Our lobby remains closed until further notice; Drive Up Hours: 9a - 5p
115 Mecaw Rd., Hampden, ME 04444|(207) 945-6264

Spring is the season of savings at Changing Seasons with auto loan rates as low as 2.49%!

Looking for a new or used vehicle?

You find the vehicle that suits your needs and we will do everything we can to help make that happen. Whether you have the best credit or credit you would like to rebuild, we can help. We look at the whole picture, not just your credit score. Click on the Auto Icon and start your auto search today!

Paying an auto rate that’s too high?

Let Changing Seasons lower your monthly payments when you refinance with us!

What about vehicles you already own that may need some TLC?

Mechanical Repair Coverage is also available on vehicles you already own even if they are not financed with the credit union.  Contact us for additional information and pricing below.

Not a member yet?

No problem! Our team will get you enrolled and on the road in no time.


Don’t wait! These low rates end when the season changes.


Loan Type Terms APR* Monthly per $1,000
Auto Up To 60 mos As low as 2.49% (**) $17.74
Auto Up To 78 mos As low as 3.49% (**) $14.36
Other- ATV, Boat, Bike, RV Up To 60 mos As low as 4.74% $18.75
Other -ATV, Boat, Bike, RV Up To 120 mos As low as 5.99% $11.10

** Special Spring 2019 promotional loan rate through 6/21/19.

Getting started is easy! Contact us with any questions:


Call (207) 945-6264

Apply Online

Visit Our Branch:

115 Mecaw Rd., Hampden, ME 04444


  • (Non-members welcome! We can help you join easily so you can enjoy the benefits of being in the Changing Seasons family).

Auto Loans from Changing Seasons include:

Payment example: $10,000 loan at 2.99% APR for 60 months, monthly payments of approximately $179.66 each. Total Interest paid of $779.34 and Total of Payments of $10,779.34.

Secured loans available up to $50,000. Not all applicants will qualify for maximum amount.

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. Other conditions may apply. Rates are subject to change without notice.

Links to Third Party Sites

You are now leaving Changing Seasons Federal Credit Union ("The Credit Union") website and linking to a website not owned or operated by the Credit Union. Links to other Web Sites/e-mail addresses are provided solely as a convenience to our members and other customers.

The Credit Union has no control over the content of these sites/addresses; and the Credit Union shall have no responsibility or liability relating to any access to such sites or communications between you and such Third Parties.

The Credit Union's privacy disclosures do not apply to linked Third Party websites, and we advise you to consult the privacy disclosures on the linked Third Party website for further information.

The Credit Union's website may also contain links to other websites owned, operated by, or affiliated with the Credit Union ("Affiliated Sites"). Affiliated Sites are also not governed by Credit Union's privacy or other policies; and you are advised to review the privacy disclosures applicable to each Affiliated Site you visit.

Products / Services Offered by Third Parties / Affiliates: Any products or services ("products") which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between you and the third party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.