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, 2023.

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

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

Auto, Truck
2019 & Newer 847.50%As low as 7.57%$15.37
727.18%As low as 6.93%$17.14
606.60%As low as 6.70%$19.66
486.35%As low as 6.47%$23.70
366.20%As low as 6.36%$30.58
2018 Only727.85%As low as 7.93%$17.50
2013-2017607.25%As low as 7.35%$19.97
2013-2017486.75%As low as 6.87%$23.89
2013-2017366.50%As low as 6.66%$30.72
Max mileage 125,000

Motorcycle, ATV & Snowmobile
2018 & Newer
727.90%As low as 7.98%$17.53
607.15%As low as 7.25%$19.92
486.90%As low as 7.02%$23.96
366.50%As low as 6.66%$30.72
2017 Only729.00%As low as 9.08%$18.07
608.20%As low as 8.30%$20.42
2013-2017487.60%As low as 7.72%$24.28
2013-2017367.20%As low as 7.36%$31.04
Max mileage 25,000

Travel Trailers (RVs) and Boats
2018 & Newer1809.30%As low as 9.33%$10.34
1208.90%As low as 8.99%$12.66
848.25%As low as 8.32%$15.75
607.20%As low as 7.30%$19.94
486.45%As low as 6.57%$23.75
2013 to 2017848.65%As low as 8.72%$15.95
608.40%As low as 8.50%$20.52
487.45%As low as 7.57%$24.21
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+6010.85%As low as 10.95%$21.72
$3,500+
4810.60%As low as 10.72%$25.71
$500+3610.10%As low as 10.26%$32.39
Other Secured
$5,000+848.85%As low as 8.97%$16.07
$5,000+728.60%As low as 8.73%$17.89
$5,000+
608.20%As low as 8.36%$20.45
$3,500+487.95%As low as 8.14%$24.48
$500+367.45%As low as 7.70%$31.20
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 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

MortgageRate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)7.375%
7.494%
$6.91
20 Year7.125%7.276%
$7.83
15 Year6.750%
6.934%
$8.85
10 Year6.750%
7.008%
$11.48
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)		7.500%
7.580%
$8.06N/AN/AN/A
15 Year7.000%
7.100%
$8.99
7.250%
7.347%
$9.13
10 Year7.000%
7.134%
$11.61
7.250%
7.386%
$11.74
5 Year6.750%
6.996%
$19.68
7.000%
7.249%
$19.80
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 (8.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV8.500%8.500%Greater of $100 or accrued finance charge during draw period8.750%8.750%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
(2016+ min. credit score 680)		7.625%
7.763%
$7.08
20 Year7.500%
7.677%
$8.06
15 Year7.250%
7.466%
$9.13
10 Year7.250%
7.552%
$11.74
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 Year8.000%
8.145%
$8.36
15 Year7.750%
7.927%
$9.41
10 Year7.750%
7.995%
$12.00
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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