Auto Loans · Portland, Maine
4 credit unions in Portland report car loan rates to the NCUA. Rates range from 4.74% to 5.74%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.74%
Lowest New Car Rate
5.18%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | CPORT ★ 4.6 · 219 reviews | 4.74% | 4.49% |
| 2 | TRUCHOICE ★ 4.2 · 71 reviews | 4.75% | 5.36% |
| 3 | MAINE MEDIA ★ 4.0 · 1 reviews | 5.50% | 6.00% |
| 4 | EVERGREEN ★ 3.9 · 53 reviews | 5.74% | 6.24% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | CPORT ★ 4.6 · 219 reviews | 4.49% | 4.74% |
| 2 | TRUCHOICE ★ 4.2 · 71 reviews | 5.36% | 4.75% |
| 3 | MAINE MEDIA ★ 4.0 · 1 reviews | 6.00% | 5.50% |
| 4 | EVERGREEN ★ 3.9 · 53 reviews | 6.24% | 5.74% |
A pre-approval from a Portland credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Portland in the same window and take the best offer.
See member reviews, branch locations, and full rate details.