Loan Rates
Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats
Interest Rates Effective July 1, 2021
| Year | Max Term | Interest Rate | Annual Percentage Rate | Monthly Interest Payment per $1,000 |
|---|---|---|---|---|
Auto, Truck | ||||
| 2016 & Newer | 84 | 2.99% | 3.04% | $13.23 |
| 72 | 2.24% | 2.30% | $14.88 | |
| 60 | 2.14% | 2.21% | $17.62 | |
| 48 | 1.99% | 2.07% | $21.73 | |
| 36 | 1.89% | 2.00% | $28.64 | |
| 2015 Only | 72 | 5.00% | 5.06% | $16.13 |
| 2015 Only | 60 | 4.25% | 4.32% | $18.56 |
| 2011-2015 | 48 | 3.75% | 3.83% | $22.50 |
| 2011-2015 | 36 | 3.25% | 3.36% | $29.24 |
| Max mileage 125,000 | ||||
Motorcycle, ATV & Snowmobile | ||||
| 2016 & Newer | 72 | 3.24% | 3.30% | $15.33 |
| 60 | 3.14% | 3.21% | $18.06 | |
| 48 | 2.99% | 3.07% | $22.17 | |
| 36 | 2.89% | 3.00% | $29.08 | |
| 2015 Only | 72 | 4.89% | 4.95% | $16.08 |
| 2015 Only | 60 | 4.64% | 4.71% | $18.74 |
| 2011-2015 | 48 | 4.15% | 4.23% | $22.68 |
| 2011-2015 | 36 | 3.89% | 4.00% | $29.52 |
| Max mileage 25,000 | ||||
Travel Trailers (RVs) and Boats | ||||
| 2016 & Newer | 180 | 4.49% | 4.51% | $7.65 |
| 120 | 3.74% | 3.80% | $10.03 | |
| 84 | 3.55% | 3.60% | $13.49 | |
| 60 | 3.49% | 3.56% | $18.22 | |
| 48 | 2.99% | 3.07% | $22.17 | |
| 2011 to 2015 | 84 | 5.35% | 5.40% | $14.32 |
| 60 | 5.10% | 5.17% | $18.95 | |
| 48 | 4.85% | 4.93% | $23.00 |
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Tractors
Interest Rates Effective July 1, 2021
| Year | Max Term | Annual Percentage Rate | Monthly Interest Payment per $1,000 |
|---|---|---|---|
Tractors*Used 2+ years add 2%; max age 10 model years | |||
| Minimum $35,000 | 180 | 4.00% | $7.40 |
| Minimum $15,000 | 120 | 3.81% | $10.04 |
| Minimum $10,000 | 84 | 3.59% | $13.48 |
| 60 | 3.27% | $18.09 | |
| 48 | 3.15% | $22.20 | |
Implements*Used 2+ years add 2%; max age 7 model years | |||
| Minimum $15,000 | 120 | 4.31% | $10.27 |
| Minimum $10,000 | 84 | 4.09% | $13.71 |
| 60 | 3.62% | $18.25 | |
| 48 | 3.40% | $22.31 |
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Unsecured, Other Secured, & Credit Cards
Interest Rates Effective July 1, 2021
| Unsecured** | Max Term | Annual Percentage Rate | Payment per $1,000 |
|---|---|---|---|
| $5,000+ | 60 | 9.32% | $20.91 |
| $3,500+ | 48 | 9.09% | $24.93 |
| $500+ | 36 | 8.61% | $31.62 |
| Other Secured | |||
| $5,000+ | 84 | 6.34% | $14.77 |
| $5,000+ | 72 | 6.11% | $16.62 |
| $5,000+ | 60 | 5.87% | $19.27 |
| $3,500+ | 48 | 5.65% | $23.33 |
| $500+ | 36 | 5.20% | $30.06 |
| Share Secured | 60 | 3.25% | $18.08 |
| CD Secured | Term of CD | CD Rate + 3.00% | Variable |
| Energy/Emergency Loan (1 loan per member, $2,500 max) | 26 | 2.50% | $39.56 |
| 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 7.95% | 2% of balance or $25 |
| Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only) | Revolving | As low as 9.95% | 2% of balance or $25 |
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Portfolio Mortgages
Interest Rates effective July 1, 2021
| Mortgage | Secondary Market | Portfolio Mortgage | |||
|---|---|---|---|---|---|
| Portfolio minimum credit score 661 | Rate (A) | APR | Payment per $1,000 | ||
| 30 Year (Portfolio minimum credit score 680) | 3.250% | 3.326% | $4.35 | ||
| 20 Year | 3.000% | 3.106% | $5.55 | ||
| 15 Year | 2.500% | 2.636% | $6.67 | ||
| 10 Year | 2.375% | 2.573% | $9.37 | ||
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Home Equity
Interest Rates effective July 1, 2021
| Home Equity Loan (closed end) (+.75% 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) | 3.750% | 3.795% | $5.93 | N/A | N/A | N/A |
| 15 Year | 3.375% | 3.433% | $7.09 | 4.250% | 4.309% | $7.52 |
| 10 Year | 3.125% | 3.208% | $9.71 | 4.000% | 4.085% | $10.12 |
| 5 Year | 3.000% | 3.053% | $17.97 | 3.875% | 4.036% | $18.36 |
| 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 (5.50)margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV | 3.250% | 3.250% | Greater of $100 or accrued finance charge during draw period | 3.500% | 3.500% | Greater of $100 or accrued finance charge during draw period |
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Mobile Homes on Land
Interest Rates effective July 1, 2021
| Mobile Home on Land | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 30 Year (2013+ min. credit score 680) | 4.375% | 4.470% | $4.99 |
| 20 Year | 4.125% | 4.255% | $6.13 |
| 15 Year | 3.875% | 4.040% | $7.33 |
| 10 Year | 3.625% | 3.862% | $9.95 |
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Land Loans
Interest Rates Effective July 1, 2021
| Land Loan | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 15 Year | 5.000% | 5.431% | $7.91 |
| 10 Year | 4.625% | 5.234% | $10.42 |
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Mobile Homes in a Park
Interest Rates effective July 1, 2021
| Mobile Homes in a Park | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 20 Year | 4.625% | 4.719% | $6.39 |
| 15 Year | 4.375% | 4.493% | $7.59 |
| 10 Year | 4.000% | 4.169% | $10.12 |
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