Consumer Loan Rates
Auto & Titled Motorcycle Loans
| Model Year | Term | Rates As Low As | Payment Per $1,000 |
|---|---|---|---|
| 2025-2018 | 3 Years | 5.00% APR* | $29.97 |
| 4 Years | 5.00% APR* | $23.03 | |
| 5 Years | 5.50% APR* | $19.10 | |
| 6 Years** | 6.00% APR* | $16.57 | |
| 7 Years*** | 6.25% APR* | $14.73 | |
| 2017-2015 | 5 Years | 6.00% APR | $19.33 |
| 2014-2010 | 3 Years | 7.00% APR* | $30.88 |
*APR=Annual Percentage Rate. The annual percentage rates published above are based on a credit score of 785 and higher. Rates may vary depending on an individual’s credit score and are subject to underwriting factors and credit approval.
**The minimum 6-year loan amount for autos and titled motorcycles is $15,000.
***The minimum 7-year loan amount for autos and titled motorcycles is $25,000.
Non-Titled Motorcycle, Snowmobile, Jet Ski, Utility Trailer
| Model Year | Term | Rates As Low As | Payment Per $1,000 |
|---|---|---|---|
| 2025-2022 | 4 Years | 5.75% APR* | $23.37 |
| 5 Years | 6.25% APR* | $19.45 | |
| 6 Years | 6.75% APR* | $16.93 | |
| 2021-2019 | 5 Years | 6.50% APR* | $19.57 |
| 2018-2015 | 3 Years | 7.00% APR* | $30.88 |
*APR=Annual Percentage Rate. The annual percentage rates published above are based on a credit score of 785 and higher. Rates may vary depending on an individual’s credit score and are subject to underwriting factors and credit approval.
Boat1, Camper2, and Motor Home2
| Model Year | Term | Rates As Low As | Payment Per $1,000 |
|---|---|---|---|
| 2025-2022 | 4 Years | 5.75% APR* | $23.37 |
| 5 Years | 6.25% APR* | $19.45 | |
| 6 Years | 6.75% APR* | $16.93 | |
| 7 Years | 7.00% APR* | $15.09 | |
| 10 Years | 8.00% APR* | $12.13 | |
| 15 Years | 8.75% APR* | $9.99 | |
| 2021-2018 | 5 Years | 6.50% APR* | $19.57 |
| 7 Years | 7.25% APR* | $15.22 | |
| 2017-2014 | 5 Years | 7.50% APR* | $20.04 |
*APR=Annual Percentage Rate. The annual percentage rates published above are based on a credit score of 785 and higher. Rates may vary depending on an individual’s credit score and are subject to underwriting factors and credit approval.
1The maximum loan amount for boats is $125,000, and the maximum term is 10 years.
2The maximum loan amount for campers and motor homes is $125,000, and the maximum term is 15 years.
Tractor (Personal use only)
| Loan Amount | Maximum Term | Rates As Low As | Payment Per $1,000 |
|---|---|---|---|
| $20,000 to $49,999 | 6 Years | 7.00% APR* | $17.05 |
| $10,000 to $19,999 | 5 Years | 6.50% APR* | $19.57 |
| $6,000 to $9,999 | 4 Years | 6.00% APR* | $23.50 |
| $3,000 to $5,999 | 3 Years | 6.00% APR* | $30.42 |
| $500 to $2,999 | 2 Years | 6.00% APR* | $44.32 |
*APR=Annual Percentage Rate. The annual percentage rates published above are based on a credit score of 785 and higher. Rates may vary depending on an individual’s credit score and are subject to underwriting factors and credit approval.
Unsecured Personal Loans
| Maximum Term | Rates As Low As | Payment Per $1,000 |
|---|---|---|
| 5 Years | 12.00% APR* | $22.25 |
| 4 Years | 11.00% APR* | $25.86 |
| 3 Years | 10.00% APR* | $32.28 |
| 2 Years | 9.50% APR* | $45.92 |
| 1 Year | 9.00% APR* | $87.47 |
*APR=Annual Percentage Rate. The annual percentage rates published above are based on a credit score of 785 and higher. Rates may vary depending on an individual’s credit score and are subject to underwriting factors and credit approval.
Energy Efficiency & Fuel Loans
| Loan Type | Term | Maximum Loan Amount | Rates As Low As | Payment Per $1,000 |
|---|---|---|---|---|
| Energy Efficiency | Up to 60 Months | $10,000 | 7.00% APR* | $19.80 for 60 months |
| Home Fuel | 18 Months | $3,500 | 5.00% APR* | $57.79 for 18 months |
*APR=Annual Percentage Rate. The annual percentage rates published above are based on a credit score of 785 and higher. Rates may vary depending on an individual’s credit score and are subject to underwriting factors and credit approval.
Credit Builder Loans
Credit Builder Loan is available to members with no credit score or credit scores of 635 or lower.
| Minimum Loan Amount | Maximum Loan Amount | Minimum Term | Maximum Term | Rates As Low As | Payment Per $1,000 |
|---|---|---|---|---|---|
| $500 | $1,000 | 6 Months | 12 Months | 5.25% APR* | $85.68 |
*APR=Annual Percentage Rate. The annual percentage rates published above are based on a credit score of 785 and higher. Rates may vary depending on an individual’s credit score and are subject to underwriting factors and credit approval.
Loan Rate Discounts
Auto Pay Loan Discount
We offer a loan discount of 0.10% APR** for automatic payments. Auto pay is when you authorize the Credit Union to set up a recurring payment transfer for your loan on a regular basis (weekly, bi-weekly, monthly). This can be set up to transfer from an account at Maine Family Federal Credit Union or an ACH payment using your checking and routing number from another financial institution.
Military Service Loan Discount
We offer a military service loan discount of 0.20% APR** on all non-open-end and non-real estate loans. It’s our way of showing appreciation for the service and dedication of our active duty and veteran members. Members will need to provide a DD-214 stating they were honorably discharged from the military or a current military ID.
Wisdom Member Loan Discount
We offer a loan discount of 0.10% APR ** for all non-open-end and non-real estate loans for Wisdom members who are 60 and older.
**APR=Annual Percentage Rate. Loan discounts do not apply to real estate, lines of credit, or Visa credit cards. The discount will be applied to the APR that a member qualifies for based on creditworthiness.