Looking for a low interest rate?
| Loan Term | APR* as low as | Model Year |
|---|---|---|
|
2 to 6 Years
|
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2020 - New |
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2 to 6 Years
|
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2017 - 2019 |
|
3 Years
|
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2014 - 2016 |
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4 to 5 Years
|
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2014 - 2016
|
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7 Years
|
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2020 - New
|
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Tractors only
7 years 84 months |
|
2020 - New Tractors
|
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Tractors only
7 years, 1 month - 10 years 85 - 120 months |
|
New
|
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
|
|
2020 - New |
|
2 to 5 Years
|
|
2008 - 2019 |
|
6 Years
|
|
2020 - New |
|
6 Years
|
|
2008 - 2019 |
|
7 Years
|
|
2020 - New
|
|
7 Years
|
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2008 - 2019
|
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7 years, 1 month to 10 years
|
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2020 - New
|
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7 years, 1 month to 10 years
|
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2008 - 2019
|
|
11 to 12 Years
|
|
New 2024/25 only
|
Rates effective as of: August 30, 2025
* 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 |
Rates effective as of: August 30, 2025
* 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.
| 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: August 30, 2025
* 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: August 30, 2025
* 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: August 30, 2025
One rate for all risk ratings
* Annual Percentage Rate
| Loan Type | APR | Term |
|---|---|---|
|
Share or Club Secured |
|
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|
Certificate Secured |
|
|
Rates effective as of: August 30, 2025
* 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: August 30, 2025
* 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.) |
|
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15 Years** (180 mos.) |
|
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20 Years (240 mos.) |
|
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30 Years (360 mos.) |
|
|
Rates effective as of: August 30, 2025
* 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: August 30, 2025
*Promotional rate thru 10/31/2025. Please see "Shoot for the Stars" promo page for full details and disclosures. 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: August 30, 2025
| Loan Term | APR* | Payback |
|---|---|---|
|
Home Equity Zero* |
|
|
Rates effective as of: August 30, 2025
*Promotional rate thru 10/31/2025. Please see "Shoot for the Stars" promo page for full details and disclosures. Note: For mobile homes on leased land, please refer to new and used mobile home rates.
*Interest subject to change on a quarterly basis after 10/31/2025 promotional period.
| Loan Term | 10% Down |
|---|---|
|
10 Years (120 mos.) |
|
|
15 Years (180 mos.) |
|
|
20 Years (240 mos.) |
|
Rates effective as of: August 30, 2025
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: August 30, 2025
Note: Includes mobile homes on leased land - no real estate.
| Account Type | Dividend Rate | APY* |
|---|---|---|
|
Prime Savings |
|
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Custom Savings |
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Monty Moose |
|
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Christmas Club |
|
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Super Saver Tier I
|
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Super Saver Tier II
|
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Acadia Star Money Market Tier 1
|
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Acadia Star Money Market Tier 2
|
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Acadia Star Money Market Tier 3
|
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Acadia Star Money Market Tier 4
|
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Health Savings Account (HSA) |
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HSA Super Saver Tier 1
|
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|
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HSA Super Saver Tier 2
|
|
|
Rates effective as of: August 30, 2025
*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. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yields, which vary depending on the balance in the account, are shown for each tier.
| Account Type | Dividend Rate | APY* |
|---|---|---|
|
Advantage Checking |
|
|
|
Free4ME Checking |
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HSA Checking |
|
|
Rates effective as of: August 30, 2025
*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: August 30, 2025
*APY = Annual Percentage Yield. All rates are subject to change without notice.
† When qualification requirements are met
Open Account
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