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 June 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 845.99%As low as 6.09%$14.65
725.50%As low as 5.62%$16.39
604.50%As low as 4.64%$18.71
484.35%As low as 4.52%$22.81
364.25%As low as 4.47%$29.73
2022 Only726.45%As low as 6.57%$16.84
2019-2022605.95%As low as 6.09%$19.37
2019-2022485.45%As low as 5.62%$23.31
2019-2022365.30%As low as 5.52%$30.21
Max mileage 100,000

Motorcycle, ATV & Snowmobile
2023 & Newer
726.55%As low as 6.67%$16.89
605.55%As low as 5.69%$19.19
485.30%As low as 5.47%$23.24
364.90%As low as 5.12%$30.03
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
605.90%As low as 6.04%$19.35
485.15%As low as 5.32%$23.17
2022 Only846.95%As low as 7.05%$15.12
2019-2022606.20%As low as 6.34%$19.49
485.25%As low as 5.42%$23.22
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+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+848.40%As low as 8.50%$15.84
$5,000+728.15%As low as 8.27%$17.67
$5,000+
607.75%As low as 7.89%$20.22
$3,500+487.50%As low as 7.67%$24.26
$500+367.00%As low as 7.22%$30.98
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%
6.475%
$6.24
20 Year6.250%6.381%
$7.31
15 Year6.000%
6.162%
$8.44
10 Year5.875%6.103%
$11.04
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%
6.580%
$7.46N/AN/AN/A
15 Year6.375%
6.475%
$8.64
6.625%
6.726%
$8.78
10 Year6.250%
6.389%
$11.23
6.500%
6.641%
$11.35
5 Year6.000%
6.258%
$19.33
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.

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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%
6.727%
$6.40
20 Year6.500%
6.633%
$7.46
15 Year6.375%
6.540%
$8.64
10 Year6.125%
6.356%
$11.16
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 Year6.750%
6.832%
$7.60
15 Year6.625%
6.726%
$8.78
10 Year6.375%
6.515%
$11.29
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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