Loan Rates

Home Mortgages

Rates Effective April 1, 2019

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year4.375%4.452%$4.99
20 Year4.000%4.104%$6.06
15 Year3.625%3.757%$7.21
10 Year3.500%3.691%$9.89

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

Rates Effective April 1, 2019

YearMax Term RateAPRMonthly Payment per $1,000

Auto, Truck

2018 & Newer (Min. $25,000)844.25%4.33%$13.78
2018 & Newer (Min. $15,000)723.65%3.80%$15.49
2018 & Newer603.00%3.18%$17.97
2015-2017 603.75%3.93%$18.30
2013-2014 484.25%4.47%$22.69
2012 & older

365.00%5.30%$29.97
Maximum mileage 125,000

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

Motorcycle, ATV & Snowmobile

2018 & Newer
(Min. $15,000)
724.25%4.40%$15.76
2017 & Newer 603.75%3.93%$18.30
2015 & Newer484.75%4.97%$22.91
2014 & Older
365.00%5.30%$29.97

Travel Trailers (RVs) and Boats

2018 & Newer
(Minimum $35,000)
1805.50%5.53%$8.17
2017 & Newer (Minimum $25,000)1205.00%5.06%$10.61
2015 & Newer844.75%4.88%$14.02
2012 & Newer604.75%4.93%$18.76
2011 & Older
365.50%5.80%$30.19

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Home Equity

Rates Effective April 1, 2019

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)
4.375%4.411%$6.26N/AN/AN/A
15 Year4.125%4.171%$7.464.750%4.797%$7.78
10 Year4.000%4.066%$10.124.500%4.567%$10.36
5 Year3.750%3.877%$18.304.250%4.377%$18.53
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 (3.75) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV5.000%5.000%Greater of $100 or accrued finance charge during draw period5.250%5.250%Greater of $100 or accrued finance charge during draw period

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Mobile Homes on Land

Rates Effective April 1, 2019

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2012+ min. credit score 661)
5.375%5.456%$5.60
20 Year5.000%5.108%$6.60
15 Year4.625%4.761%$7.71
10 Year4.250%4.444%$10.24

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Land Loans

Rates Effective April 1, 2019

Land LoanRate (A)APRPayment per $1,000
15 Year5.750%6.177%$8.30
10 Year5.500%6.103%$10.85

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Mobile Homes in a Park

Rates Effective April 1, 2019

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year5.500%5.544%$6.88
15 Year5.125%5.180%$7.97
10 Year4.750%4.828%$10.48

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Unsecured Loans

Rates Effective April 1, 2019

Unsecured**Max TermRateAPRPayment per $1,000
$5,000 or more (minimum credit score 661)608.99%9.10%$20.75
$3,500 or more488.50%8.76%$24.65
$500 or more
368.00%8.57%$31.33
Normal LLPA's do not apply to special:add 4% to rates for D & E Credit (<661) for special
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 $15,000)
725.00%5.15%$16.10
604.50%4.68%$18.64
484.25%4.47%$22.69
Energy/Emergency Loan (No LLPA's)124.00%4.47%$85.15
Overdraft LOC
($5,000 Max, No LLPA's) A, B & C Credit Only
Revolving15.00%15.23%$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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