Rates

Current Rates

Loan Rates

 

VISA Credit Cards:

13.90% APR
Balance Transfer: 6.95% APR* for the life of the balance transferred.

 
*Annual Percentage Rate

Apply for Loan Apply for a Visa 


Credit Tiers

Credit Score Tier               
680+ Tier I
600-679 Tier II
599 or less Tier III

Effective 12/17/2015

All Loans: Rates subject to change daily. Rates are subject to credit score.
Percentages below are listed as APR - Annual Percentage Rate.

Auto & Titled Motorcycle Loan Rates

Credit Tier Up to 36 MO. 48 MO 60 Mo. 72 Mo. 84 Mo.
Tier I 2.60% 2.75% 2.75% 2.99% 3.95%
Tier II 3.60% 3.75% 3.75% 3.99% 4.95%
Tier III 7.60% 7.75% 7.75% 7.99%  
Rates effective 06/29/2017
 

Example of a typical new vehicle loan: 60 monthly payments of $269.22 based on a $15,000 loan, at 2.95% which equals to $17.95 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.

Auto & Titled Motorcycle  Loan Terms

2017-2016 84 Mos Minimum Loan Amt. $25,000 (Tier I & II only)
2017-2014 72 Mos.  Term Extension not available
2013-2011 60 Mos  
2010-2008 48 Mos  
2007-2005 36 Mos  
2004-2002 24 Mos  Add 3.00% to auto loan rate. Add 1.00% for high mileage

 

Term extensions may be considered with a .50% loan rate increase for every 6 months added to the original term rate.

 

Other Secured 

Non-Titled Motorcycle, Snowmobile, Jet Ski, Utility Trailer, Motor Home, Camper and Boat Loan Rates

Credit Tier Up to 36 Months 48 Mo. 60 Mo. 72 Mo. 84 Mo. 120 Mo. 144 Mo. 180 Mo.
Tier I 2.60% 2.75% 2.75% 2.99% 3.95% 4.50% 5.25% 5.49%
Tier II 3.60% 3.75% 3.75% 3.99% 4.95% 5.50% 6.25% 6.49%
Tier III 7.60% 7.75% 7.75% 7.99%        

Rates effective 06/29/2017

Example of a typical recreational vehicle loan: 60 monthly payments of $267.50 based on a $15,000 loan, at 2.69% which equals to $17.83 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.

Term extensions may be considered with a .50% loan rate increase for every 6 months added to the original term rate.

Non-Titled Motorcycle, Snowmobile, Jet Ski ATV, and Utility Trailer Loan Terms

2017-2015 72 Mo
2014-2013 60 Mo
2012-2011 48 Mo
2010-2009 36 Mo
2008-2006 24 Mo
2005-2004 24 Mo (add 3% to rate)

 

Motor Home, Camper and Boat Loan Terms

2017-2016 180 Mo (Minimum Loan Amount $35,000 Tier I & II Only)
2017-2016 144 Mo (Minimum Loan Amount $30,000 Tier I & II Only)
2017-2014 120 Mo (Minimum Loan Amount $25,000 Tier I & II Only)
2013-2012 84 Mo
2011-2010 72 Mo
2009-2008 60 Mo
2007-2006 48 Mo
2005-2004 36 Mo (add 3% to rate)

 

Tractor Loan Guidelines (personal use only)

Loan Amount Maximum Term             
$500 to $2,999 24 Mo
$3,000 to $5,999 36 Mo
$6,000 to $9,999 48 Mo
$10,000 to $14,999 60 Mo
$15,000 to $25,000 72 Mo

 

Unsecured Loans

 
Credit Tier 12 Mo. 24 Mo. 36 Mo. 48 Mo. 60 Mo.
Tier I 9.40% 9.90% 10.15% 10.40% 11.40%
Tier II 10.40% 10.90% 11.15% 11.40% 12.40%
Tier III 12.40% 12.90% 13.15% 13.40% 14.40%

 

Example of a typical Signature/ Personal loan: 36 monthly payments of $485.06 based on a $15,000 loan, at 10.15% which equals to $32.34 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score. 

Lifestyle Line of Credit Loan

Effective 06/15/2017 

Tier I & II- Rate of 11.25%

 

Rate based on Wall Street Prime 4.25% + 7.00% = 11.25%. WSP as of 06/15/2017 is 4.25%.
The Periodic Rate is 0.03082%


 

Home Fuel/ Energy Efficiency Loans

 
Loan Type Rate Term Max Loan Amount
Home Fuel 3.40% 12 Mo. $3,000
Energy Efficiency 3.90% 24 MO $5,000
Energy Efficiency 4.40% 36 MO $5,000

 

Example of a typical Home Fuel loan: 12 monthly payments of $254.63 based on a $3,000 loan, at 3.40% which equals to $84.88 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score. 

 

Technology Loan

Credit Tier Rate
Tier I 3.65%
Tier II 5.15%
Tier III 7.15%

Maximum loan amount $2,000 with a maximum term of 12 months

Example of a typical technology loan: 12 monthly payments of $254.63 based on a $1,000 loan, at 3.65% which equals to $84.99 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score. 


Credit Builder Loan

Loan Amt $500-$1000

Interest rate 5.15% APR

Term
6 -12 mo.

Available to members with no credit score or credit scores of 599 or lower.

 Example of a typical new vehicle loan: 12 monthly payments of $85.68 based on a $1,000 loan, at 5.15% which equals to $85.68 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score.

Mortgage Rates:

 

First Mortgages

Effective 03/09/2017 

Rates are subject to change every minute. Rates will be updated on website weekly. Check back often.  80% Loan-to-Value
* Annual Percentage Rate.  APR based on loan amount of $100,000;0 points; 10 days prepaid interest

 Terms  Rates  APR*
 1 Year - 5 Years 3.250% 3.292%
 5+ Years - 10 Years 3.250% 3.272%
 10+ Years - 15 Years 3.375% 3.391%
 20 Years 3.875% 3.889%
 30 Years 4.125%  4.136%

Example of a Mortgage loan without Annual Taxes or Insurance: 180 monthly payments of $709.54 based on a $100,000 loan, at 3.391% which equals to $7.10 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score. 

Second Mortgages

Effective 01/10/2017 

Rates are subject to change daily. 

80% Loan-to-Value

* Annual Percentage Rate

 Terms  Rates  APR*
 1 year - 5 years 4.500% 4.506%
 5+ years - 10 years 5.000% 5.003%
 10+ years - 15 years 5.500% 5.502%

85% Loan-to-Value

*Annual Percentage Rate

 Terms  Rates  APR*
1 year - 5 years 4.750% 4.756%
5+ years - 10 years 6.000% 6.003%
10+ years - 15 years 6.250% 6.252%

Construction Loans

Effective 01/10/2017 

Rates are subject to change daily. 

80% Loan-to-Value

* Annual Percentage Rate

 Terms  Rates  APR*
 15 Yr  5.500%  5.803%
 20 Yr  5.750%  5.992%
 30 Yr  5.750%  5.931%

$500 Construction fee for mobile homes, $1000 Construction fee for other homes

Example of a Construction loan without Annual Taxes or Insurance: 180 monthly payments of $833.25 based on a $100,000 loan, at 5.803% which equals to $8.33 per thousand. Your payment will vary due to amount, term and interest rate. Other rates and terms available. Membership eligibility required, including $25 minimum share account balance. Fixed interest rates based on credit score. 


Home Equity Line of Credit

Effective 04/01/2017

Our Home Equity Loan is a variable rate of Prime Minus .25% for the life of the loan.  The rate is adjusted monthly based on Prime as shown in the Wall Street Journal. The prime rate is 4.25% APR* as of 07/01/17. Hazard Insurance is required. Flood insurance is required where necessary. Please consult your tax adviser for deductibility of interest and charges. We will lend up to 85% of the appraised value of your home, minus first mortgage. $5,000 minimum for line of credit. Maximum APR* is 18.0%.
* Annual Percentage Rate 

Savings Rates

Truth-in-Savings Account Disclosure 


Share Accounts

Effective 01/10/2017 

Account Type Dividend Rate  APY*  Min. Opening Deposit**
 Shares  0.10%  0.10% $25
 Insured Shares  0.00%  0.00% $25
 Club Accounts  0.10%  0.10% $0
 Health Savings Accounts  0.25%  0.25% $0
Monty Moose Accounts
 0.10%  0.10% $25
  • *Annual Percentage Yield
  • **Minimum Opening balance / Minimum required balance to earn APY
  • Rates subject to change after account opening at any time without notice.

Money Market Accounts

Effective 07/01/2017

 Account Type
Dividend Rate  APY*  Min. Opening Deposit**
 < $10,000  0.30%  0.30% $2,500
 $10,000+  0.35%  0.35% $2,500
 $25,000+  0.40%  0.40% $2,500
 $50,000+  0.45%  0.45% $2,500
  • *Annual Percentage Yield
  • **Minimum Opening balance / Minimum required balance to earn APY
  • Rates subject to change after account opening at any time without notice.

Share Certificates of Deposit

Effective 06/29/2017 

 Account Type Dividend Rate  APY*  Min. Opening Deposit**
 6 Month Certificate
 0.65%  0.65%  $500
 1 Year Certificate  1.05%  1.06%  $500
 2 Year Certificate  1.30%  1.31%  $500
 3 Year Certificate  1.50%  1.51%  $500
 4 Year Certificate  1.90%  1.92%  $500
 5 Year Certificate  2.10%  2.12%  $500

* Annual Percentage Yield
**Minimum Opening balance / Minimum Required Balance to earn APY

We may impose a substantial penalty if you withdraw any of the principal before the maturity date. For Certificates of less than 24 months duration the penalty is an amount equal to 90 days Dividends, whether earned or not. For Certificates of 24 months or more duration, the penalty is an amount equal to 180 days of interest whether earned or not.

Certificates renew automatically with a 7-day grace period during which withdrawals may be made without penalty.


Individual Retirement Accounts (IRA)

Effective 06/29/2017

 Account Type
 Dividend Rate 
 APY*  Min. Opening Deposit** 
 IRA 1 Year Certificate
1.05% 1.06% $1,000
 IRA 2 Year Certificate
1.30% 1.31% $1,000
 IRA 3 Year Certificate
1.50% 1.51% $1,000
IRA 4 Year Certificate
1.90% 1.92% $1,000
IRA 5 Year Certificate
2.10% 2.12% $1,000
IRA Variable
0.30% 0.30% $25
IRA Variable
0.35% 0.35% $10,000+
IRA Variable
0.40% 0.40% $25,000+
IRA Variable
0.45% 0.45% $50,000+

*Annual Percentage Yield

**Minimum Opening balance / Minimum required balance to earn APY

  • Variable rates subject to change after account opening at any time without notice.
  • Withdrawals prior to age 59 1/2 may be penalized 10% by the IRS. 
image
NCUA     Equal Housing Lender

Your savings federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

About Us

Contact Us
  • Address: 555 Sabattus St., Lewiston, ME 04240
  • Branch Locations
  • Phone: 207-783-2071
  • Routing #: 211287913
Search

Search the website by entering your search terms below.

© 2016 Maine Family Federal Credit Union. All rights reserved. | Web Design by Avtec Media