Looking for a low interest rate?
| Loan Term | APR* as low as | Model Year |
|---|---|---|
|
2 to 6 Years
24 to 72 months |
|
2021 - New |
|
2 to 6 Years
24 to 72 months |
|
2018 - 2020 |
|
3 Years
36 months |
|
2015 - 2017 |
|
4 to 5 Years
48 to 60 months |
|
2015 - 2017
(Min $12k) |
|
7 Years
84 months |
|
2021 - New
(Min $30k) |
|
Tractors only
7 years 84 months |
|
2021 - New Tractors
(Min $20k) |
|
Tractors only
7 years, 1 month - 10 years 85 - 120 months |
|
New
(Min $20k) |
Untitled recreational vehicles not to exceed term of 5 years if not new.
* Annual Percentage Rate
* All loans subject to approval
* APR determined by credit score
* Rates depicted based on A+ credit
| Loan Term | APR* as low as | Model Year |
|---|---|---|
|
2 to 5 Years
24 to 60 months |
|
2021 - New |
|
2 to 5 Years
24 to 60 months |
|
2009 - 2020 |
|
6 Years
72 months |
|
2021 - New |
|
6 Years
72 months |
|
2009 - 2020 |
|
7 Years
84 months |
|
2021 - New
(Min $10k) |
|
7 Years
84 months |
|
2009 - 2020
(Min $10k) |
|
7 years, 1 month to 10 years
85 - 120 months |
|
2021 - New
(Min $30k) |
|
7 years, 1 month to 10 years
85 - 120 months |
|
2009 - 2020
(Min $30k) |
|
11 to 12 Years
132 - 144 months |
|
New 2025/26 only
(Min $30k) |
Rates effective as of: March 1, 2026
* Annual Percentage Rate
* All loans subject to approval
* APR determined by credit score
* Rates depicted based on A+ credit
* 100% NADA max for used
| Loan Term | APR* as low as | Loan Amount |
|---|---|---|
| 2 Years |
|
Up to $15,000 |
| 3 Years |
|
Up to $15,000 |
| 4 Years |
|
Up to $15,000 |
| 5 Years |
|
Up to $15,000 |
| Heating & Cooling |
|
Varies |
| Score Saver Loan |
|
$1,000 |
| Cash for Christmas (Seasonal) |
|
Up to $3,000 |
*Annual Percentage Rate, all loans subject to approval. Borrow up to $15,000 if you have A or B credit; up to $10,000 for C and D credit; must borrow a minimum of $5,000 for a 5-year loan. Advertised rate is for "A" credit - rate determined by credit score. Specialty loans including Heating & Cooling, Score Saver, and Cash for Christmas terms are subject to approval and some restrictions apply. Cash for Christmas loans are only available during the promotional period, typically part of October, November, and December.
| Loan Type | APR* as low as | Term |
|---|---|---|
| Heating & Cooling Loans |
|
12-Month Fuel / Up to five years for system upgrades* |
| Score Saver Loan |
|
$1,000 / 12-month minimum* |
| Christmas Loans (Seasonal) |
|
$2,000 max / Up to 12 months* |
Rates effective as of: March 1, 2026
* Annual Percentage Rate
* All loans subject to approval
* APR determined by credit score
* Rates depicted based on A/B credit
| APR* as low as | Credit Limit** |
|---|---|
|
|
$15,000 |
Rates effective as of: March 1, 2026
* Annual Percentage rate, subject to approval and determined by credit score
** Credit limit up to $15,000 for A and B credit; up to $10,000 for C and D credit
* 10.90% APR depicted here based on 'A' credit (maximum APR 15.90%)
| APR* | Credit Limit* |
|---|---|
|
|
Subject to approval |
Rates effective as of: March 1, 2026
One rate for all risk ratings
* Annual Percentage Rate
| Loan Type | APR | Term |
|---|---|---|
| Share or Club Secured |
|
|
| Certificate Secured |
|
|
Rates effective as of: March 1, 2026
* All loans subject to approval - restrictions may apply
We are proud to offer loans throughout northern and eastern Maine. Have a question? Just reach out!
| Loan Term | 10% Down, As Low As* | 20% Down, As Low As* |
|---|---|---|
| 1 Year Lock - 10% Down |
|
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| 3 Year Lock - 10% Down |
|
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| 5 Year Lock - 10% Down |
|
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| 7 Year Lock - 10% Down |
|
|
Rates effective as of: March 1, 2026
* Actual rate determined by credit score
Note: For mobile homes on leased land, please refer to new and used mobile home rates.
| Loan Term | 10% Down, As Low As* | 20% Down, As Low As* |
|---|---|---|
| 10 Years** (120 mos.) |
|
|
| 15 Years** (180 mos.) |
|
|
| 20 Years (240 mos.) |
|
|
| 30 Years (360 mos.) |
|
|
Rates effective as of: March 1, 2026
* Actual rate determined by credit score
** Maximum term on land is 15 years
Note: For mobile homes on leased land, please refer to new and used mobile home rates.
| Loan Term | APR* | Payback |
|---|---|---|
| 3 Year Lock |
|
|
Rates effective as of: March 1, 2026
Note: For mobile homes on leased land, please refer to new and used mobile home rates.
| Loan Type | Loan Term | 10% Down | 20% Down |
|---|---|---|---|
| Home Equity X | 10 Years |
|
|
| Home Equity XV | 15 Years |
|
|
| Home Equity XX | 20 Years |
|
|
Rates effective as of: March 1, 2026
| Loan Term | APR* | Payback |
|---|---|---|
| Home Equity Zero* |
|
|
Rates effective as of: March 1, 2026
Note: For mobile homes on leased land, please refer to new and used mobile home rates.
| Loan Term | 10% Down |
|---|---|
| 10 Years (120 mos.) |
|
| 15 Years (180 mos.) |
|
| 20 Years (240 mos.) |
|
Rates effective as of: March 1, 2026
Note: Includes mobile homes on leased land - no real estate.
| Loan Term | 10% Down |
|---|---|
| 5 Years (60 mos.) |
|
| 8 Years (96 mos.) |
|
| 10 Years (120 mos.) |
|
| 15 Years (180 mos.) |
|
Rates effective as of: March 1, 2026
Note: Includes mobile homes on leased land - no real estate.
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Prime Savings |
|
|
| Custom Savings |
|
|
| Monty Moose |
|
|
| Christmas Club |
|
|
|
Super Saver Tier I
($1,000 - $99,999.99) |
|
|
|
Super Saver Tier II
($100,000+) |
|
|
|
Acadia Star Money Market Tier 1
($2,500 - $49,999.99) |
|
|
|
Acadia Star Money Market Tier 2
($50,000 - $99,999.99) |
|
|
|
Acadia Star Money Market Tier 3
($100,000 - $199,999.99) |
|
|
|
Acadia Star Money Market Tier 4
($200,000+) |
|
|
| Health Savings Account (HSA) |
|
|
|
HSA Super Saver Tier 1
($1,000 - $99,999.99) |
|
|
|
HSA Super Saver Tier 2
($100,000+) |
|
|
Rates effective as of: March 1, 2026
*APY = Annual Percentage Yield. All rates are subject to change without notice.
†When qualification and minimum balance requirements are met
**Super Saver, Acadia Star Money Market, and HSA Super Saver accounts are compounded daily and credited monthly. These are “Tiered Rate” accounts. The dividend rate is based on the tier for which the balance qualifies and applies to the entire account balance.
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Advantage Checking |
|
|
| Free4ME Checking |
|
|
| HSA Checking |
|
|
Rates effective as of: March 1, 2026
*APY = Annual Percentage Yield. All rates are subject to change without notice.
†When qualification requirements are met
| Individual Retirement Account (IRA) Type | Dividend Rate | APY* |
|---|---|---|
| Traditional IRA |
|
|
| Roth IRA |
|
|
| Coverdell Educational Savings Account |
|
|
| Simplified Employee Pension (SEP) |
|
|
Rates effective as of: March 1, 2026
*APY = Annual Percentage Yield. All rates are subject to change without notice.
† When qualification requirements are met
Open Account
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Upcoming Branch Closures
Friday, March 6, Aroostook County branches close at 12 p.m., Bangor branches close at 2 p.m., and on Saturday, March 7, all branches are closed. See Schedule