Loan Rates

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

Interest Rates Effective December 1, 2022.

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

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

Auto, Truck

2018 & Newer 845.50%As low as 5.57%$14.40
725.35%As low as 5.43%$16.31
605.00%As low as 5.10%$18.92
484.85%As low as 4.97%$23.01
364.50%As low as 4.66%$29.82
2017 Only726.10%As low as 6.18%$16.66
2013-2017605.60%As low as 5.70%$19.19
2013-2017485.10%As low as 5.22%$23.13
2013-2017364.85%As low as 5.01%$29.97
Max mileage 125,000

Motorcycle, ATV & Snowmobile

2018 & Newer
726.75%As low as 6.83%$16.97
605.60%As low as 5.70%$19.19
485.25%As low as 5.37%$23.20
364.85%As low as 5.01%$29.97
2017 Only727.75%As low as 7.83%$17.45
606.35%As low as 6.45%$19.54
2013-2017485.75%As low as 5.87%$23.43
2013-2017365.35%As low as 5.51%$30.20
Max mileage 25,000

Travel Trailers (RVs) and Boats

2018 & Newer1809.10%As low as 9.13%$10.22
1208.25%As low as 8.33%$12.31
846.25%As low as 6.32%$14.76
605.75%As low as 5.85%$19.26
485.25%As low as 5.37%$23.20
2013 to 2017847.50%As low as 7.57%$15.37
607.35%As low as 7.45%$20.01
486.35%As low as 6.47%$23.70
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+729.50%As low as 9.59%$18.32
$5,000+608.50%As low as 8.60%$20.56
$3,500+
488.25%As low as 8.37%$24.59
$500+367.75%As low as 7.91%$31.29
Other Secured
$5,000+847.90%As low as 8.01%$15.59
$5,000+727.65%As low as 7.78%$17.43
$5,000+
607.25%As low as 7.40%$19.99
$3,500+487.00%As low as 7.19%$24.03
$500+366.50%As low as 6.75%$30.76
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.

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Portfolio Mortgages

Mortgage Rate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)6.875%
6.970%
$6.57
20 Year6.375%
6.496%
$7.38
15 Year6.125%
6.276%
$8.51
10 Year6.125%
6.337%
$11.16
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)
6.625%
6.676%
$7.53
N/AN/AN/A
15 Year6.250%
6.312%
$8.57
6.500%
6.563%
$8.71
10 Year6.250%
6.338%
$11.23
6.500%
6.588%
$11.35
5 Year6.125%
6.289%
$19.39
6.500%
6.665%
$19.57
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 & LTV7.000%7.000%Greater of $100 or accrued finance charge during draw period7.250%7.250%Greater of $100 or accrued finance charge during draw period
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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Mobile Homes on Land

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2015+ min. credit score 680)
7.000%
7.112%
$6.65
20 Year6.500%
6.643%
$7.46
15 Year6.375%
6.553%
$8.64
10 Year6.375%
6.625%
$11.29
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 Year7.000%
7.103%
$7.75
15 Year6.875%
7.002%
$8.92
10 Year6.875%
7.053%
$11.55
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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