Maine Highlands Federal Credit Union
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Shared Branching
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National Credit Union Administration, a U.S. Government Agency. Your savings federally insured to $250,000.00.
Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Loan Specials

Holiday Help Loan

Get up to $1,000.00 for 12 months at 6.0% Annual Percentage Rate.

Must meet membership eligibility requirements and loan qualification guidelines. See a loan officer for details or click here to learn more.

Skip A Payment!

Skip the November, December or January payment on your credit union loan. Use the extra cash for holiday travel, entertaining, or any other expenses this time of year.

Click here to learn more.

Heat Pump Loan

Get rates as low as 6.99% APR for the purchase of a new heat pump.

Must meet membership eligibility requirements and loan qualification guidelines. Heat pump must be new and purchase order must be provided. See a loan officer for details or click here to learn more.

Winter Survival Loan

Get rates as low as 4.0% APR for the purchase of Oil, Propane, Wood, Pellets, or other sources of Fuel.

Must meet membership eligibility requirements and loan qualification guidelines. See a loan officer for details or click here to learn more.

Credit Builder Loans!

Build your credit and save money with our Credit Builder Loans!

See a loan officer for details or click here to learn more.

Open End/Draft Lines of Credit

See a loan officer for rates and disclosures.

Loan Calculator

Quickly estimate your monthly payments with our easy to use, web based calculator.

Click here to try it now!

Sub Account Description % Above Index  Term Annual
Percentage Rate
Term Annual
Percentage Rate
Vehicles & Motorcycles
New
1 - 72 months 3.99%
Used
Up to 4 model-years old - 20,000 mi or less** 1 - 60 months 3.99% 61-72 months 4.99%
Up to 4 model-yrs old** 1 - 60 months 4.99% 61-72 months 5.99%
5 - 8 model-years old** 1 - 48 months 5.99% 49-60 months 6.99%
 9 - 12 model-years old**  1 - 36 months  7.99% 37-48 months 8.99%
49-60 months 9.99%
ATVs/Snowmobiles/Lawn Tractors/Trailers*
New 1 - 60 months 5.99%
Used - 5 years old or newer 1 - 48 months 6.99% 48-60 months 7.99%
 6 - 10 years old 1 - 36 months   8.99% 49-60 months 9.99%
Campers/Boats/Tractors*
New 1 - 84 months 4.99%
New over $25,000.00 85 - 120 months 6.99%
Used - 5 yrs or newer 1 - 60 months 6.99%
Used over $15,000.00 61 - 84 months 7.99%
6 - 12 yrs old 1 - 60 months 8.99%
Used over $15,000.00 61 - 84 months 9.99%
Personal Loans
1 - 60 months 12.99%
Commercial Collateral*
New & Used
Trucks/Equipment up to 72 months 8.99%
$10,000.00 & over requires appraisal
Stock Secured
1 - 36 months 6.99%
37 - 72 months 8.99%
Share/Certificate Secured
Fixed Term +3% 1 - 60 months *Current rate on Share or Certificate plus 3%
   +5%  61 - 120 months *Current rate on Share or Certificate plus 5% 
Lines of Credit +3% 1% pmt
Variable Rate Lines of Credit
Unsecured +9% over prime 3% pmt
Collateral Secured* +6% over prime 3% pmt
*$10,000 and over may require an appraisal **Vehicle year rolls over on April 1
– Effective as of 7:30 AM on 11-26-2014 –
Rates Subject To Change
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