Loan Rates

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

Interest Rates Effective August 1, 2022.

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

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

Auto, Truck

2017 & Newer 844.75%As low as 4.82%$14.05
724.00%As low as 4.08%$15.68
603.50%As low as 3.59%$18.23
483.00%As low as 3.12%$22.19
362.75%As low as 2.90%$29.04
2016 Only725.00%As low as 5.08%$16.14
2012-2016604.50%As low as 4.60%$18.69
2012-2016483.50%As low as 3.62%$22.41
2012-2016363.25%As low as 3.40%$29.26
Max mileage 125,000

Motorcycle, ATV & Snowmobile

2017 & Newer
725.45%As low as 5.53%$16.35
604.20%As low as 4.30%$18.55
483.45%As low as 3.57%$22.39
363.35%As low as 3.50%$29.30
2016 Only726.35%As low as 6.43%$16.78
605.30%As low as 5.40%$19.05
2012-2016484.50%As low as 4.62%$22.86
2012-2016364.35%As low as 4.51%$29.75
Max mileage 25,000

Travel Trailers (RVs) and Boats

2017 & Newer1806.00%As low as 6.02%$8.45
1205.65%As low as 5.73%$10.97
844.85%As low as 4.92%$14.10
604.25%As low as 4.35%$18.57
484.00%As low as 4.12%$22.63
2012 to 2016845.90%As low as 5.97%$14.59
605.70%As low as 5.80%$19.24
484.95%As low as 5.07%$23.06
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+728.50%As low as 8.58%$17.82
$5,000+607.50%As low as 7.60%$20.08
$3,500+
487.25%As low as 7.37%$24.12
$500+366.75%As low as 6.91%$30.83
Other Secured
$5,000+847.25%As low as 7.36%$15.27
$5,000+727.00%As low as 7.13%$17.11
$5,000+
606.60%As low as 6.75%$19.68
$3,500+486.35%As low as 6.54%$23.73
$500+365.85%As low as 6.10%$30.47
Share Secured
603.25%$18.08
CD Secured
Term of CDCD Rate + 3.00%Variable
Energy/Emergency Loan (1 loan per member, $2,500 max)262.50%$39.56
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.
View Disclosures

Portfolio Mortgages

Mortgage Rate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)5.750%5.838%$5.84
20 Year5.250%5.366%$6.74
15 Year5.000%5.146%$7.91
10 Year5.000%5.208%$10.61
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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)
5.750%5.799%$7.02N/AN/AN/A
15 Year5.500%5.561%$8.176.000%6.062%$8.44
10 Year5.375%5.462%$10.795.875%5.962%$11.04
5 Year5.250%5.413%$18.995.750%5.914%$19.22
Home Equity Line of Credit
80% LTVRATE (A) - Base
Prime -.5
APR-Adjusts Monthly based on IndexPayment per $1000RATE (A) - Base
Prime -.25
APR-Adjusts Monthly based on IndexPayment per $1000
80% LTV Prime (3.50)margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV5.500%5.500%Greater of $100 or accrued finance charge during draw period5.750%5.750%Greater of $100 or accrued finance charge during draw period
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
View Disclosures

Mobile Homes on Land

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2015+ min. credit score 680)
6.250%6.357%$6.16
20 Year5.750%5.889%$7.02
15 Year5.500%5.673%$8.17
10 Year5.500%5.746%$10.85
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 Year6.250%6.350%$7.31
15 Year6.000%6.124%$8.44
10 Year6.000%6.174%$11.10
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
View Disclosures