Other Loans

Personal Loans

The Credit Union offers two types of Personal Loans in our service areas of Lewiston, Auburn, Durham, Lisbon, Sabattus, Bowdoin, Topsham and Pownal. Visit our main office in Lisbon, or our branch in Lewiston, or apply online!

Our traditional fixed rate Personal Loan features terms up to 7 years and a limit of $20,000.00. Borrow for any purpose: consolidation, vacation, auto, home repairs, furniture, etc. Why pay those high interest rates charged on any credit cards? Take out a personal loan today!  

We also offer a Preferred Credit Line. This is a revolving pre-established credit line that can be accessed by writing a check or by making advances at the teller line or through Home Banking or A.R.T., our Automated Response Teller. The program features a variable rate based on the Prime Rate + 3%.

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1.) 7.99% Fixed APR (Annual Percentage Rate) $10,000 or lessfor a 5 year term, over $10,000 for a 7 year term.
2.) 84 monthly payments of $15.59 per $1,000 borrowed.

1.) There is 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.) Membership eligibility required. The APR may increase or decrease monthly. The interest rate will be based on the prime rate as published in the Wall Street Journal (the “Index”) plus three percentage points (3%) (the “Margin”). The interest rate will change whenever the Index changes. Changes in the interest rate will be calculated by taking the Index figure available fifteen (15) days before the first day of the month (the “Change Date”) 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.


Don't spend your hard-earned savings. Most Members find it easier to repay a loan than to "repay themselves" after making a purchase. While pledged as collateral, your savings, money market or certificate continues to earn dividends and as your loan balance reduces, so does the pledged amount.

We offer flexible terms and the best part is that these loans also have lower interest rates.


As part of our FOCUS teen financial program, we have developed a Youth Loan. Loan amounts may range from $50.00 to $500.00.

The major purpose of this program is to instill a sense of responsibility and accountability in our young borrowers.

When applying for a FOCUS Loan, the following may be considered:

  • Age of the member (16 years +)
  • Length of time participating in FOCUS or Monty Moose Programs
  • Savings account history
  • Employment history (or source of income to repay the loan)
  • Recent report card
  • Legitimate need for the loan

"We're FOCUSING on YOU!"

Call one of our Loan Officers at (207) 353-4144 or toll-free at (877) 353-4144 or e-mail us today for more information on these great programs!

Checking Overdraft Line of Credit

We've always offered overdraft protection from a savings account, but you also have another option! For added protection, you can apply for a revolving line of credit that will be linked to your checking account. Limits range from $500.00 to $2,000.00.

Any time your account becomes overdrawn, we will transfer the exact amount needed to cover a transaction. Types of overdrafts include: checks, electronic transactions, automatic payments or transfers and Visa Debit Card transactions.

There are three overdraft options available: the funds withdrawn from savings first then your credit line; from your credit line then from savings; or from your credit line only.

Apply today and avoid overdraft fees!

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