Loan Rates

Home Mortgages

Rates Effective October 1, 2019

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year3.625%3.724%$4.56
20 Year3.500%3.636%$5.80
15 Year3.000%3.167%$6.91
10 Year3.000%3.242%$9.66

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

Rates Effective October 1, 2019

YearMax Term RateAPRMonthly Payment per $1,000

Auto, Truck

2018 & Newer (Min. $25,000)843.90%3.98%$13.62
2018 & Newer (Min. $15,000)723.50%3.65%$15.42
2018 & Newer602.80%2.98%$17.88
2015-2017 603.50%3.68%$18.19
2013-2014 484.00%4.22%$22.58
2012 & older

364.75%5.04%$29.86
Maximum mileage 125,000

60 month max mile 75,000max term over 75,000 miles 48 months

Motorcycle, ATV & Snowmobile

2018 & Newer
(Min. $15,000)
723.75%3.90%$15.53
2017 & Newer 603.00%3.18%$17.97
2015 & Newer484.00%4.22%$22.58
2014 & Older
364.80%5.09%$29.88

Travel Trailers (RVs) and Boats

2018 & Newer
(Minimum $35,000)
1805.00%5.03%$7.91
2017 & Newer (Minimum $25,000)1204.50%4.56%$10.37
2015 & Newer844.25%4.38%$13.79
2012 & Newer604.00%4.18%$18.42
2011 & Older
364.25%4.54%$29.64

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Home Equity

Rates Effective October 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)
4.125%4.203%$6.13N/AN/AN/A
15 Year3.625%3.768%$7.214.125%4.276%$7.46
10 Year3.500%3.703%$9.894.000%4.214%$10.12
5 Year3.500%3.892%$18.193.875%4.281%$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 & LTV4.500%4.500%Greater of $100 or accrued finance charge during draw period4.750%4.750%Greater of $100 or accrued finance charge during draw period

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Mobile Homes on Land

Rates Effective October 1, 2019

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2013+ min. credit score 661)
4.625%4.737%$5.14
20 Year4.125%4.270%$6.13
15 Year3.875%4.057%$7.33
10 Year3.750%4.010%$10.01

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Land Loans

Rates Effective October 1, 2019

Land LoanRate (A)APRPayment per $1,000
15 Year5.000%5.487%$7.91
10 Year4.750%5.438%$10.48

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Mobile Homes in a Park

Rates Effective October 1, 2019

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year4.750%4.842%$6.46
15 Year4.500%4.614%$7.65
10 Year4.000%4.153%$10.12

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Unsecured Loans

Rates Effective October 1, 2019

Unsecured**Max TermRateAPRPayment per $1,000
$5,000 or more (minimum credit score 661)608.99%9.10%$20.75
$3,500 or more488.50%8.76%$24.65
$500 or more
368.00%8.57%$31.33
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
604.00%4.18%$18.42
483.75%3.97%$22.47
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%15.23%$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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