DIRIGO Honors & Signature Rewards Checking

Account TypeDividend RateAnnual Percentage YieldMinimum Balance
Dirigo Honors Checking ($0-$25,000)3.45%3.50%None
Dirigo Honors Checking (over $25,000)0.29%0.64%-2.00%$25,000.01
Dirigo Honors Checking (Qualifications NOT met)0.10%0.10%None
Dirigo Signature Rewards0.00%0.00%None

HSA Variable

TermDividend RateAnnual Percentage YieldMinimum Balance
to Open/Obtain
Annual Percentage
Yield
HSA Variable0.25%0.25%$0.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Jumbo IRA Certificates

TermDividend RateAnnual
Percentage
Yield
Minimum Balance
to Open/Obtain
Annual Percentage
Yield
6 Month4.98%5.10%
$100,000.00
9 Month4.98%5.10%$100,000.00
1 Year4.98%5.10%$100,000.00
15 Month4.79%4.90%$100,000.00
2 Year4.27%4.35%$100,000.00
3 Year4.03%4.11%$100,000.00
4 Year4.03%4.11%$100,000.00
5 Year4.03%4.11%$100,000.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Club Accounts

Account TypeDividend RateAnnual
Percentage
Yield
Minimum
Balance to Open/Obtain
Annual Percentage Yield
Club0.25%0.25%$0.00

Share Draft Checking Accounts

Account TypeDividend RateAnnual
Percentage
Yield
Minimum Balance
to Open/Obtain
Annual
Percentage
Yield
Monthly Fee
if Balance falls
below Minimum
Balance
Regular Checking0.00%0.00%$0.00$0.00
Share Draft Minimum Balance0.15%0.15%$500.00$5.00
Free 4 Me
Checking*
0.00%0.00%$0.00$0.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Jumbo Share Certificates

TermDividend RateAnnual
Percentage
Yield
Minimum Balance to Open/Obtain
Annual Percentage
Yield
6 Month4.98%5.10%$100,000.00
9 Month4.98%5.10%$100,000.00
1 Year4.98%5.10%$100,000.00
15 Month4.79%4.90%$100,000.00
2 Year4.27%4.35%$100,000.00
3 Year4.03%4.11%$100,000.00
4 Year4.03%4.11%$100,000.00
5 Year4.03%4.11%$100,000.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

IRA Certificates

TermDividend RateAnnual
Percentage
Yield
Minimum Balance
to Open/Obtain
Annual Percentage
Yield
IRA 6 Month4.89%5.00%$500.00
IRA 9 Month4.89%5.00%$500.00
IRA 1 Year4.89%5.00%$500.00
IRA 15 Month4.70%4.80%$500.00
IRA 2 Year4.17%4.25%$500.00
IRA 3 Year3.93%4.00%$500.00
IRA 4 Year3.93%4.00%$500.00
IRA 5 Year3.93%4.00%$500.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Share Accounts

Account TypeDividend RateAnnual
Percentage
Yield
Minimum to Open/Obtain
Annual Percentage
Yield
Shares (B)0.25%0.25%$25.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Money Market Share Accounts

TierVariable Dividend Rate*Annual
Percentage
Yield
Minimum Balance
to Open/Obtain
Annual Percentage
Yield
$1,000.00 - $24,999.992.96%3.00%$1,000.00
$25,000.00 - $49,999.993.20%3.25%$25,000.00
$50,000.00 - $99,999.993.34%3.40%$50,000.00
$100,000 - $249,999.993.68%3.75%$100,000.00
$250,000 & Over3.93%4.00%$250,000.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Share Certificates

TermDividend RateAnnual
Percentage
Yield
Minimum to Open/Obtain
Annual Percentage
Yield
6 Months5.08%5.20%$500.00
9 Months4.98%5.10%$500.00
1 Year4.89%5.00%$500.00
15 Months4.70%4.80%$500.00
2 Years4.17%4.25%$500.00
3 Years3.93%4.00%$500.00
4 Years3.93%4.00%$500.00
5 Years3.93%4.00%$500.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

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

YearMax TermInterest RateAnnual Percentage RateMonthly Interest
Payment per $1,000

Auto, Truck

2020 & Newer 846.95%As low as 7.02%$15.10
726.75%As low as 6.83%$16.97
606.25%As low as 6.35%$19.49
486.15%As low as 6.27%$23.61
366.00%As low as 6.16%$30.49
2019 Only727.55%As low as 7.63%$17.35
2015-2019607.00%As low as 7.10%$19.85
2015-2019486.55%As low as 6.67%$23.79
2015-2019366.25%As low as 6.41%$30.61
Max mileage 110,000

Motorcycle, ATV & Snowmobile

2020 & Newer
727.65%As low as 7.73%$17.40
606.90%As low as 7.00%$19.80
486.65%As low as 6.77%$23.84
366.25%As low as 6.41%$30.61
2019 Only729.90%As low as 9.99%$18.52
607.90%As low as 8.00%$20.28
2015-2019487.30%As low as 7.42%$24.14
2015-2019366.90%As low as 7.06%$30.90
Max mileage 25,000

Travel Trailers (RVs) and Boats

2020 & Newer1808.85%As low as 8.88%$10.07
1208.25%As low as 8.33%$12.31
847.75%As low as 7.82%$15.50
607.00%As low as 7.10%$19.85
486.25%As low as 6.37%$23.65
2015 to 2019848.10%As low as 8.17%$15.67
607.85%As low as 7.95%$20.25
486.90%As low as 7.02%$23.96
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Tractors

YearMax TermInterest RateAnnual Percentage RateMonthly Interest Payment per $1,000

Tractors

*Used 5+ years add 1.5%; max age 10 model years
Minimum $35,000 1809.50%As low as 9.50%$10.44
Minimum $15,0001208.00%As low as 8.08%$12.18
Minimum $10,000847.50%As low as 7.61%$15.39
607.25%As low as 7.40%$19.99
486.25%As low as 6.44%$23.69

Implements

*Used 2+ years add 2%; max age 7 model years
Minimum $15,0001209.00%As low as 9.09%$12.71
Minimum $10,000848.50%As low as 8.62%$15.89
608.00%As low as 8.16%$20.35
487.25%As low as 7.44%$24.15
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Unsecured, Other Secured, & Credit Cards

Unsecured**Max TermInterest RatesAnnual Percentage RatePayment per $1,000
$5,000+6012.25%As low as 12.35%$22.42
$3,500+
4812.00%As low as 12.13%$26.40
$500+3611.50%As low as 11.66%$33.05
Other Secured
$5,000+848.65%As low as 8.77%$15.97
$5,000+728.40%As low as 8.53%$17.79
$5,000+
608.00%As low as 8.16%$20.35
$3,500+487.75%As low as 7.94%$24.38
$500+367.25%As low as 7.50%$31.11
Share Secured
603.50%$18.19
CD Secured
Term 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 7.95%2% of balance or $25
Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only)RevolvingAs low as 9.95%2% of balance or $25
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Portfolio Mortgages

MortgageRate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)6.750%
6.875%
$6.49
20 Year6.625%6.787%
$7.53
15 Year6.500%
6.701%
$8.71
10 Year6.375%
6.656%
$11.29
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Home Equity

Home Equity Loan
(closed end)
(+.75% for mobile homes)
Home Equity
(1st Lien)
Home Equity
(Subordinate Lien)
80% LTVRATE (A)APRPayment per $1000RATE (A)APRPayment per $1000
20 Year
(minimum $50,000)
7.125%
7.169%
$7.83N/AN/AN/A
15 Year6.875%
6.929%
$8.92
7.250%
7.352%
$9.13
10 Year6.750%
6.824%
$11.48
7.125%
7.267%
$11.68
5 Year6.625%
6.762%
$19.62
7.000%
7.262%
$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 (8.50) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV8.500%8.500%Greater of $100 or accrued finance charge during draw period8.750%8.750%Greater of $100 or accrued finance charge during draw period
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Mobile Homes on Land

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2018+ min. credit score 680)
7.000%
7.127%
$6.65
20 Year6.875%
7.039%
$7.68
15 Year6.750%
6.960%
$8.85
10 Year6.625%
6.919%
$11.42
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Mobile Homes in a Park

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year7.250%
7.394%
$7.90
15 Year7.125%
7.303%
$9.06
10 Year7.000%
7.374%
$11.68
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Land Loans

Land LoanRate (A)APRPayment per $1,000
15 Year7.000% 7.564%
$8.99
10 Year6.875%
7.663%
$11.55
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.