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 December 1, 2025.

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

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

Auto, Truck
2023 & Newer 845.85%As low as 5.95%$14.59
725.35%As low as 5.47%$16.32
604.85%As low as 4.99%$18.87
484.50%As low as 4.67%$22.88
364.35%As low as 4.57%$29.78
2022 Only727.00%As low as 7.12%$17.11
2019-2022606.50%As low as 6.64%$19.63
2019-2022486.00%As low as 6.17%$23.56
2019-2022365.85%As low as 6.07%$30.46
Max mileage 110,000

Motorcycle, ATV & Snowmobile
2023 & Newer
726.60%As low as 6.72%$16.91
605.85%As low as 5.99%$19.33
485.60%As low as 5.77%$23.38
365.20%As low as 5.42%$30.16
2022 Only729.20%As low as 9.32%$18.19
607.20%As low as 7.34%$19.96
2019-2022486.60%As low as 6.77%$23.84
2019-2022366.20%As low as 6.42%$30.61
Max mileage 25,000

Travel Trailers (RVs) and Boats
2023 & Newer1808.35%As low as 8.38%$9.78
1207.95%As low as 8.06%$12.16
847.45%As low as 7.55%$15.36
606.70%As low as 6.84%$19.73
485.95%As low as 6.12%$23.54
2022 Only847.60%As low as 7.70%$15.44
2019-2022607.35%As low as 7.49%$20.03
486.40%As low as 6.57%$23.75
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%$33.09
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)6.375%
6.505%
$6.24
20 Year6.125%6.422%
$7.24
15 Year5.750%
6.118%
$8.30
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)		6.500%
6.588%
$7.46N/AN/AN/A
15 Year6.000%
6.107%
$8.44
6.500%
6.610%
$8.71
10 Year5.875%
6.025%
$11.04
6.375%
6.530%
$11.29
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 & LTV7.000%7.000%Greater of $100 or accrued finance charge during draw period7.250%7.250%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)		6.625%
6.758%
$6.40
20 Year6.375%
6.547%
$10.12
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.

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Mobile Homes in a Park

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year6.625%
6.780%
$7.53
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.

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