Loan Rates
Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats
Interest Rates Effective September 1, 2021
| Year | Max Term | Interest Rate | Annual Percentage Rate | Monthly Interest Payment per $1,000 |
|---|---|---|---|---|
Auto, Truck | ||||
| 2016 & Newer | 84 | 3.20% | 3.25% | $13.33 |
| 72 | 2.70% | 2.76% | $15.08 | |
| 60 | 2.45% | 2.52% | $17.75 | |
| 48 | 2.30% | 2.38% | $21.86 | |
| 36 | 2.20% | 2.31% | $28.78 | |
| 2015 Only | 72 | 6.65% | 6.71% | $16.19 |
| 2015 Only | 60 | 5.90% | 5.97% | $19.32 |
| 2011-2015 | 48 | 5.00% | 5.08% | $23.07 |
| 2011-2015 | 36 | 4.90% | 5.01% | $29.98 |
| Max mileage 125,000 | ||||
Motorcycle, ATV & Snowmobile | ||||
| 2016 & Newer | 72 | 3.50% | 3.56% | $15.44 |
| 60 | 3.40% | 3.47% | $18.18 | |
| 48 | 3.25% | 3.33% | $22.28 | |
| 36 | 3.15% | 3.26% | $29.20 | |
| 2015 Only | 72 | 6.00% | 6.06% | $16.60 |
| 2015 Only | 60 | 5.75% | 5.82% | $19.25 |
| 2011-2015 | 48 | 5.25% | 5.33% | $23.18 |
| 2011-2015 | 36 | 5.00% | 5.11% | $30.02 |
| Max mileage 25,000 | ||||
Travel Trailers (RVs) and Boats | ||||
| 2016 & Newer | 180 | 5.49% | 5.51% | $8.18 |
| 120 | 4.49% | 4.55% | $10.39 | |
| 84 | 3.49% | 3.54% | $13.46 | |
| 60 | 3.24% | 3.31% | $18.11 | |
| 48 | 2.99% | 3.07% | $22.17 | |
| 2011 to 2015 | 84 | 5.50% | 5.55% | $14.39 |
| 60 | 5.25% | 5.32% | $19.02 | |
| 48 | 5.00% | 5.08% | $23.07 |
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Tractors
Interest Rates Effective September 1, 2021
| Year | Max Term | Annual Percentage Rate | Monthly Interest Payment per $1,000 |
|---|---|---|---|
Tractors*Used 2+ years add 2%; max age 10 model years | |||
| Minimum $35,000 | 180 | 5.40% | $8.12 |
| Minimum $15,000 | 120 | 4.31% | $10.27 |
| Minimum $10,000 | 84 | 3.99% | $13.66 |
| 60 | 3.67% | $18.27 | |
| 48 | 3.55% | $22.38 | |
Implements*Used 2+ years add 2%; max age 7 model years | |||
| Minimum $15,000 | 120 | 5.47% | $10.84 |
| Minimum $10,000 | 84 | 4.74% | $14.01 |
| 60 | 4.27% | $18.54 | |
| 48 | 4.05% | $22.60 |
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Unsecured, Other Secured, & Credit Cards
Interest Rates Effective September 1, 2021
| Unsecured** | Max Term | Annual Percentage Rate | Payment per $1,000 |
|---|---|---|---|
| $5,000+ | 60 | 9.32% | $20.91 |
| $3,500+ | 48 | 9.09% | $24.93 |
| $500+ | 36 | 8.61% | $31.62 |
| Other Secured | |||
| $5,000+ | 84 | 6.49% | $14.85 |
| $5,000+ | 72 | 6.26% | $16.69 |
| $5,000+ | 60 | 5.87% | $19.27 |
| $3,500+ | 48 | 5.65% | $23.33 |
| $500+ | 36 | 5.20% | $30.06 |
| Share Secured | 60 | 3.25% | $18.08 |
| CD Secured | Term of CD | CD Rate + 3.00% | Variable |
| Energy/Emergency Loan (1 loan per member, $2,500 max) | 26 | 2.50% | $39.56 |
| Overdraft LOC ($5,000 Max; A+, A, B & C Credit Only) | Revolving | 15.00% | $50.00 |
| Dirigo Platinum Credit Card | Revolving | 5.95% Introductory Rate then As low as 7.95% | 2% of balance or $25 |
| Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only) | Revolving | As low as 9.95% | 2% of balance or $25 |
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Portfolio Mortgages
Interest Rates effective September1, 2021
| Mortgage | Secondary Market | Portfolio Mortgage | |||
|---|---|---|---|---|---|
| Portfolio minimum credit score 661 | Rate (A) | APR | Payment per $1,000 | ||
| 30 Year (Portfolio minimum credit score 680) | 3.125% | 3.201% | $4.28 | ||
| 20 Year | 2.875% | 2.981% | $5.48 | ||
| 15 Year | 2.375% | 2.510% | $6.61 | ||
| 10 Year | 2.250% | 2.448% | $9.31 | ||
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Home Equity
Interest Rates effective September 1, 2021
| Home Equity Loan (closed end) (+.75% 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) | 3.500% | 3.545% | $5.80 | N/A | N/A | N/A |
| 15 Year | 3.000% | 3.057% | $6.91 | 4.000% | 4.058% | $7.40 |
| 10 Year | 2.875% | 2.957% | $9.60 | 3.875% | 3.959% | $10.07 |
| 5 Year | 2.875% | 3.034% | $17.91 | 3.875% | 4.036% | $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 | 3.250% | 3.250% | Greater of $100 or accrued finance charge during draw period | 3.500% | 3.500% | Greater of $100 or accrued finance charge during draw period |
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Mobile Homes on Land
Interest Rates effective September 1, 2021
| Mobile Home on Land | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 30 Year (2013+ min. credit score 680) | 4.250% | 4.345% | $4.92 |
| 20 Year | 4.000% | 4.129% | $6.06 |
| 15 Year | 3.750% | 3.915% | $7.27 |
| 10 Year | 3.625% | 3.862% | $9.95 |
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Land Loans
Interest Rates Effective September 1, 2021
| Land Loan | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 15 Year | 5.000% | 5.431% | $7.91 |
| 10 Year | 4.625% | 5.234% | $10.42 |
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Mobile Homes in a Park
Interest Rates effective September 1, 2021
| Mobile Homes in a Park | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 20 Year | 4.500% | 4.593% | $6.33 |
| 15 Year | 4.250% | 4.368% | $7.52 |
| 10 Year | 4.000% | 4.169% | $10.13 |
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