Loan Rates

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

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

Interest Rates Effective July 1, 2021

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

Auto, Truck

2016 & Newer 842.99%3.04%$13.23
722.24%2.30%$14.88
602.14%2.21%$17.62
481.99%2.07%$21.73
361.89%2.00%$28.64
2015 Only725.00%5.06%$16.13
2015 Only604.25%4.32%$18.56
2011-2015483.75%3.83%$22.50
2011-2015363.25%3.36%$29.24
Max mileage 125,000

Motorcycle, ATV & Snowmobile

2016 & Newer
723.24%3.30%$15.33
603.14%3.21%$18.06
482.99%3.07%$22.17
362.89%3.00%$29.08
2015 Only724.89%4.95%$16.08
2015 Only604.64%4.71%$18.74
2011-2015484.15%4.23%$22.68
2011-2015363.89%4.00%$29.52
Max mileage 25,000

Travel Trailers (RVs) and Boats

2016 & Newer1804.49%4.51%$7.65
1203.74%3.80%$10.03
843.55%3.60%$13.49
603.49%3.56%$18.22
482.99%3.07%$22.17
2011 to 2015845.35%5.40%$14.32
605.10%5.17%$18.95
484.85%4.93%$23.00
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Tractors

Interest Rates Effective July 1, 2021

YearMax TermAnnual Percentage RateMonthly Interest Payment per $1,000

Tractors

*Used 2+ years add 2%; max age 10 model years
Minimum $35,000 1804.00%$7.40
Minimum $15,0001203.81%$10.04
Minimum $10,000843.59%$13.48
603.27%$18.09
483.15%$22.20

Implements

*Used 2+ years add 2%; max age 7 model years
Minimum $15,0001204.31%$10.27
Minimum $10,000844.09%$13.71
603.62%$18.25
483.40%$22.31
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Unsecured, Other Secured, & Credit Cards

Interest Rates Effective July 1, 2021

Unsecured**Max TermAnnual Percentage RatePayment per $1,000
$5,000+609.32%$20.91
$3,500+
489.09%$24.93
$500+368.61%$31.62
Other Secured
$5,000+846.34%$14.77
$5,000+726.11%$16.62
$5,000+
605.87%$19.27
$3,500+485.65%$23.33
$500+365.20%$30.06
Share Secured
603.25%$18.08
CD Secured
Term of CDCD Rate + 3.00%Variable
Energy/Emergency Loan (1 loan per member, $2,500 max)262.50%$39.56
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 7.95%2% of balance or $25
Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only)RevolvingAs low as 9.95%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

Interest Rates effective July 1, 2021

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)3.250%3.326%$4.35
20 Year3.000%3.106%$5.55
15 Year2.500%2.636%$6.67
10 Year2.375%2.573%$9.37
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Home Equity

Interest Rates effective July 1, 2021

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)
3.750%3.795%$5.93N/AN/AN/A
15 Year3.375%3.433%$7.094.250%4.309%$7.52
10 Year3.125%3.208%$9.714.000%4.085%$10.12
5 Year3.000%3.053%$17.973.875%4.036%$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 & LTV3.250%3.250%Greater of $100 or accrued finance charge during draw period3.500%3.500%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

Interest Rates effective July 1, 2021

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2013+ min. credit score 680)
4.375%4.470%$4.99
20 Year4.125%4.255%$6.13
15 Year3.875%4.040%$7.33
10 Year3.625%3.862%$9.95
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Land Loans

Interest Rates Effective July 1, 2021

Land LoanRate (A)APRPayment per $1,000
15 Year5.000%5.431%$7.91
10 Year4.625%5.234%$10.42
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Mobile Homes in a Park

Interest Rates effective July 1, 2021

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year4.625%4.719%$6.39
15 Year4.375%4.493%$7.59
10 Year4.000%4.169%$10.12
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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