Loan Rates

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

Rates Effective April 1, 2020

YearMax Term RateAPRMonthly Payment per $1,000

Auto, Truck

2019 & Newer (Min. $15,000)843.72%3.85%$13.54
2019 & Newer723.25%3.40%$15.31
2019 & Newer602.92%3.10%$17.93
2017-2018 603.22%3.40%$18.07
2014-2016483.78%4.00%$22.48
2013 & older

364.71%5.00%$29.84
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)
723.85%4.00%$15.58
2018 & Newer 603.62%3.80%$18.25
2016 & Newer484.03%4.25%$22.58
2015 & Older
364.51%4.80%$29.75

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 Mortgages

Rates effective April 2, 2020

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 661)3.375%3.452%$4.42
20 Year3.125%3.232%$5.61
15 Year2.750%2.887%$6.79
10 Year2.500%2.698%$9.43

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Home Equity

Rates effective April 2, 2020

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)
3.750%3.795%$4.94N/AN/AN/A
15 Year3.250%3.307%$5.864.250%4.315%$7.52
10 Year3.000%3.083%$8.054.000%4.094%$10.12
5 Year3.000%3.159%$14.973.875%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 & 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

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Mobile Homes on Land

Rates effective April 2, 2020

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2013+ min. credit score 661)
3.875%3.968%$4.70
20 Year3.625%3.753%$5.86
15 Year3.375%3.538%$7.09
10 Year3.375%3.611%$9.83

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Land Loans

Rates Effective April 1, 2020

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 April 2, 2020

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year4.000%4.079%$5.05
15 Year3.500%3.600%$5.96
10 Year3.500%3.644%$8.24

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Unsecured Loans

Rates Effective April 1, 2020

Unsecured**Max TermRateAPRPayment per $1,000
$5,000 or more (minimum credit score 661)609.50%9.72%$21.00
$3,500 or more489.25%9.58%$25.00
$500 or more
368.75%9.32%$31.68
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 $25,000)
844.75%4.83%$14.02
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)262.50%2.50%$39.56
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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