Loan Rates

Competitive rates on auto loans, home loans and personal loans to help you reach your goals. Contact our team today to learn more.

Loan Rates

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

Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV’s) & Boats
YearMax TermInterest RateAnnual Percentage RateMonthly Interest
Payment per $1,000

Auto, Truck

2023 & Newer844.99%As low as 5.09%$14.18
724.49%As low as 4.60%$15.92
604.24%As low as 4.38%$18.59
484.09%As low as 4.26%$22.69
363.99%As low as 4.21%$29.62
2022 Only725.25%As low as 5.37%$16.28
2019-2022604.85%As low as 4.99%$18.87
2019-2022484.65%As low as 4.82%$22.95
2019-2022364.50%As low as 4.72%$29.85
Max mileage 100,000

Motorcycle, ATV & Snowmobile

2023 & Newer
727.25%As low as 7.37%$17.23
606.25%As low as 6.39%$19.51
486.00%As low as 6.17%$23.56
365.60%As low as 5.82%$30.34
2022 Only729.05%As low as 9.17%$18.11
607.05%As low as 7.19%$19.89
2019-2022486.45%As low as 6.62%$23.77
2019-2022366.05%As low as 6.27%$30.55
Max mileage 25,000

Travel Trailers (RVs) and Boats

2023 & Newer1807.80%As low as 7.83%$9.46
1207.65%As low as 7.76%$12.00
847.15%As low as 7.25%$15.22
606.35%As low as 6.49%$19.56
485.60%As low as 5.77%$23.88
2022 Only847.55%As low as 7.65%$15.41
2019-2022606.80%As low as 6.94%$19.77
485.85%As low as 6.02%$23.49

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Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
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Unsecured, Other Secured, Credit Card

Unsecured, Other Secured, & Credit Cards
Unsecured**Max TermInterest RatesAnnual Percentage RatePayment per $1,000
$5,000+6010.74%As low as 10.88%$21.69
$3,500+4810.49%As low as 10.67%$25.68
$500+369.99%As low as 10.22%$32.37
Other Secured
$5,000+848.75%As low as 8.86%$16.02
$5,000+728.50%As low as 8.62%$17.84
$5,000+608.10%As low as 8.24%$20.39
$3,500+487.85%As low as 8.02%$24.42
$500+367.35%As low as 7.58%$31.14
Share Secured603.50%$18.19
CD SecuredTerm of CDCD Rate + 3.00%Variable
Energy/Emergency Loan (1 loan per member, $2,500 max)264.00%$40.22
Overdraft LOC ($5,000 Max; A+, A, B & C Credit Only)Revolving15.00%$50.00
Dirigo Platinum Credit CardRevolving5.95% Introductory Rate then As low as 9.95%2% of balance or $25
Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only)RevolvingAs low as 11.95%2% of balance or $25
Dirigo Business Rewards Credit CardRevolvingAs low as 13.99%2% of balance or $25

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Portfolio Mortgages

Portfolio Mortgages
MortgageRate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)6.875%
6.979%
$6.57
20 Year6.750%6.885%
$7.60
15 Year6.375%
6.540%
$8.64
10 Year6.250%6.481%
$11.23

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Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
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Risk Based Pricing

Risk Based Pricing
Credit Score/Risk Based PricingA (≥720)B (680-719)C (661-679)D (620-660)*E (≤619)*
LLPA added to Par (A) RateParLLPA .25LLPA 1.00LLPA 2.00LLPA 2.50
LLPA Cash out refi >75% LTV-origination fee (points) added to closing costs (1st Mortgages Only) Home Improvement excluded0.751.502.503.504.00

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Home Equity

Home Equity
Home Equity Loan
(closed end)
(+.75% for mobile homes)		Home Equity
(1st Lien)
RATE (A)		Home Equity
(1st Lien)
APR		Home Equity
(1st Lien)
Payment per $1000		Home Equity
(Subordinate Lien)
RATE (A)		Home Equity
(Subordinate Lien)
APR		Home Equity
(Subordinate Lien)
Payment per $1000
80% LTVRATE (A)APRPayment per $1000RATE (A)APRPayment per $1000
20 Year
(minimum $50,000)		7.125%
7.176%
$7.83N/AN/AN/A
15 Year6.875%
6.936%
$8.92
7.250%
7.345%
$9.13
10 Year6.750%
6.835%
$11.48
7.125%
7.256%
$11.68
5 Year6.500%
6.655%
$19.57
7.000%
7.242%
$19.80
Home Equity Line of Credit
80% LTVRATE (A) – Base
Prime +0		APR-Adjusts Monthly based on IndexPayment per $1000RATE (A) – Base
Prime +.25		APR-Adjusts Monthly based on IndexPayment per $1000
80% LTV Prime (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV7.000%7.000%Greater of $100 or accrued finance charge during draw period7.250%7.250%Greater of $100 or accrued finance charge during draw period

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Mobile and Tiny Homes on Land

Mobile and Tiny Homes on Land
Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2018+ min. credit score 680)		7.125%7.231%$6.74
20 Year7.000%7.137%$7.75
15 Year6.625%6.792%$8.78
10 Year6.625%6.860%$11.42

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Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
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Mobile Homes in a Park

Mobile Homes in a Park
Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year7.250%7.334%$7.90
15 Year7.000%7.102%$8.99
10 Year7.000%7.143%$11.61

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Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
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