Annual Percentage Rate

APR (annual percentage rate) includes interest rates and any credit union fees. APR should always be advertised.

Fixed vs. Variable Rate

• Fixed rate is a consistent rate throughout the length of the loan.
• Variable Rate is subject to change over the life of the loan.

Monthly Payments

APR, term length, and loan amount are calculated into your monthly payment. The monthly payment amount is what is considered when looking at a monthly budget.

Debt-to-Income Ratio

DTI (debt-to-income) measure income and debt – a low DTI is favorable and more likely to service a debt or loan.

Unsecured, Other Secured, & Credit Cards

Unsecured**	Max Term	Interest Rates	Annual Percentage Rate	Payment per $1,000
$5,000+	60	12.25%	As low as 12.40%	$22.45
$3,500+	48	12.00%	As low as 12.18%	$26.42
$500+	36	11.50%	As low as 11.73%	$3309
Other Secured
$5,000+	84	8.25%	As low as 8.40%	$15.78
$5,000+	72	8.00%	As low as 8.17%	$17.62
$5,000+	60	7.60%	As low as 7.80%	$20.18
$3,500+	48	7.35%	As low as 7.59%	$24.22
$500+	36	6.85%	As low as 7.16%	$30.95
Share Secured	60		3.50%	$18.19
CD Secured	Term of CD		CD Rate + 3.00%	Variable
Energy/Emergency Loan (1 loan per member, $2,500 max)	26		4.00%	$40.22
Overdraft LOC ($5,000 Max; A+, A, B & C Credit Only)	Revolving		15.00%	$50.00
Dirigo Platinum Credit Card	Revolving		5.95% Introductory Rate then As low as 9.95%	2% of balance or $25
Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only)	Revolving		As low as 11.95%	2% of balance or $25
Dirigo Business Rewards Credit Card	Revolving		As low as 13.99%	2% of balance or $25

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

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