Sabattus Regional Credit Union

Sabattus Regional Credit Union

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You are here: Home / Loans / Loan Rates

Loan Rates

Automobile Loans

Rates shown are for 2016 and newer vehicles, subject to maximum terms for vehicle year.
100% Financing available for qualified applicants.
Refinances from other institutions welcomed.
***Ask us about our RATE MATCH program***
84 month term available for 2022 and newer vehicles only, minimum loan amount of $20,000.

TermAnnual Percentage RatePayments Per $1000 Per Month of Repayment
12 MonthsAs low as 4.49%$85.37
24 MonthsAs low as 4.49%$43.64
36 MonthsAs low as 4.49%$29.74
48 MonthsAs low as 4.74%$22.91
60 MonthsAs low as 4.99%$18.87
72 MonthsAs low as 5.24%$16.22
84 MonthsAs low as 5.49%$14.37
Apply for an Auto Loan

Motorcycle, Snowmobile, ATV, & Personal Watercraft Maximum Terms

Refinances from other institutions welcomed.
100% Financing available for qualified applicants.
Annual Percentage Rate based on a credit score of 680 or higher.
84 Month term available to 2021 & newer motorcycles only. $25,000 minimum loan.



Loan AmountMaximum TermAnnual Percentage Rate Payment Per Thousand
$3,000 to $3,99936 MonthsAs low as 5.24%
$30.08
$4,000 to $7,49948 MonthsAs low as 5.49%
$23.25
$7,500 to $12,49960 MonthsAs low as 5.74%
$19.21
$12,500 & up72 MonthsAs low as 5.99%
$16.57
$25,000 & up

84 MonthsAs low as 6.24%$14.72

Recreational Vehicle and Boat Loan Maximum Terms

Refinances from other institutions welcomed.
Annual Percentage Rate based on a credit score of 680 or higher.
20% down required on terms exceeding 84 months.
Boat or RV must be a 2007 or newer model.

Loan AmountMaximum TermAnnual Percentage Rate Payment Per Thousand
$3,000 to $4,99936 MonthsAs low as 5.24%
$30.08
$5,000 to $7,49948 MonthsAs low as 5.49%$23.25
$7,500 to $9,99960 MonthsAs low as 5.74%$19.21
$10,000 to $12,49972 MonthsAs low as 5.99%$16.57
$12,500 to $14,99984 MonthsAs low as 6.24%
$14.72
$15,000 to $19,999120 MonthsAs low as 7.74%
$12.00
$20,000 to $29,999144 MonthsAs low as 8.24%$10.96
$30,000 & up180 MonthsAs low as 9.24%$10.29

Tractor & Equipment Loan Rates and Terms

Refinances from other institutions welcomed.
Annual Percentage Rate based on a credit score of 680 or higher.
Rates shown for new models. Add .50% to rate for used.

Loan AmountMaximum TermAnnual Percentage Rate Payment Per Thousand
$3,000 to $5,99936 MonthsAs low as 6.74%
$30.76
$6,000 to $9,99948 MonthsAs low as 6.99%
$23.94
$10,000 to $12,49960 MonthsAs low as 7.24%
$19.91
$12,500 to $14,99972 MonthsAs low as 7.49%
$17.29
$15,000 & up84 MonthsAs low as 7.74%
$15.46

Unsecured Loans

Unsecured loans are personal loans that are not secured with collateral.
Rates shown for new loans only,

TermAnnual Percentage RatePayments Per $1000 Per Month of Repayment
12 MonthsAs low as 6.99%$86.52
24 MonthsAs low as 8.99%$45.68
36 MonthsAs low as 9.99%$32.26
48 MonthsAs low as 10.99%$25.84
60 MonthsAs low as 11.99%$22.24
72 MonthsAs low as 12.99%$20.07
84 MonthsAs low as 13.99%$18.73
Apply for an Unsecured Loan

Personal Line of Credit

A revolving line of credit that allows eligible borrowers to access funds for personal use.

TermRateAPR*Monthly Payment
RevolvingPrime + 4%11.50% 2.5% of the outstanding balance, or $50.00, whichever is greater.
*Annual Percentage Rate as of 12/15/2022.
1.) No minimum initial advance required.
2.) There is no minimum Annual Percentage Rate (APR) that may be imposed. The maximum APR that may be imposed is 18%.
3.) The Annual Percentage Rate will vary and will be based on the Prime Rate as published in the Wall Street Journal (the “Index”) and will be the rate in effect on the 15th day of the previous month plus four percentage points (4%) (the “Margin”) rounded to the nearest .25%. Interest will be charged from the transaction date.

Overdraft Protection Loan

With an overdraft protection loan, you've got added protection in case of an error in your share draft account. If you've got insufficient funds in your account to cover an item, we will advance you a loan** (in increments of $100.00) so your item will clear.

TermRateAPR*Payment
Revolving12.90%
12.90%6% of outstanding balance or $35.00, whichever is greater.
*Annual Percentage Rate as of 10/31/15
**Subject to available credit.
No minimum initial advance required.
12.90% Fixed APR (Annual Percentage Rate). There is no minimum Annual Percentage Rate that may be imposed.

Home Equity Line of Credit

Use the equity in your home to help send your kids to college, do home repairs, consolidate debt, or even take that vacation you've always dreamed about.
Borrow up to 80% of the appraised value of your home, less any loans on the property.

TermIndex Annual Percentage Rate*Payment
Revolving7.50%
As low as 7.50%**The greater of $50.00 or 1% of the outstanding balance as of last advance.
*Annual percentage rate as of 12/15/2022
**For eligible borrowers with qualified collateral. The rate may vary depending on borrower's credit score.
1. There is no minimum initial advance required.
2. Minimum Annual Percentage Rate (APR) of 3.50%. The maximum APR that may be imposed is 16%.
3. The APR may increase or decrease on the first of each month. The interest rate will equal to the lowest prime rate as published in the Wall Street Journal (the “Index”) plus a "Margin" as low as zero percentage points (0%). The interest rate will change whenever the Index changes. Changes in the interest rate will be calculated by taking the Index figure available on the 15th day of the preceding calendar month and adding to it the Margin stated above. This figure rounded to the nearest .25% will be the new interest rate effective until the next Change Date.

Share Secured Loans

Annual Percentage Rate will be as low as 3.00% over existing dividend rate for share and share certificate to be pledged.

TermAnnual Percentage RatePayments Per $1000 Per
Month of Repayment
12 MonthsAs low as 3.10%$84.74
24 MonthsAs low as 3.10%$43.03
36 MonthsAs low as 3.10%$29.13
48 MonthsAs low as 3.10%$22.18
60 MonthsAs low as 3.10%$18.02
84 MonthsAs low as 4.10%$13.72
120 MonthsAs low as 5.10%$10.66
Apply for a Share Secured Loan

Contact Information

Sabattus Regional Credit Union

2 Middle Road, PO Box 250

Sabattus, ME 04280

Phone: (207) 375-6538 | (800) 503-0434

Fax: (207) 375-8933 -or- (207) 375-8409

Routing number: 211288653

To report your Visa®Card lost or stolen, contact the credit union at (207) 375-6538, or 1-800-472-3272 24 hours a day, 7 days a week.

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Hours of Operation

Monday – Thursday

Lobby: 9:00am-5:00pm

Drive Thru: 7:30am  to 5:00pm

Friday

Lobby: 9:00am-6:00pm

Drive Thru: 7:30am  to 6:00pm

Saturday - Closed

Holiday Closings:

Presidents Day - Monday, February 20, 2023

 

 

 

 

 

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Disclosures

We do business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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