Loan Rates

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Loan Rates

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

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Interest Rates Effective July 1, 2025.

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

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

Auto, Truck
2021 & Newer 846.35%As low as 6.45%$14.83
725.75%As low as 5.87%$16.51
605.25%As low as 5.39%$19.05
484.90%As low as 5.07%$23.06
364.75%As low as 4.97%$29.96
2020 Only727.35%As low as 7.47%$17.27
2017-2020606.90%As low as 7.04%$19.82
2017-2020486.30%As low as 6.47%$23.70
2017-2020365.95%As low as 6.17%$30.50
Max mileage 110,000

Motorcycle, ATV & Snowmobile
2021 & Newer
726.90%As low as 7.02%$17.06
606.15%As low as 6.29%$19.47
485.90%As low as 6.07%$23.52
365.50%As low as 5.72%$30.30
2020 Only729.25%As low as 9.37%$18.21
607.25%As low as 7.39%$19.99
2017-2020486.65%As low as 6.82%$23.86
2017-2020366.25%As low as 6.47%$30.64
Max mileage 25,000

Travel Trailers (RVs) and Boats
2021 & Newer1807.90%As low as 7.93%$9.52
1207.50%As low as 7.61%$11.93
847.00%As low as 7.10%$15.14
606.25%As low as 6.39%$19.51
485.50%As low as 5.67%$23.33
2020 Only847.20%As low as 7.30%$15.24
2017-2020606.95%As low as 7.09%$19.84
486.00%As low as 6.17%$23.56
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Unsecured, Other Secured, & Credit Cards

Unsecured**Max TermInterest RatesAnnual Percentage RatePayment per $1,000
$5,000+6012.25%As low as 12.40%$22.45
$3,500+
4812.00%As low as 12.18%$26.42
$500+3611.50%As low as 11.73%$3309
Other Secured
$5,000+848.25%As low as 8.40%$15.78
$5,000+728.00%As low as 8.17%$17.62
$5,000+
607.60%As low as 7.80%$20.18
$3,500+487.35%As low as 7.59%$24.22
$500+366.85%As low as 7.16%$30.95
Share Secured
603.50%$18.19
CD Secured
Term of CDCD Rate + 3.00%Variable
Energy/Emergency Loan (1 loan per member, $2,500 max)264.00%$40.22
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 9.95%2% of balance or $25
Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only)RevolvingAs low as 11.95%2% of balance or $25
Dirigo Business Rewards Credit CardRevolvingAs low as 13.99%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

MortgageRate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)6.625%
6.729%
$6.40
20 Year6.500%6.635%
$7.45
15 Year6.375%
6.543%
$8.64
10 Year6.250%
6.485%
$11.23
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.


Risk Based Pricing

Credit Score/Risk Based PricingA (≥720)B (680-719)C (661-679)D (620-660)*E (≤619)*
LLPA added to Par (A) RateParLLPA .25LLPA 1.00LLPA 2.00LLPA 2.50
LLPA Cash out refi >75% LTV-origination fee (points) added to closing costs (1st Mortgages Only) Home Improvement excluded0.751.502.503.504.00


Home Equity

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)		6.750%
6.790%
$7.60N/AN/AN/A
15 Year6.625%
6.675%
$8.78
6.875%
6.988%
$8.92
10 Year6.500%
6.598%
$11.35
6.750%
6.907%
$11.48
5 Year6.375%
6.556%
$19.51
6.6.25%
6.917%
$19.62
Home Equity Line of Credit
80% LTVRATE (A) - Base
Prime +0		APR-Adjusts Monthly based on IndexPayment per $1000RATE (A) - Base
Prime +.25		APR-Adjusts Monthly based on IndexPayment per $1000
80% LTV Prime (7.50) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV7.500%7.500%Greater of $100 or accrued finance charge during draw period7.750%7.750%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

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2018+ min. credit score 680)		6.875%
6.981%
$6.57
20 Year6.750%
6.887%
$7.60
15 Year6.500%
6.669%
$8.71
10 Year6.375%
6.612%
$11.29
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Mobile Homes in a Park

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year6.875%
6.965%
$7.68
15 Year6.750%
6.861%
$8.85
10 Year6.625%
6.780%
$11.42
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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