Through our partnership with Waldo County Oil & Propane, qualified members can finance heating fuel and equipment with an affordable Personal Loan from Downeast Credit Union.
Downeast Credit Union & Waldo County Oil & Propane
Helping our communities finance the products and services they need.
A Downeast Credit Union Personal Loan can help make home comfort upgrades more affordable.
Through our partnership with Waldo County Oil & Propane, qualified members can finance eligible products and services with convenient monthly payments.
Whether you're planning ahead or facing an unexpected repair, our local lending team is here to help.
Heating & Fuel Loans as low as 7.99%APR for Loyal Members**
One low rate no matter your credit score!
Whether you use fuel oil, propane, wood pellets, or other heating supplies, we’ve got you covered.
Get an answer quickly from our local lending team.
Apply with Confidence! There's no application fees!
You'll work with poeple who live and work in your community.
Loyal members save 0.25% APR on Personal Loans*.
To apply for a Personal Loan, Applicants must:
Membership at Downeast Credit Union is open to those who live, work, worship or attend school in the following Maine counties: Hancock, Kennebec, Knox, Lincoln, Penobscot, Sagadahoc, Waldo and Washington, as well as the towns of Brunswick and Harpswell in Cumberland County. Membership is also available to immediate family members of existing members, those living in the same household and organizations of such persons who all live within the field of membership.
Compare our current Loan Rates and find the option that's right for you.
Wondering how Personal Loans work? Learn more here.
With our mobile banking app, you can access your account instantly and securely from anywhere, anytime. Manage your money confidently and download today:
*Personal Loans - Annual Percentage Rates (APR) and loan approval are based on collateral type, payment method, creditworthiness and ability to repay. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal. Rates effective as of 05/27/2026. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. To qualify for 0.25% off your next automobile, personal or recreational loan, member must have an active DECU checking account with at least $1,000/month in direct deposits and 10 debit card transactions/month at the time of the loan closing. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
^^Excludes new chimney builds.
**Heating & Fuel Loans available to qualified buyers in amounts of $500 to $7,500 with funds paid directly to the fuel company. No down payment required. Subject to credit approval. Annual percentage rate accurate as of 6/1/2026. Limited time offer valid from 6/1/26-12/31/26. For example, an 11-month, fixed-rate Heating Fuel Loan for $2,000 would have a monthly payment of $189.63 at an annual percentage rate (APR) of 8.49%. All rates and terms subject to change at any time. To qualify for 0.50% off your heating & fuel loan, member must have an active DECU checking account with at least $1,000/month in direct deposits and 10 debit card transactions/month at the time of the loan closing. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Federally Insured by NCUA. Insurance products are offered by Downeast Insurance, a wholly owned subsidiary of Downeast Credit Union; Insurance Products are not Federally Insured by NCUA.
