Loan Rates
Home Mortgages
Rates Effective October 1, 2019
| Mortgage | Secondary Market | Portfolio Mortgage | |||
|---|---|---|---|---|---|
| Portfolio minimum credit score 661 | Rate (A) | APR | Payment per $1,000 | ||
| 30 Year | 3.625% | 3.724% | $4.56 | ||
| 20 Year | 3.500% | 3.636% | $5.80 | ||
| 15 Year | 3.000% | 3.167% | $6.91 | ||
| 10 Year | 3.000% | 3.242% | $9.66 | ||
View Disclosures
Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats
Rates Effective October 1, 2019
| Year | Max Term | Rate | APR | Monthly Payment per $1,000 |
|---|---|---|---|---|
Auto, Truck | ||||
| 2018 & Newer (Min. $25,000) | 84 | 3.90% | 3.98% | $13.62 |
| 2018 & Newer (Min. $15,000) | 72 | 3.50% | 3.65% | $15.42 |
| 2018 & Newer | 60 | 2.80% | 2.98% | $17.88 |
| 2015-2017 | 60 | 3.50% | 3.68% | $18.19 |
| 2013-2014 | 48 | 4.00% | 4.22% | $22.58 |
| 2012 & older | 36 | 4.75% | 5.04% | $29.86 |
| Maximum mileage 125,000 | 60 month max mile 75,000 | max term over 75,000 miles 48 months | ||
Motorcycle, ATV & Snowmobile | ||||
| 2018 & Newer (Min. $15,000) | 72 | 3.75% | 3.90% | $15.53 |
| 2017 & Newer | 60 | 3.00% | 3.18% | $17.97 |
| 2015 & Newer | 48 | 4.00% | 4.22% | $22.58 |
| 2014 & Older | 36 | 4.80% | 5.09% | $29.88 |
Travel Trailers (RVs) and Boats | ||||
| 2018 & Newer (Minimum $35,000) | 180 | 5.00% | 5.03% | $7.91 |
| 2017 & Newer (Minimum $25,000) | 120 | 4.50% | 4.56% | $10.37 |
| 2015 & Newer | 84 | 4.25% | 4.38% | $13.79 |
| 2012 & Newer | 60 | 4.00% | 4.18% | $18.42 |
| 2011 & Older | 36 | 4.25% | 4.54% | $29.64 |
View Disclosures
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% LTV | RATE (A) | APR | Payment per $1000 | RATE (A) | APR | Payment per $1000 |
| 20 Year (minimum $50,000) | 4.125% | 4.203% | $6.13 | N/A | N/A | N/A |
| 15 Year | 3.625% | 3.768% | $7.21 | 4.125% | 4.276% | $7.46 |
| 10 Year | 3.500% | 3.703% | $9.89 | 4.000% | 4.214% | $10.12 |
| 5 Year | 3.500% | 3.892% | $18.19 | 3.875% | 4.281% | $18.36 |
| Home Equity Line of Credit | ||||||
| 80% LTV | RATE (A) - Base Prime -.5 | APR-Adjusts Monthly based on Index | Payment per $1000 | RATE (A) - Base Prime -.25 | APR-Adjusts Monthly based on Index | Payment per $1000 |
| 80% LTV Prime (5.50)margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV | 4.500% | 4.500% | Greater of $100 or accrued finance charge during draw period | 4.750% | 4.750% | Greater of $100 or accrued finance charge during draw period |
View Disclosures
Mobile Homes on Land
Rates Effective October 1, 2019
| Mobile Home on Land | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 30 Year (2013+ min. credit score 661) | 4.625% | 4.737% | $5.14 |
| 20 Year | 4.125% | 4.270% | $6.13 |
| 15 Year | 3.875% | 4.057% | $7.33 |
| 10 Year | 3.750% | 4.010% | $10.01 |
View Disclosures
Land Loans
Rates Effective October 1, 2019
| Land Loan | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 15 Year | 5.000% | 5.487% | $7.91 |
| 10 Year | 4.750% | 5.438% | $10.48 |
View Disclosures
Mobile Homes in a Park
Rates Effective October 1, 2019
| Mobile Homes in a Park | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 20 Year | 4.750% | 4.842% | $6.46 |
| 15 Year | 4.500% | 4.614% | $7.65 |
| 10 Year | 4.000% | 4.153% | $10.12 |
View Disclosures
Unsecured Loans
Rates Effective October 1, 2019
| Unsecured** | Max Term | Rate | APR | Payment per $1,000 |
|---|---|---|---|---|
| $5,000 or more (minimum credit score 661) | 60 | 8.99% | 9.10% | $20.75 |
| $3,500 or more | 48 | 8.50% | 8.76% | $24.65 |
| $500 or more | 36 | 8.00% | 8.57% | $31.33 |
| Share Secured (No LLPA's)*** | 60 | 3.25% | 3.35% | $18.08 |
| CD Secured (No LLPA's)*** | Match CD | CD Rate + 3.00% | Variable | |
| Other Secured (Minimum $15,000) | 72 | 4.50% | 4.65% | $15.88 |
| 60 | 4.00% | 4.18% | $18.42 | |
| 48 | 3.75% | 3.97% | $22.47 | |
| Energy/Emergency Loan (No LLPA's) | 12 | 4.00% | 4.47% | $85.15 |
| Overdraft LOC ($5,000 Max, No LLPA's) A, B & C Credit Only | Revolving | 15.00% | 15.23% | $50.00 |
| Dirigo Platinum Credit Card | Revolving | 7.95% | 7.95% | 2% of balance or $25 |
| Dirigo Platinum Rewards Credit Card (A,B,C credit only) | Revolving | 9.95% | 9.95% | 2% of balance or $25 |
View Disclosures