Loan Rates
Home Mortgages
Rates Effective February 1, 2019
| Mortgage | Secondary Market | Portfolio Mortgage | |||
|---|---|---|---|---|---|
| Portfolio minimum credit score 661 | Rate (A) | APR | Payment per $1,000 | ||
| 30 Year | 4.625% | 4.703% | $5.14 | ||
| 20 Year | 4.375% | 4.481% | $6.26 | ||
| 15 Year | 4.000% | 4.134% | $7.40 | ||
| 10 Year | 4.000% | 4.193% | $10.12 | ||
View Disclosures
Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats
Rates Effective February 1, 2019
| Year | Max Term | Rate | APR | Monthly Payment per $1,000 |
|---|---|---|---|---|
Auto, Truck | ||||
| 2018 & Newer (Min. $25,000) | 84 | 4.50% | 4.58% | $13.90 |
| 2018 & Newer (Min. $15,000) | 72 | 4.00% | 4.15% | $15.65 |
| 2018 & Newer | 60 | 3.25% | 3.43% | $18.08 |
| 2015-2017 | 60 | 3.90% | 4.08% | $18.37 |
| 2013-2014 | 48 | 4.25% | 4.47% | $22.69 |
| 2012 & older | 36 | 5.00% | 5.30% | $29.97 |
| Maximum mileage 125,000 | 60 month max mile 75,000 | max term over 75,000 miles 48 months | ||
Motorcycle, ATV & Snowmobile | ||||
| 2018 & Newer (Min. $15,000) | 72 | 4.50% | 4.65% | $15.88 |
| 2017 & Newer | 60 | 4.10% | 4.28% | $18.46 |
| 2015 & Newer | 48 | 4.75% | 4.97% | $22.91 |
| 2014 & Older | 36 | 5.00% | 5.30% | $29.97 |
Travel Trailers (RVs) and Boats | ||||
| 2018 & Newer (Minimum $35,000) | 180 | 5.50% | 5.53% | $8.17 |
| 2017 & Newer (Minimum $25,000) | 120 | 5.00% | 5.06% | $10.61 |
| 2015 & Newer | 84 | 4.75% | 4.88% | $14.02 |
| 2012 & Newer | 60 | 5.00% | 5.18% | $18.87 |
| 2011 & Older | 36 | 5.50% | 5.80% | $30.19 |
View Disclosures
Home Equity
Rates Effective February 1, 2019
| Home Equity Loan (closed end) (+.50% for mobile homes) | Home Equity (1st Lien) | Home Equity (Subordinate Lien) |
||||
|---|---|---|---|---|---|---|
| 80% LTV | RATE (A) | APR | Payment per $1000 | RATE (A) | APR | Payment per $1000 |
| 20 Year (minimum $50,000) | 4.750% | 4.787% | $6.46 | N/A | N/A | N/A |
| 15 Year | 4.500% | 4.547% | $7.65 | 4.750% | 4.797% | $7.78 |
| 10 Year | 4.250% | 4.317% | $10.24 | 4.500% | 4.567% | $10.36 |
| 5 Year | 4.000% | 4.127% | $18.42 | 4.250% | 4.377% | $18.53 |
| Home Equity Line of Credit | ||||||
| 80% LTV | RATE (A) - Base Prime -.5 | APR-Adjusts Monthly based on Index | Payment per $1000 | RATE (A) - Base Prime -.25 | APR-Adjusts Monthly based on Index | Payment per $1000 |
| 80% LTV Prime (3.75) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV | 5.000% | 5.000% | Greater of $100 or accrued finance charge during draw period | 5.250% | 5.250% | Greater of $100 or accrued finance charge during draw period |
View Disclosures
Mobile Homes on Land
Rates Effective February 1, 2019
| Mobile Home on Land | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 30 Year (2012+ min. credit score 661) | 5.625% | 5.708% | $5.76 |
| 20 Year | 5.375% | 5.485% | $6.81 |
| 15 Year | 5.000% | 5.137% | $7.91 |
| 10 Year | 4.750% | 4.946% | $10.49 |
View Disclosures
Land Loans
Rates Effective February 1, 2019
| Land Loan | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 15 Year | 5.750% | 6.177% | $8.30 |
| 10 Year | 5.500% | 6.103% | $10.85 |
View Disclosures
Mobile Homes in a Park
Rates Effective February 1, 2019
| Mobile Homes in a Park | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 20 Year | 5.750% | 5.794% | $7.02 |
| 15 Year | 5.500% | 5.555% | $8.17 |
| 10 Year | 5.250% | 5.328% | $10.73 |
View Disclosures
Unsecured Loans
Rates Effective February 1, 2019
| Unsecured** | Max Term | Rate | APR | Payment per $1,000 |
|---|---|---|---|---|
| $5,000 or more (minimum credit score 661) | 60 | 9.99% | 10.10% | $21.24 |
| $3,500 or more | 48 | 9.50% | 9.63% | $25.12 |
| $500 or more | 36 | 8.75% | 8.92% | $31.68 |
| PERSONAL LOAN SALE (new money only) Unsecured** | Max Term | Rate | APR | Payment per $1,000 |
| $5,000 or more (minimum credit score 661) | 60 | 7.95% | 8.06% | $20.26 |
| $3,501 - $10,000 | 48 | 7.95% | 8.21% | $24.39 |
| $500 - $3,500 | 36 | 6.95% | 7.43% | $30.86 |
| Normal LLPA's do not apply to special: | add 4% to rates for D & E Credit (<661) for special | |||
| Share Secured (No LLPA's)*** | 60 | 3.25% | 3.35% | $18.08 |
| CD Secured (No LLPA's)*** | Match CD | CD Rate + 3.00% | Variable | |
| Other Secured (Minimum $15,000) | 72 | 5.00% | 5.15% | $16.10 |
| 60 | 4.50% | 4.68% | $18.64 | |
| 48 | 4.25% | 4.47% | $22.69 | |
| Energy/Emergency Loan (No LLPA's) | 12 | 4.00% | 4.47% | $85.15 |
| Overdraft LOC ($5,000 Max, No LLPA's) A, B & C Credit Only | Revolving | 15.00% | 15.23% | $50.00 |
| Dirigo Platinum Credit Card | Revolving | 7.95% | 7.95% | 2% of balance or $25 |
| Dirigo Platinum Rewards Credit Card (A,B,C credit only) | Revolving | 9.95% | 9.95% | 2% of balance or $25 |
View Disclosures