Loan Rates

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Loan Rates

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

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Interest Rates Effective August 1, 2025.

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

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

Auto, Truck
2021 & Newer 846.00%As low as 6.10%$14.66
725.50%As low as 5.62%$16.39
605.00%As low as 5.14%$18.93
484.65%As low as 4.82%$22.95
364.50%As low as 4.72%$29.85
2020 Only727.05%As low as 7.17%$17.13
2017-2020606.60%As low as 6.74%$19.68
2017-2020486.00%As low as 6.17%$23.56
2017-2020365.65%As low as 5.87%$30.36
Max mileage 110,000

Motorcycle, ATV & Snowmobile
2021 & Newer
726.65%As low as 6.77%$16.94
605.90%As low as 6.04%$19.35
485.65%As low as 5.82%$23.40
365.25%As low as 5.47%$30.18
2020 Only729.00%As low as 9.12%$18.09
607.00%As low as 7.14%$19.87
2017-2020486.40%As low as 6.57%$23.75
2017-2020366.00%As low as 6.22%$30.52
Max mileage 25,000

Travel Trailers (RVs) and Boats
2021 & Newer1807.65%As low as 7.68%$9.37
1207.25%As low as 7.36%$11.79
846.75%As low as 6.85%$15.02
606.00%As low as 6.14%$19.40
485.25%As low as 5.42%$23.22
2020 Only846.95%As low as 7.05%$15.12
2017-2020606.70%As low as 6.84%$19.73
485.75%As low as 5.92%$23.45
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Unsecured, Other Secured, & Credit Cards

Unsecured**Max TermInterest RatesAnnual Percentage RatePayment per $1,000
$5,000+6012.25%As low as 12.40%$22.45
$3,500+
4812.00%As low as 12.18%$26.42
$500+3611.50%As low as 11.73%$3309
Other Secured
$5,000+848.05%As low as 8.20%$15.68
$5,000+727.80%As low as 7.97%$17.52
$5,000+
607.40%As low as 7.60%$20.08
$3,500+487.15%As low as 7.39%$24.13
$500+366.65%As low as 6.96%$30.86
Share Secured
603.50%$18.19
CD Secured
Term of CDCD Rate + 3.00%Variable
Energy/Emergency Loan (1 loan per member, $2,500 max)264.00%$40.22
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 9.95%2% of balance or $25
Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only)RevolvingAs low as 11.95%2% of balance or $25
Dirigo Business Rewards Credit CardRevolvingAs low as 13.99%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

MortgageRate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)6.750%
6.855%
$6.49
20 Year6.500%6.635%
$7.45
15 Year6.375%
6.543%
$8.64
10 Year6.250%
6.485%
$11.23
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.


Risk Based Pricing

Credit Score/Risk Based PricingA (≥720)B (680-719)C (661-679)D (620-660)*E (≤619)*
LLPA added to Par (A) RateParLLPA .25LLPA 1.00LLPA 2.00LLPA 2.50
LLPA Cash out refi >75% LTV-origination fee (points) added to closing costs (1st Mortgages Only) Home Improvement excluded0.751.502.503.504.00


Home Equity

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)		6.875%
6.932%
$7.68N/AN/AN/A
15 Year6.625%
6.675%
$8.78
6.875%
6.988%
$8.92
10 Year6.500%
6.598%
$11.35
6.750%
6.907%
$11.48
5 Year6.375%
6.556%
$19.51
6.6.25%
6.917%
$19.62
Home Equity Line of Credit
80% LTVRATE (A) - Base
Prime +0		APR-Adjusts Monthly based on IndexPayment per $1000RATE (A) - Base
Prime +.25		APR-Adjusts Monthly based on IndexPayment per $1000
80% LTV Prime (7.50) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV7.500%7.500%Greater of $100 or accrued finance charge during draw period7.750%7.750%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

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2018+ min. credit score 680)		6.875%
6.981%
$6.57
20 Year6.750%
6.887%
$7.60
15 Year6.500%
6.669%
$8.71
10 Year6.375%
6.612%
$11.29
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Mobile Homes in a Park

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year6.875%
6.965%
$7.68
15 Year6.750%
6.861%
$8.85
10 Year6.625%
6.780%
$11.42
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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