Loan Specials

OIP

Energy Loan Special

Borrow up to $1200.00 for up to 12 months @ 4.00% to purchase heating oil, wood pellets, wood/pellet stove, etc. Special runs from October 2020 until March 2021.

Covid-19 Loan

COVID-19 Loan Special

At Monmouth, we understand that our members may need support during this difficult time. We are offering a loan special, please contact Charlene Brown cbrown@monmouthfcu.com for more details!  

Car truck loan special

Refinance Auto Loan Special

Bring Us Your Auto Loan from Another Institution!

recreational loans

Recreational Loan Special

Rates as low as 3.75% APR*

*APR based on your credit score. Advertised APR for qualifying members. Rates subject to change.

Loan Rates

Rates Effective 01/01/2021

New & Used Autos - 2015 & Newer

Term Interest Rate Annual Percentage Rate*** Payments per $1000 Per Month of Repayment
12 Month as low as 3.24% 3.24% $84.80
24 Months as low as 3.24% 3.24% $43.20
36 Months as low as 3.24% 3.24% $29.14
48 Months as low as 3.24% 3.24% $22.36
60 Months as low as 3.24% 3.24% $17.96
72 Months* as low as 3.49% 3.49% $15.42
84 Months** as low as 3.75% 3.75% $13.56

*72 Month Term only available for autos 2016 & newer.
**84 month term only available to autos 2019 & Newer that have less than 30,000 miles. Minimum to finance $25,000
***100% Financing available for qualified applicants. Annual Percentage Rate based on a credit score of 750 or higher. Your individual loan rate will be based on your personal financial situation and previous credit performance.

Used Autos 2010 - 2014

Term Interest Rate Annual Percentage Rate Payments per $1,000 per Month of Repayment
48 Months as low as 4.50% 4.50% $22.81

Maximum Loan to Value of 90%
Must add GAP if financing over MSRP or NADA

Used Autos - 2009 & Older

2009 and older will be financed at the unsecured rate.

Recreational Vehicles

Boats, Motorcycles, RVs, Snowmobiles, etc.

Term Interest Rate Annual Percentage Rate Payments per $1,000 per Month of Repayment
12 months as low as 4.00% 4.00% $85.15
24 months as low as  4.00% 4.00% $43.43
36 months as low as 4.00% 4.00% $29.53
48 months as low as 4.00% 4.00% $22.58
60 months as low as 4.00% 4.00% $18.42
72 months as low as 4.00% 4.00% $15.88
84 months as low as 4.50% 4.50% $13.90
96 months as low as 4.50% 4.50% $12.43
108 months as low as 4.50% 4.50% $11.28
10+ YEARS as low as 6.50% 6.50% $11.36

Unsecured Loans

Term Interest Rate Annual Percentage Rate Payments per $1,000 per Month of Repayment
12 months as low as 9.00% 9.00% $87.45
24 months as low as 9.00% 9.00% $45.68
36 months as low as 9.00% 9.00% $31.80
48 months as low as 9.50% 9.50% $25.13
60 months as low as 9.50% 9.50% $21.01

Home Equity

Type Interest Rate Annual Percentage Rate
Variable  Prime + 0   Prime + 0

Home equity loan products are only available on primary residences in the state of Maine. Within a 50 mile radius
Consult your tax advisor regarding the deductibility of interest.

Applying is Easy!

Ready to get financing? Call Charlene at (207) 933-2667 or apply online now!