Loan Rates

Home Mortgages

Rates Effective December 1, 2019

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year3.875%3.954%$4.70
20 Year3.625%3.734%$5.86
15 Year3.125%3.263%$6.97
10 Year3.125%3.326%$9.71

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

Rates Effective December 1, 2019

YearMax Term RateAPRMonthly Payment per $1,000

Auto, Truck

2019 & Newer (Min. $25,000)844.25%4.33%$13.79
2019 & Newer (Min. $15,000)723.70%3.85%$15.51
2019 & Newer603.25%3.43%$18.08
2017-2018 603.50%3.68%$18.20
2014-2016483.75%3.97%$22.47
2013 & older

364.75%5.04%$29.87
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)
724.25%4.40%$15.76
2018 & Newer 604.00%4.18%$18.42
2016 & Newer484.25%4.47%$22.70
2015 & Older
364.90%5.19%$29.93

Travel Trailers (RVs) and Boats

2019 & Newer
(Minimum $35,000)
1805.00%5.03%$7.91
2017 & Newer (Minimum $25,000)1204.75%4.81%$10.49
2016 & Newer844.50%4.63%$13.90
2013 & Newer604.25%4.43%$18.53
2012 & Older
484.75%4.97%$22.92

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Home Equity

Rates Effective December 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)
4.250%4.301%$6.19N/AN/AN/A
15 Year3.875%3.940%$7.334.250%4.315%$7.52
10 Year3.625%3.718%$9.954.000%4.094%$10.12
5 Year3.625%3.802%$18.253.875%4.053%$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 & LTV4.250%4.250%Greater of $100 or accrued finance charge during draw period4.500%4.500%Greater of $100 or accrued finance charge during draw period

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Mobile Homes on Land

Rates Effective December 1, 2019

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2013+ min. credit score 661)
4.625%4.722%$5.14
20 Year4.250%4.381%$6.19
15 Year3.875%4.040%$7.33
10 Year3.750%3.988%$10.01

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Land Loans

Rates Effective December 1, 2019

Land LoanRate (A)APRPayment per $1,000
15 Year4.875%5.304%$7.84
10 Year4.750%5.361%$10.48

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Mobile Homes in a Park

Rates Effective December 1, 2019

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year4.750%4.831%$6.46
15 Year4.500%4.602%$7.65
10 Year4.000%4.145%$10.12

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Unsecured Loans

Rates Effective December 1, 2019

Unsecured**Max TermRateAPRPayment per $1,000
$5,000 or more (minimum credit score 661)609.25%9.46%$20.89
$3,500 or more488.75%9.08%$24.78
$500 or more
368.25%8.82%$31.47
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)
724.50%4.65%$15.88
604.25%4.32%$18.53
484.00%4.08%$22.58
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%15.00%$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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