Loan Rates

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

Rates Effective July 1, 2020

YearMax Term RateAPRMonthly Payment per $1,000

Auto, Truck

2019 & Newer (Min. $15,000)843.30%3.35%$13.35
2019 & Newer723.00%3.06%$15.20
2019 & Newer602.50%2.57%$17.75
2017-2018 602.90%2.97%$17.93
2014-2016483.75%3.83%$22.47
2013 & older

364.75%4.86%$29.86
Maximum mileage 125,000

60 month max mile 75,000max term over 75,000 miles 48 months

Motorcycle, ATV & Snowmobile

2019 & Newer
(Min. $15,000)
723.50%3.56%$15.42
2018 & Newer 603.00%3.07%$17.97
2016 & Newer484.25%4.33%$22.69
2015 & Older
364.90%5.01%$29.93

Travel Trailers (RVs) and Boats

2019 & Newer
(Minimum $35,000)
1804.90%4.91%$7.86
2017 & Newer (Minimum $25,000)1204.75%4.77%$10.49
2016 & Newer844.25%4.30%$13.79
2013 & Newer604.00%4.07%$18.42
2012 & Older
484.75%4.83%$22.92

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Home Mortgages

Rates effective June 1, 2020

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)3.250%3.326%$4.35
20 Year3.000%3.106%$5.55
15 Year2.625%2.761%$6.73
10 Year2.500%2.698%$9.43

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Home Equity

Rates effective June 1, 2020

Home Equity Loan
(closed end)
(+.50% 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)
3.500%3.545%$5.80N/AN/AN/A
15 Year3.250%3.307%$7.034.250%4.309%$7.52
10 Year3.000%3.083%$9.664.000%4.085%$10.12
5 Year3.000%3.053%$17.973.875%4.036%$18.36
Home Equity Line of Credit
80% LTVRATE (A) - Base
Prime -.5
APR-Adjusts Monthly based on IndexPayment per $1000RATE (A) - Base
Prime -.25
APR-Adjusts Monthly based on IndexPayment per $1000
80% LTV Prime (5.50)margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV3.250%3.250%Greater of $100 or accrued finance charge during draw period3.500%3.500%Greater of $100 or accrued finance charge during draw period

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Mobile Homes on Land

Rates effective June 1, 2020

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2013+ min. credit score 680)
3.875%3.968%$4.70
20 Year3.625%3.753%$5.86
15 Year3.375%3.538%$7.09
10 Year3.375%3.611%$9.83

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Land Loans

Rates Effective June 1, 2020

Land LoanRate (A)APRPayment per $1,000
15 Year4.875%5.304%$7.84
10 Year4.625%5.234%$10.42

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Mobile Homes in a Park

Rates effective June 1, 2020

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year4.000%4.079%$6.06
15 Year3.500%3.600%$7.15
10 Year3.500%3.644%$9.89

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Unsecured Loans

Rates Effective July 1, 2020

Unsecured**Max TermRateAPRPayment per $1,000
$5,000 or more (minimum credit score 661)609.50%9.72%$21.00
$3,500 or more489.25%9.58%$25.00
$500 or more
368.75%9.32%$31.68
Share Secured (No LLPA's)***603.25%3.35%$18.08
CD Secured (No LLPA's)***Match CDCD Rate + 3.00%Variable
Other Secured (Minimum $25,000)
844.25%4.430%$13.79
Other Secured (Minimum $15,000)
724.00%4.06%$15.65
603.75%3.82%$18.31
484.50%4.58%$22.36
Energy/Emergency Loan (No LLPA's)262.50%2.50%$39.56
Overdraft LOC
($5,000 Max, No LLPA's) A, B & C Credit Only
Revolving15.00%15.00%$50.00
Dirigo Platinum Credit CardRevolving7.95%7.95%2% of balance or $25
Dirigo Platinum Rewards Credit Card (A,B,C credit only)Revolving9.95%9.95%2% of balance or $25

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