Loan Rates

Home Mortgages

Rates Effective February 1, 2019

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year4.625%4.703%$5.14
20 Year4.375%4.481%$6.26
15 Year4.000%4.134%$7.40
10 Year4.000%4.193%$10.12

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

Rates Effective February 1, 2019

YearMax Term RateAPRMonthly Payment per $1,000

Auto, Truck

2018 & Newer (Min. $25,000)844.50%4.58%$13.90
2018 & Newer (Min. $15,000)724.00%4.15%$15.65
2018 & Newer603.25%3.43%$18.08
2015-2017 603.90%4.08%$18.37
2013-2014 484.25%4.47%$22.69
2012 & older

365.00%5.30%$29.97
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)
724.50%4.65%$15.88
2017 & Newer 604.10%4.28%$18.46
2015 & Newer484.75%4.97%$22.91
2014 & Older
365.00%5.30%$29.97

Travel Trailers (RVs) and Boats

2018 & Newer
(Minimum $35,000)
1805.50%5.53%$8.17
2017 & Newer (Minimum $25,000)1205.00%5.06%$10.61
2015 & Newer844.75%4.88%$14.02
2012 & Newer605.00%5.18%$18.87
2011 & Older
365.50%5.80%$30.19

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Home Equity

Rates Effective February 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)
4.750%4.787%$6.46N/AN/AN/A
15 Year4.500%4.547%$7.654.750%4.797%$7.78
10 Year4.250%4.317%$10.244.500%4.567%$10.36
5 Year4.000%4.127%$18.424.250%4.377%$18.53
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 (3.75) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV5.000%5.000%Greater of $100 or accrued finance charge during draw period5.250%5.250%Greater of $100 or accrued finance charge during draw period

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Mobile Homes on Land

Rates Effective February 1, 2019

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2012+ min. credit score 661)
5.625%5.708%$5.76
20 Year5.375%5.485%$6.81
15 Year5.000%5.137%$7.91
10 Year4.750%4.946%$10.49

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Land Loans

Rates Effective February 1, 2019

Land LoanRate (A)APRPayment per $1,000
15 Year5.750%6.177%$8.30
10 Year5.500%6.103%$10.85

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Mobile Homes in a Park

Rates Effective February 1, 2019

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year5.750%5.794%$7.02
15 Year5.500%5.555%$8.17
10 Year5.250%5.328%$10.73

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Unsecured Loans

Rates Effective February 1, 2019

Unsecured**Max TermRateAPRPayment per $1,000
$5,000 or more (minimum credit score 661)609.99%10.10%$21.24
$3,500 or more489.50%9.63%$25.12
$500 or more
368.75%8.92%$31.68
PERSONAL LOAN SALE (new money only) Unsecured**Max TermRateAPRPayment per $1,000
$5,000 or more (minimum credit score 661)607.95%8.06%$20.26
$3,501 - $10,000487.95%8.21%$24.39
$500 - $3,500
366.95%7.43%$30.86
Normal LLPA's do not apply to special:add 4% to rates for D & E Credit (<661) for special
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)
725.00%5.15%$16.10
604.50%4.68%$18.64
484.25%4.47%$22.69
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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