14th Annual Member Loan Sale

Reach new heights with rates as low as 1.97% APR* during our Annual Loan Sale now through October 1st - 31st 2020!

14th Annual Member Appreciation Loan Sale

You’re in the driver seat when you switch to Dirigo … Reach new heights with a great low rate during our 14th Annual Member Appreciation Loan Sale!

Lead the way to rates as low as 1.97%APR* when you refinance your existing loan from another institution Today!

Member Appreciation LOAN SALE RATES. Rates effective 10/01/2020 – 10/31/2020. NEW MONEY ONLY*

Credit Score/Risk Based Pricing LLPAA(>720)
LLPA 4.00
LLPA 4.00
LTV Limits120%120%110%105%100%


Year of VehicleMax Term **Rate***APR***Payment per $1,000
2019 and newer (Minimum $15,000)842.90%2.95%$13.17
2019 and newer 722.40%2.46%$14.93
2019 and newer601.90%1.97%$17.48
2013 & older 361.90%2.01%$28.60
max mileage 125,00060 month financing max mileage 75,000over 75,000 mileage 48 month max financing


Year of VehicleMax Term **Rate***APR***Payment per $1,000
2019 and newer (Min $15,000)722.40%2.46%$14.93
2018 and newer601.90%1.97%$17.48
2016 and newer481.90%1.98%$21.65
2015 & older361.90%2.01%$28.60

Travel Trailers (RVs) and Boats

Year of VehicleMax Term **Rate***APR***Payment per $1,000
2019 and newer (Minimum $35,000)1804.50%4.51%$7.65
2017 and newer (Minimum $25,000)1203.75%3.77%$10.01
2016 and newer842.90%2.95%$13.17
2013 and newer601.90%1.97%$17.48
2012 & Older481.90%1.98%$21.65

*APR=Annual Percentage Rate. Existing Dirigo FCU Consumer Loans are not eligible for this promotion. This promotion excludes tractors. New loans to the credit union only. Rate is subject to credit approval. Rate listed above is a 60-month term, 1.90% Rate or 1.97% APR, for a credit score 661 or greater (based on a $15,000 loan with an interest payment per thousand of $17.48). Scores 660 or less you will receive a rate of 5.90% or 5.97% APR on a 5 Year loan (based on a $15,000 loan with an interest payment per thousand of $19.29). Additional terms and conditions apply. Applicants must meet credit guidelines set forth by Dirigo FCU to qualify. Federally Insured by NCUA.
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Dealer Partners

We’re partnered with several auto and recreational vehicle dealers in Maine to make it that much easier for you to get financing you can trust. All you have to do is let your dealership know that you’re a member of Dirigo, and they’ll walk you through the process.

Vehicle Service Contract

Dirigo’s Vehicle Service Contract (VSC) is through a company named Auto Exam.  VSC programs help protect your budget, they give you peace of mind and give you additional benefits such as roadside assistance, rental benefits, and trip interruption services.

GAP Plus Coverage

Dirigo’s GAP Program (Guaranteed Asset Protection) provides comprehensive coverage for our members. It helps our members bridge the “gap” between the amount they owe on the loan and the amount the automobile insurance company pays if their vehicle becomes totaled or stolen.

How can we help you get Started?

Fill out this form to learn how Dirigo can get you an amazing auto loan.

October Non-Sale Rates

Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats

Rates Effective October 1, 2020

YearMax Term RateAPRMonthly Payment per $1,000

Auto, Truck

2019 & Newer (Min. $15,000)843.30%3.35%$13.35
2019 & Newer723.00%3.06%$15.20
2019 & Newer602.50%2.57%$17.75
2017-2018 602.90%2.97%$17.93
2013 & older

Maximum mileage 125,000

60 month max mile 75,000max term over 75,000 miles 48 months

Motorcycle, ATV & Snowmobile

2019 & Newer
(Min. $15,000)
2018 & Newer 603.00%3.07%$17.97
2016 & Newer484.25%4.33%$22.69
2015 & Older

Travel Trailers (RVs) and Boats

2019 & Newer
(Minimum $35,000)
2017 & Newer (Minimum $25,000)1204.25%4.27%$10.24
2016 & Newer843.75%3.80%$13.55
2013 & Newer604.00%4.07%$18.42
2012 & Older
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
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