Our Members Come First
See what our members are saying about us.
  • I had an outstanding experience with Alexis Wood—honestly the best customer service I’ve had in a long time. She was prompt, professional, and exceptionally efficient. I was able to complete a personal loan and open a checking account–within a matter of minutes, without ever leaving my desk. Outstanding experience from start to finish.

    – Karen Q.
  • Kim Drouin was a wealth of knowledge in helping acquire my personal loan. She was efficient, explained everything out so I could understand it, and kept me updated through the whole process. Thank you, Kim. I so appreciate your help and service.

    – Nancy S.
  • I went in yesterday to open a new account and to look at the possibility of getting a small personal loan. I met with Christina (the branch manager) who went above and beyond to help me. I truly cannot say enough good things about my experience! Any questions or concerns that I had were answered, and in a way that I was able to easily understand. The process of everything I had intended happened in a very timely manner and went as smoothly as possible. I highly recommend both Maine Savings & Christina to anyone & everyone!

    – May W.
  • I have worked with Maine Savings for personal banking and car loans. My personal loan office is Ryan Jandreau. You seriously can’t find a better banker than Ryan. He makes himself beyond available and helpful, he will even do as much as he can to take things off your plate. He always gives you the loan information and offers the most competitive and lowest interest rates possible. I can’t leave higher regards and suggest working with Maine Savings for all your banking needs.

    – Phillip L.
Personal Loan Rates

Effective Date: Friday, November 13, 2026

Approximate Term Loan to Value APR
Personal Up to 7 yrs. N/A as low as 11.00% 1
1
Term of 24 months; estimated monthly payment of $46.62 per $1,000.00 borrowed. The APR is the Credit Union’s standard rate. The rate may vary depending on each individuals credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
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Personal Highlights
RedWallet® Cash Back Checking
Start earning 2% cash back on daily debit card purchases.
RedWallet® Cash Back Checking
Certificates
Get savings with guaranteed, compounded interest.
Certificates
Home Lending
Ready to buy or refinance? Get a loan with competitive rates.
Home Lending
Personal Loans
Have the money you need to cover costs confidently.
Personal Loans
Personal Resources
Members Stay Protected
Get FREE Ongoing Credit Score, Report and Monitoring with SavvyMoney.
Members Stay Protected
Contact Us
Here to answer questions, offer solutions, or point you in the right direction.
Contact Us
Digital Wallet
All Maine Savings cards,debit and credit, are available for use with digital wallets.
Digital Wallet
Lost or Stolen Card
Click here if your Maine Savings credit card or debit card has been lost or stolen.
Lost or Stolen Card
Just Exploring?
Why use a credit union?
Why use a credit union?
We’re here to offer competitive rates, lower fees, and unmatched personalized service
Why use a credit union?
Personal Loan FAQ
What can a personal loan be used for?
How do I apply for a personal loan?
What credit score do I need for a personal loan?
Can I use a personal loan to consolidate debt?
How quickly can I get approved for a personal loan?
Are personal interest rates fixed?
What’s the difference between a personal loan and a credit card?
How much can I borrow with a personal loan?
Why choose a credit union for a personal loan?

Personal loans can be used for many types of expenses, including debt consolidation, home improvements, emergency expenses, vacations, and other major purchases.

You can apply for a personal loan online or at one of our branch locations.

Credit score requirements vary based on the loan amount, term, and overall financial profile. We work with a wide range of borrowers and offer competitive options for many credit situations.

Yes. Many borrowers use personal loans to consolidate high-interest debt, including credit card debt and other loans. This may be a great way to simplify payments, potentially lower your interest rate, and lower your monthly payments.

Approval times vary, but our loan experts ensure that all applications received will be processed in a timely manner so you can view the options that best fit your financial situation.

Our personal loans offer fixed-rate financing, helping borrowers maintain predictable monthly payments over the life of their loan.

Personal loans provide the borrower with a lump sum with fixed monthly payments and a fixed loan term. Credit cards are revolving lines of credit with variable balances and payments. For more information on our Maine Savings Atlas Credit Card, click here.

The amount you can borrow with a personal loan depends on various factors including income, credit history, existing debt obligations, and your overall financial profile.

Credit unions are member-focused financial institutions and often provide competitive rates, personalized service, and flexible lending options compared to traditional banks.