Acadia Tractor & Recreational Loans

Credit scores are calculated using many different pieces of credit data in your credit report.

Payment History: 40% of your score is payment history – a snapshot of how well you’ve paid your bills on time. Consistently paying your bills on time is important.

Credit Usage: 23% of your credit score is based on the amount of credit used out of the total credit available. Experts recommend using less than 30% of your total credit.

Credit Age: 21% of your score is credit age. The longer your credit history, the better.

Account Mix: 11% of your score is based on revolving credit (credit cards) and installment accounts (student loans, auto loans, mortgage).

Inquiries: 5% of your score comes from “hard” inquiries, such as when you apply for a loan or credit card.

We have many ways available to accept a payment on your Acadia FCU loan. Check this page for all the details!

Yes – a share-secured loan lets you borrow money using a savings account, a share certificate (also known as a CD in the banking world), Acadia Super Saver account, or Acadia Star Money Market account as collateral. We’ll “freeze” the amount you’d like to borrow and while the amount won’t be available for withdrawal, it will remain in your account and continue to earn dividends. Share-secured loans allow you to keep the money you have worked so hard for! As you pay down the loan, your funds become available to you again. A share-secured loan is also a great way to build or rebuild your credit score.

Acadia will accept your loan payment via Express Pay, using a debit card or ACH using another financial institution. We are unable to accept credit cards as a payment type, due to regulations put forth by legislation. To make a payment via debit card or ACH, you can call us at 1-855-692-2234, contact us through Live Support in the lower right corner of our website, or take care of the payment yourself using our Web Payment Center,  hosted and managed by Bacon Pay/SWBC. Click “Register” if you don’t have a payment account set up.

Keep in mind that you will be assessed a fee when you perform this self-guided transaction, which is $5 at the time of this posting (subject to change at any time). The maximum payment that can be made this way is $1,000. You will need to know your account number to register your Acadia FCU account for this service.

For other ways to make a loan payment, check this page.

Note: If you are unable to perform this self-guided service through the Web Payment Center and need an Acadia FCU Member Service Representative to assist you, the fee is $10 at the time of this posting (subject to change at any time).

Check out this page to see what exciting specials or promotions Acadia has going on right now!

You can find all of Acadia’s important disclosures and various account applications right here.

Yes, we offer Acadia FCU Debt Protection on auto loans.

We offer competitive loan rates on cars, trucks, motorcycles, ATVs / four wheelers, UTVs, snowmobiles, boats, jet-skis and other personal watercraft, scooters, campers, tractors, and more!