Personal Loans

Ready to consolidate bills, pay off credit cards or handle other financial priorities? Consider a secured or unsecured personal loan.

  • Unsecured loans backed by creditworthiness versus collateral
  • Secured loans backed by your savings account balance as collateral
  • Borrow up to 100% of your savings balance
  • Sets predictable monthly payment
  • Ideal for debt consolidation or unanticipated expenses

Personal Loan Rates

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

View Disclosures

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Disclosures

Membership Eligibility Requirements: An individual must live, work or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York, Maine. Immediate family members of existing Dirigo FCU members are also eligible. $25 opening deposit for membership must be included with funding packet or $25 will be withheld from dealer proceeds.

Term Restrictions for Tractors & Implements
$10,000 minimum loan amount for 84-month term
$15,000 minimum loan amount for 120-month term
$35,000 minimum loan amount for 180-month term

Restrictions:

  • No salvaged, flood-damaged, Lemon Law, reconstructed or rebranded titles will be financed.
  • Insurance deductibles cannot exceed $1,000. Proof of insurance (full coverage) must list Dirigo FCU as lienholder.
  • Maximum of 45 days to first payment
  • No commercial vehicles will be financed.
  • Approvals are good for 30 days.
  • No straw purchase will be financed.
  • Proof of income (most recent two paystubs) is required for all applicants with a credit score under 680.
  • Current tax returns are required for all self-employed individuals with a credit score under 680.
  • Maximum APR is 18.00%.

Loan Fees & Cost:
Document Fee (purchase or new loan): $35.00
Document Fee (refinance from Dirigo): $50.00

All rates subject to change without notice.