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 May 1, 2025.

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

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

Auto, Truck
2021 & Newer 846.00%As low as 6.10%$14.66
725.50%As low as 5.62%$16.39
605.00%As low as 5.14%$18.93
484.50%As low as 4.67%$22.88
364.25%As low as 4.47%$29.73
2020 Only727.15%As low as 7.27%$17.18
2017-2020606.70%As low as 6.84%$19.73
2017-2020486.10%As low as 6.27%$23.61
2017-2020365.75%As low as 5.97%$30.41
Max mileage 110,000

Motorcycle, ATV & Snowmobile
2021 & Newer
726.75%As low as 6.87%$16.99
606.00%As low as 6.14%$19.40
485.75%As low as 5.92%$23.45
365.35%As low as 5.57%$30.23
2020 Only729.10%As low as 9.22%$18.14
607.10%As low as 7.24%$19.91
2017-2020486.50%As low as 6.67%$23.79
2017-2020366.10%As low as 6.32%$30.57
Max mileage 25,000

Travel Trailers (RVs) and Boats
2021 & Newer1807.90%As low as 7.93%$9.52
1207.50%As low as 7.61%$11.93
847.00%As low as 7.10%$15.14
606.25%As low as 6.39%$19.51
485.50%As low as 5.67%$23.33
2020 Only846.70%As low as 6.80%$15.00
2017-2020606.45%As low as 6.59%$19.61
485.50%As low as 5.67%$23.33
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+6011.75%As low as 11.90%$22.19
$3,500+
4811.50%As low as 11.68%$26.18
$500+3611.00%As low as 11.23%$32.85
Other Secured
$5,000+848.15%As low as 8.30%$15.73
$5,000+727.90%As low as 8.07%$17.57
$5,000+
607.50%As low as 7.70%$20.13
$3,500+487.25%As low as 7.49%$24.17
$500+366.75%As low as 7.06%$30.91
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
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%
6.504%
$6.24
20 Year6.250%6.419%
$7.31
15 Year6.000%
6.210%
$8.44
10 Year6.000%
6.297%
$11.10
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%
6.555%
$7.46N/AN/AN/A
15 Year6.375%
6.442%
$8.64
6.625%
6.734%
$8.78
10 Year6.250%
6.344%
$11.23
6.500%
6.652%
$11.35
5 Year6.125%
6.300%
$19.39
6.375%
6.658%
$19.51
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 (7.50) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV7.500%7.500%Greater of $100 or accrued finance charge during draw period7.750%7.750%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
(2018+ min. credit score 680)		6.500%
6.630%
$6.32
20 Year6.500%
6.672%
$7.46
15 Year6.375%
6.589%
$8.64
10 Year6.250%
6.550%
$11.23
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 Year6.875%
6.964%
$7.68
15 Year6.750%
6.860%
$8.85
10 Year6.625%
6.778%
$11.42
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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