Personal Loans · Maine
48 credit unions in Maine report personal loan rates to the NCUA. Rates range from 6.00% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
48
CUs Reporting Rates
6.00%
Lowest Rate
11.70%
State Average Rate
36
Cities Covered
48 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | ANCORUM Bath | 6.00% | 11.25% |
| 2 | MILESTONES Lewiston | 7.99% | 13.90% |
| 3 | TRADEMARK Augusta | 8.69% | 12.25% |
| 4 | EASTMILL EAST MILLINOCKE | 8.88% | 9.90% |
| 5 | WINTHROP AREA WINTHROP | 9.00% | 11.50% |
| 6 | FRANKLIN-SOMERSET MADISON | 9.25% | — |
| 7 | CASCO Gorham | 9.30% | 11.53% |
| 8 | LINCOLN MAINE LINCOLN | 9.49% | 7.99% |
| 9 | OTIS Jay | 9.75% | 9.90% |
| 10 | UNIVERSITY Orono | 9.99% | 11.49% |
| 11 | MAINE FAMILY Lewiston | 10.00% | 13.90% |
| 12 | CENTRAL MAINE Lewiston | 10.00% | 9.90% |
| 13 | MAINE MEDIA PORTLAND | 10.00% | — |
| 14 | BANGOR Bangor | 10.25% | 9.15% |
| 15 | SACO VALLEY Saco | 10.48% | 7.32% |
| 16 | DOWNEAST Baileyville | 10.63% | 13.23% |
| 17 | CUMBERLAND COUNTY Falmouth | 10.65% | 17.75% |
| 18 | DIRIGO Lewiston | 10.85% | 5.95% |
| 19 | KATAHDIN Millinocket | 10.87% | 13.41% |
| 20 | CPORT Portland | 10.99% | — |
| 21 | SEBASTICOOK VALLEY PITTSFIELD | 11.25% | 9.90% |
| 22 | COAST LINE South Portland | 11.49% | — |
| 23 | MAINE SAVINGS Hampden | 11.50% | 10.99% |
| 24 | CAPITAL AREA Augusta | 11.59% | 11.30% |
| 25 | PEOPLESCHOICE Biddeford | 11.69% | 11.58% |
| 26 | TOWN & COUNTRY SOUTH PORTLAND | 11.74% | 8.90% |
| 27 | SEABOARD BUCKSPORT | 11.90% | 12.90% |
| 28 | ACADIA FORT KENT | 11.90% | 10.90% |
| 29 | NORSTATE Madawaska | 11.90% | 10.90% |
| 30 | THE COUNTY Presque Isle | 11.95% | 11.31% |
| 31 | LISBON COMMUNITY Lisbon | 11.99% | 9.81% |
| 32 | EVERGREEN Portland | 11.99% | 8.99% |
| 33 | SABATTUS REGIONAL Sabattus | 12.10% | — |
| 34 | CONNECTED AUGUSTA | 12.26% | 11.99% |
| 35 | MAINE STATE Augusta | 12.99% | 14.90% |
| 36 | MAINE HIGHLANDS Dexter | 12.99% | 13.90% |
| 37 | MAINE SOLUTIONS SOUTH PORTLAND | 13.00% | — |
| 38 | KSW WATERVILLE | 13.27% | 8.50% |
| 39 | TRUCHOICE PORTLAND | 13.49% | 12.68% |
| 40 | K V Augusta | 13.50% | 11.90% |
| 41 | GREAT FALLS REGIONAL Lewiston | 13.50% | — |
| 42 | ATLANTIC REGIONAL South Portland | 13.75% | 2.49% |
| 43 | NEW DIMENSIONS Waterville | 14.11% | — |
| 44 | COMMUNITY Lewiston | 14.75% | 13.90% |
| 45 | BREWER BREWER | 15.99% | 13.99% |
| 46 | GARDINER Gardiner | 16.00% | 9.90% |
| 47 | MIDCOAST Freeport | 17.99% | 12.99% |
| 48 | OXFORD MEXICO | 18.00% | 6.90% |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.