Loan Rates
Home Mortgages
Rates Effective January 1, 2020
| Mortgage | Secondary Market | Portfolio Mortgage | |||
|---|---|---|---|---|---|
| Portfolio minimum credit score 661 | Rate (A) | APR | Payment per $1,000 | ||
| 30 Year | 3.875% | 3.954% | $4.70 | ||
| 20 Year | 3.625% | 3.734% | $5.86 | ||
| 15 Year | 3.125% | 3.263% | $6.97 | ||
| 10 Year | 3.125% | 3.326% | $9.71 | ||
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Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats
Rates Effective January 1, 2020
| Year | Max Term | Rate | APR | Monthly Payment per $1,000 |
|---|---|---|---|---|
Auto, Truck | ||||
| 2019 & Newer (Min. $25,000) | 84 | 4.25% | 4.33% | $13.79 |
| 2019 & Newer (Min. $15,000) | 72 | 3.70% | 3.85% | $15.51 |
| 2019 & Newer | 60 | 3.25% | 3.43% | $18.08 |
| 2017-2018 | 60 | 3.50% | 3.68% | $18.20 |
| 2014-2016 | 48 | 3.75% | 3.97% | $22.47 |
| 2013 & older | 36 | 4.75% | 5.04% | $29.87 |
| Maximum mileage 125,000 | 60 month max mile 75,000 | max term over 75,000 miles 48 months | ||
Motorcycle, ATV & Snowmobile | ||||
| 2019 & Newer (Min. $15,000) | 72 | 4.25% | 4.40% | $15.76 |
| 2018 & Newer | 60 | 4.00% | 4.18% | $18.42 |
| 2016 & Newer | 48 | 4.25% | 4.47% | $22.70 |
| 2015 & Older | 36 | 4.90% | 5.19% | $29.93 |
Travel Trailers (RVs) and Boats | ||||
| 2019 & Newer (Minimum $35,000) | 180 | 5.00% | 5.03% | $7.91 |
| 2017 & Newer (Minimum $25,000) | 120 | 4.75% | 4.81% | $10.49 |
| 2016 & Newer | 84 | 4.50% | 4.63% | $13.90 |
| 2013 & Newer | 60 | 4.25% | 4.43% | $18.53 |
| 2012 & Older | 48 | 4.75% | 4.97% | $22.92 |
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Home Equity
Rates Effective January 1, 2020
| 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) | 4.250% | 4.301% | $6.19 | N/A | N/A | N/A |
| 15 Year | 3.875% | 3.940% | $7.33 | 4.250% | 4.315% | $7.52 |
| 10 Year | 3.625% | 3.718% | $9.95 | 4.000% | 4.094% | $10.12 |
| 5 Year | 3.625% | 3.802% | $18.25 | 3.875% | 4.053% | $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 | 4.250% | 4.250% | Greater of $100 or accrued finance charge during draw period | 4.500% | 4.500% | Greater of $100 or accrued finance charge during draw period |
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Mobile Homes on Land
Rates Effective January 1, 2020
| Mobile Home on Land | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 30 Year (2013+ min. credit score 661) | 4.625% | 4.722% | $5.14 |
| 20 Year | 4.250% | 4.381% | $6.19 |
| 15 Year | 3.875% | 4.040% | $7.33 |
| 10 Year | 3.750% | 3.988% | $10.01 |
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Land Loans
Rates Effective January 1, 2020
| Land Loan | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 15 Year | 4.875% | 5.304% | $7.84 |
| 10 Year | 4.750% | 5.361% | $10.48 |
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Mobile Homes in a Park
Rates Effective January 1, 2020
| Mobile Homes in a Park | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 20 Year | 4.750% | 4.831% | $6.46 |
| 15 Year | 4.500% | 4.602% | $7.65 |
| 10 Year | 4.000% | 4.145% | $10.12 |
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Unsecured Loans
Rates Effective January 1, 2020
| Unsecured** | Max Term | Rate | APR | Payment per $1,000 |
|---|---|---|---|---|
| $5,000 or more (minimum credit score 661) | 60 | 9.25% | 9.46% | $20.89 |
| $3,500 or more | 48 | 8.75% | 9.08% | $24.78 |
| $500 or more | 36 | 8.25% | 8.82% | $31.47 |
| 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 | 4.50% | 4.65% | $15.88 |
| 60 | 4.25% | 4.32% | $18.53 | |
| 48 | 4.00% | 4.08% | $22.58 | |
| 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% | 15.00% | $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 |
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