Loan Rates

Competitive, low-rate loans to help you reach new goals. Contact our team today to learn more.

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

Interest Rates Effective September 1, 2021

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

Auto, Truck

2016 & Newer 843.20%3.25%$13.33
722.70%2.76%$15.08
602.45%2.52%$17.75
482.30%2.38%$21.86
362.20%2.31%$28.78
2015 Only726.65%6.71%$16.19
2015 Only605.90%5.97%$19.32
2011-2015485.00%5.08%$23.07
2011-2015364.90%5.01%$29.98
Max mileage 125,000

Motorcycle, ATV & Snowmobile

2016 & Newer
723.50%3.56%$15.44
603.40%3.47%$18.18
483.25%3.33%$22.28
363.15%3.26%$29.20
2015 Only726.00%6.06%$16.60
2015 Only605.75%5.82%$19.25
2011-2015485.25%5.33%$23.18
2011-2015365.00%5.11%$30.02
Max mileage 25,000

Travel Trailers (RVs) and Boats

2016 & Newer1805.49%5.51%$8.18
1204.49%4.55%$10.39
843.49%3.54%$13.46
603.24%3.31%$18.11
482.99%3.07%$22.17
2011 to 2015845.50%5.55%$14.39
605.25%5.32%$19.02
485.00%5.08%$23.07
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Tractors

Interest Rates Effective September 1, 2021

YearMax TermAnnual Percentage RateMonthly Interest Payment per $1,000

Tractors

*Used 2+ years add 2%; max age 10 model years
Minimum $35,000 1805.40%$8.12
Minimum $15,0001204.31%$10.27
Minimum $10,000843.99%$13.66
603.67%$18.27
483.55%$22.38

Implements

*Used 2+ years add 2%; max age 7 model years
Minimum $15,0001205.47%$10.84
Minimum $10,000844.74%$14.01
604.27%$18.54
484.05%$22.60
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Unsecured, Other Secured, & Credit Cards

Interest Rates Effective September 1, 2021

Unsecured**Max TermAnnual Percentage RatePayment per $1,000
$5,000+609.32%$20.91
$3,500+
489.09%$24.93
$500+368.61%$31.62
Other Secured
$5,000+846.49%$14.85
$5,000+726.26%$16.69
$5,000+
605.87%$19.27
$3,500+485.65%$23.33
$500+365.20%$30.06
Share Secured
603.25%$18.08
CD Secured
Term of CDCD Rate + 3.00%Variable
Energy/Emergency Loan (1 loan per member, $2,500 max)262.50%$39.56
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.

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Portfolio Mortgages

Interest Rates effective September1, 2021

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)3.125%3.201%$4.28
20 Year2.875%2.981%$5.48
15 Year2.375%2.510%$6.61
10 Year2.250%2.448%$9.31
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Home Equity

Interest Rates effective September 1, 2021

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)
3.500%3.545%$5.80N/AN/AN/A
15 Year3.000%3.057%$6.914.000%4.058%$7.40
10 Year2.875%2.957%$9.603.875%3.959%$10.07
5 Year2.875%3.034%$17.913.875%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
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Mobile Homes on Land

Interest Rates effective September 1, 2021

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2013+ min. credit score 680)
4.250%4.345%$4.92
20 Year4.000%4.129%$6.06
15 Year3.750%3.915%$7.27
10 Year3.625%3.862%$9.95
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Land Loans

Interest Rates Effective September 1, 2021

Land LoanRate (A)APRPayment per $1,000
15 Year5.000%5.431%$7.91
10 Year4.625%5.234%$10.42
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Mobile Homes in a Park

Interest Rates effective September 1, 2021

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year4.500%4.593%$6.33
15 Year4.250%4.368%$7.52
10 Year4.000%4.169%$10.13
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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