Loan Rates

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

Interest Rates Effective May 17, 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 844.40%As low as 4.47%$13.89
724.15%As low as 4.23%$15.75
603.50%As low as 3.59%$18.23
482.75%As low as 2.87%$22.08
362.65%As low as 2.80%$28.99
2016 Only725.15%As low as 5.23%$16.21
2012-2016604.65%As low as 4.75%$18.75
2012-2016483.50%As low as 3.62%$22.41
2012-2016363.40%As low as 3.55%$29.33
Max mileage 125,000

Motorcycle, ATV & Snowmobile

2017 & Newer
725.65%As low as 5.73%$16.45
604.15%As low as 4.25%$18.53
483.40%As low as 3.52%$22.36
363.30%As low as 3.45%$29.28
2016 Only725.85%As low as 5.93%$16.54
604.85%As low as 4.95%$18.85
2012-2016484.10%As low as 4.22%$22.68
2012-2016364.00%As low as 4.15%$29.59
Max mileage 25,000

Travel Trailers (RVs) and Boats

2017 & Newer1805.65%As low as 5.67%$8.26
1205.30%As low as 5.38%$10.79
844.50%As low as 4.57%$13.93
603.90%As low as 4.00%$18.41
483.65%As low as 3.77%$22.48
2012 to 2016846.25%As low as 6.32%$14.76
606.05%As low as 6.15%$19.40
485.30%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+607.00%As low as 7.10%$19.85
$3,500+
486.75%As low as 6.87%$23.89
$500+366.25%As low as 6.41%$30.61
Other Secured
$5,000+846.90%As low as 7.01%$15.10
$5,000+726.65%As low as 6.78%$16.94
$5,000+
606.25%As low as 6.40%$19.52
$3,500+486.00%As low as 6.19%$23.57
$500+365.50%As low as 5.75%$30.31
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)5.375%5.461%$5.60
20 Year5.000%5.115%$6.60
15 Year4.750%4.895%$7.78
10 Year4.750%4.957%$10.48
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)
5.500%5.548%$6.88N/AN/AN/A
15 Year5.250%5.311%$8.045.875%5.937%$8.32
10 Year5.250%5.336%$10.735.750%5.837%$10.98
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 (5.50)margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV4.000%4.000%Greater of $100 or accrued finance charge during draw period4.250%4.250%Greater of $100 or accrued finance charge during draw period
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
View Disclosures

Mobile Homes on Land

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2015+ min. credit score 680)
5.625%5.728%$5.76
20 Year5.250%5.386%$6.74
15 Year5.000%5.171%$7.91
10 Year5.000%5.244%$10.61
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 Year5.750%5.848%$7.02
15 Year5.500%5.622%$8.17
10 Year5.500%5.674%$10.85
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
View Disclosures