Loan Rates

Dirigo FCU › Loans › Loan Rates

Loan Rates

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

Contact Us
View Disclosures
Interest Rates Effective March 1, 2026.

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

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

Auto, Truck
2023 & Newer 845.55%As low as 5.65%$14.44
725.15%As low as 5.27%$16.23
604.40%As low as 4.54%$18.66
484.35%As low as 4.52%$22.81
364.25%As low as 4.47%$29.73
2022 Only726.65%As low as 6.77%$16.94
2019-2022606.15%As low as 6.29%$19.47
2019-2022485.65%As low as 5.82%$23.40
2019-2022365.50%As low as 5.72%$30.30
Max mileage 100,000

Motorcycle, ATV & Snowmobile
2023 & Newer
726.40%As low as 6.52%$16.82
605.65%As low as 5.79%$19.23
485.40%As low as 5.57%$23.29
365.00%As low as 5.22%$30.07
2022 Only729.00%As low as 9.12%$18.09
607.00%As low as 7.14%$19.87
2019-2022486.40%As low as 6.57%$23.75
2019-2022366.00%As low as 6.22%$30.52
Max mileage 25,000

Travel Trailers (RVs) and Boats
2023 & Newer1807.35%As low as 7.38%$9.20
1207.20%As low as 7.31%$11.77
846.70%As low as 6.80%$15.00
606.10%As low as 6.24%$19.44
485.35%As low as 5.52%$23.27
2022 Only846.95%As low as 7.05%$15.12
2019-2022606.70%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.

View Disclosures

Unsecured, Other Secured, & Credit Cards

Unsecured**Max TermInterest RatesAnnual Percentage RatePayment per $1,000
$5,000+6010.25%As low as 10.39%$21.44
$3,500+
4810.00%As low as 10.18%$25.45
$500+369.50%As low as 9.73%$32.14
Other Secured
$5,000+847.65%As low as 7.80%$15.48
$5,000+727.40%As low as 7.57%$17.32
$5,000+
607.00%As low as 7.20%$19.89
$3,500+486.75%As low as 6.99%$23.94
$500+366.25%As low as 6.56%$30.68
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.

View Disclosures

Portfolio Mortgages

MortgageRate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)5.750%
5.845%
$5.84
20 Year5.750%5.877%
$7.02
15 Year5.625%
5.784%
$8.24
10 Year5.500%5.793%
$10.85
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)		6.250%
6.296%
$7.31N/AN/AN/A
15 Year6.000%
6.107%
$8.44
6.500%
6.531%
$8.71
10 Year5.750%
5.828%
$10.98
6.250%
6.293%
$11.23
5 Year5.750%
6.030%
$19.22
6.250%
6.537%
$19.45
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 (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV6.750%6.750%Greater of $100 or accrued finance charge during draw period7.000%7.000%Greater of $100 or accrued finance charge during draw period
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

View Disclosures

Mobile Homes on Land

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2018+ min. credit score 680)		6.500%
6.584%
$6.32
20 Year6.250%
6.359%
$7.31
15 Year6.000%
6.211%
$10.62
10 Year5.875%
6.172%
$12.37
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

View Disclosures

Mobile Homes in a Park

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year6.500%
6.580%
$7.46
15 Year6.375%
6.566%
$8.64
10 Year6.250%
6.518%
$11.23
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

View Disclosures