Loan Rates

New/Used Autos
Used/Used Autos
ATVs, Snowmobiles, Tractors Motorcycles, Boats, Trailers
Unsecured LeCheque Mate
Certificate Secured Share Secured
Mortgages One Payment Notes
Land
Manufactured Housing
Home Improvement Home Equity
Unsecured Student Loans

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Autos 

New/Used Autos (Rates As Low As)

Term

Rate

Payments per $1,000 per month of repayment
1 year
2.60% APR*
$84.51
2 years
2.60% APR*
$42.80
3 years
2.60% APR*
$28.91
4 years
2.85% APR*
$22.07
5 years
2.85% APR* $17.91
6 years**
3.10% APR*
$15.24
7 years**
3.75% APR*
$13.56

A 0.10% Discount is available for members with auto pay and a CCU Checking Account.
Collateralized Loans require full coverage insurance.
Rates are subject to change without notice.
*APR = Annual Percentage Rate
**Loan Amount must be $25,000 or greater.
New/Used Auto rates apply to 2005-current model years.

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Auto Term Guide

  • Not actual mileage, add 2.00% APR*
  • Salvage Vehicles, add 2.50% APR* (100% financing not available)
  • Auto loans may qualify for financing up to 120% of retail value to include sales tax and documentation fees and back end including GAP and Service Contracts.

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Other Secured

Motorcoaches, RV's, Boats and Travel Trailers (Rates As Low As)

Term
Rate
Payments per $1,000 per month of repayment
1 year
3.25% APR*
$84.81
2 years
3.25% APR*
$43.10
3 years
3.25% APR*
$29.20
4 years
3.50% APR*
$22.36
5 years
3.50% APR*
$18.20
6 years
3.50% APR*
$15.42
7 years
4.00% APR*
$13.67
10 years
4.25% APR*
$10.25
12 years
4.25% APR*
$8.88
15 years
4.50% APR*
$7.66

A 0.10% Discount is available for members with auto pay and a CCU Checking Account. Rates are subject to change.
Collateralized Loans require full coverage insurance.
* APR = Annual Percentage Rate

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ATVs, Motorcycles, Snowmobiles, Lawn Tractors (Rates As Low As)

Term Rate
Payments per $1,000 per month of repayment
1 year
3.25% APR*
$84.81
2 years
3.25% APR*
$43.10
3 years
3.25% APR*
$29.20
4 years
3.50% APR*
$22.36
5 years
3.50% APR*
$18.20
6 years**
3.50% APR*
$15.42

0.10% Discount is available for members with auto pay and a CCU Checking Account.
Collateralized Loans require full coverage insurance.
Rates are subject to change. 
* APR = Annual Percentage Rates

**2016 Untitled Motorcycle units may go up to 72 months. 

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Manufactured Housing

In a Park (Rates As Low As)

Rates change daily. Contact a Loan Officer for current rates.

Rates are subject to change.
*APR = Annual Percentage Rate
Down-payment may be required to purchase real estate.
Homeowners insurance required. Flood insurance required when necessary. 

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Singlewide (Rates As Low As)

Rates change daily. Contact a Loan Officer for current rates.

Rates are subject to change.
*APR = Annual Percentage Rate
Downpayment may be required to purchase real estate.
Homeowners insurance required. Flood insurance required when necessary.

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Mortgages

1st Mortgages (Rates As Low As)

Rates change daily. Contact a Loan Officer for current rates.

Community Credit Union partners with CUSO Mortgage.
Click here for Secondary Market Mortgage Rates + CU Promise.

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Land Loans (Rates As Low As)

Term Rate Payments per $1,000 per month of repayment Downpayment
10 Years 4.50% APR* $10.37
0 pts, 20% down^

Rates are subject to change.
*APR = Annual Percentage Rate
^Downpayment may be required to purchase real estate. The Credit Union may lend up to 80% of the appraised value or cash selling price, whichever is less.

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Land and Manufactured Housing (Rates As Low As)

Rates change daily. Contact a Loan Officer for current rates.

Rates are subject to change.
*APR = Annual Percentage Rate
^Downpayment may be required to purchase real estate. The Credit Union may lend up to 80% of the appraised value or cash selling price, whichever is less.
Refinancing from other institutions is available.
Hazard insurance required. Homeowners insurance required.
Flood insurance required where necessary.
Excludes manufactured home and land primary residence, 1-4 family, owner occupied to qualified borrower only.

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Home Equity Loans

Prime + 0% APR*
Rate will be adjusted quarterly

Rates are subject to change.
*APR = Annual Percentage Rate
Downpayment may be required to purchase real estate.
Refinancing from other institutions is available. Hazard insurance required.
Homeowners insurance required. Flood insurance required where necessary.
Excludes manufactured home and land primary residence, 1-4 family, owner occupied to qualified borrower only.

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Home Improvement Loans

Fixed Rate Home Improvement (Rates As Low As)

Term Rate Payments per $1,000 per month of repayment
5 Years 4.25% APR* $18.54
7 Years 4.95% APR* $14.12
10 Years 5.25% APR* $10.74
15 Years 5.50% APR* $8.18

Rates are subject to change.
* APR = Annual Percentage Rate
Homeowners insurance required. Flood insurance required when necessary.

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Unsecured Loans (Rates As Low As)

Term Rate Payments per $1,000 per month of repayment
1 Year 3.99% APR* $85.14
2 Years 9.00% APR* $45.69
3 Years 9.00% APR* $31.81
4 Years 10.25% APR* $25.49
5 Years 11.50% APR* $21.99

Rates are subject to change.
* APR = Annual Percentage Rate

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Unsecured Student Loans (Rates As Low As)

Term Rate Payments per $1,000 per month of repayment
1 Year 9.00% APR* $87.47
2 Years 9.00% APR*
$45.69
3 Years 9.00% APR* $31.81
4 Years 10.25% APR* $25.49
5 Years 11.50% APR* $21.99

Rates are subject to change.
* APR = Annual Percentage Rate
Maximum loan amount is $10,000.
Loans go into repayment 30 days from disbursement date.

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Share Secured Loans (Rates As Low As)

Term Rate
1 Year 3.10% APR*
2 Years 3.10% APR*
3 Years 3.60% APR*
4 Years 3.60% APR*
5 Years 3.60% APR*

Rates are subject to change.
* APR = Annual Percentage Rate

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Certificate Secured

Certificate Secured (Rates As Low As)

Term Rate
6 Months 3.80% APR*
1 Year 4.20% APR*
2 Years 4.90% APR*
3 Years 5.10% APR*
4 Years 5.50% APR*
5 Years
 5.65% APR* 

Rates are subject to change. 

* APR = Annual Percentage Rate

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One Payment Notes

Secured (Rates As Low As)

Term Rate
12 Months 5.50% APR* 

Rates are subject to change.
* APR = Annual Percentage Rate

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Unsecured (Rates As Low As)

Term Rate
12 Months 8.50% APR*

Rates are subject to change.
* APR = Annual Percentage Rate 

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Business Purpose Loans (Rates As Low As)

Rates change daily. Contact a Loan Officer for current rates.

Rates are subject to change.
*APR = Annual Percentage Rate

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Le Cheque Mate Overdraft Protection Line of Credit

Prime + 6.75% APR*
Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal. 

Rates are subject to change.
*APR = Annual Percentage Rate

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Disputes 

If you have a dispute with Community Credit Union regarding your deposit or share account, you may contact us at 207.783.2096 and attempt to resolve the problem directly. If we fail to resolve the problem, please communicate the problem and resolution you are seeking to:

Maine Bureau of Financial Institutions
Consumer Outreach Program
36 State House Station
Augusta, ME 04333-0036

To file a complaint electronically, you may contact the Maine Bureau of Financial Institutions at http://www.maine.gov/pfr/financialinstitutions/complaint.htm

The Maine Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.