicles/other collateral financed that are more than 7 model years back will be priced at the signature loan rates. We loan up to clean trade-in as quoted in NADA Appraisal Guide. (Rebuilt and salvage vehicles: we will lend up to average trade-in only. Options and accessories are not included in the average trade-in figure.)
Share Secured loans are 3.00% above the rate you are being paid on the share (savings) account.
We offer an unsecured Share Draft Line of Credit with a $2,500 maximum, 16% interest and a minimum payment of $50.00.
The following is applicable on all collateral loans:
With a 10% down payment or equity, the rate is lowered by ¼%
With a 25% down payment or equity, the rate is lowered by ½%
APR=Annual Percentage Rate
Rates are subject to change without a notice. Other conditions may apply. Call the credit union for more information.
Use our loan calculator to estimate monthly payments and how much a down payment will lower your monthly payment. 
