Consumer Loan Rates

Auto & Titled Motorcycle Loans

Model Year	Term	Rates As Low As	Payment Per $1,000
2025-2018	3 Years	4.90% APR*	$29.93
	4 Years	4.90% APR*	$22.98
	5 Years	5.25% APR*	$18.99
	6 Years**	5.50% APR*	$16.34
	7 Years***	5.75% APR*	$14.49
2017-2015	5 Years	5.75% APR	$19.22
2014-2010	3 Years	6.75% APR*	$30.76

*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	5.50% APR*	$23.26
	5 Years	6.00% APR*	$19.33
	6 Years	6.25% APR*	$16.69
2021-2019	5 Years	6.25% APR*	$19.45
2018-2015	3 Years	6.50% APR*	$30.65

Boat¹, Camper², and Motor Home²

Model Year	Term	Rates As Low As	Payment Per $1,000
2025-2022	4 Years	5.50% APR*	$23.26
	5 Years	6.00% APR*	$19.33
	6 Years	6.25% APR*	$16.69
	7 Years	6.75% APR*	$14.97
	10 Years	7.50% APR*	$11.87
	15 Years	7.50% APR*	$9.27
2021-2018	5 Years	6.25% APR*	$19.45
	7 Years	7.25% APR*	$15.22
2017-2014	5 Years	7.50% APR*	$20.04

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	6.50% APR*	$16.82
$10,000 to $19,999	5 Years	6.00% APR*	$19.34
$6,000 to $9,999	4 Years	5.50% APR*	$23.27
$3,000 to $5,999	3 Years	5.50% APR*	$30.21
$500 to $2,999	2 Years	5.50% APR*	$44.11

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

Energy Efficiency & Fuel Loans

Loan Type	Term	Maximum Loan Amount	Annual Percentage Rate	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

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	Annual Percentage Rate	Payment Per $1,000
$500	$1,000	6 Months	12 Months	5.25% APR*	$85.68

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.