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 September 1, 2024.

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

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

Auto, Truck
2020 & Newer 847.20%As low as 7.27%$15.23
726.75%As low as 6.83%$16.97
606.35%As low as 6.45%$19.54
486.15%As low as 6.27%$23.61
365.95%As low as 6.11%$30.47
2019 Only727.65%As low as 7.73%$17.40
2015-2019607.20%As low as 7.30%$19.94
2015-2019486.60%As low as 6.72%$23.82
2015-2019366.25%As low as 6.41%$30.61
Max mileage 110,000

Motorcycle, ATV & Snowmobile
2020 & Newer
727.65%As low as 7.73%$17.40
606.90%As low as 7.00%$19.80
486.65%As low as 6.77%$23.84
366.25%As low as 6.41%$30.61
2019 Only729.90%As low as 9.99%$18.52
607.90%As low as 8.00%$20.28
2015-2019487.30%As low as 7.42%$24.14
2015-2019366.90%As low as 7.06%$30.90
Max mileage 25,000

Travel Trailers (RVs) and Boats
2020 & Newer1808.85%As low as 8.88%$10.07
1208.25%As low as 8.33%$12.31
847.75%As low as 7.82%$15.50
607.00%As low as 7.10%$19.85
486.25%As low as 6.37%$23.65
2015 to 2019848.10%As low as 8.17%$15.67
607.85%As low as 7.95%$20.25
486.90%As low as 7.02%$23.96
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+6012.25%As low as 12.35%$22.42
$3,500+
4812.00%As low as 12.13%$26.40
$500+3611.50%As low as 11.66%$33.05
Other Secured
$5,000+848.65%As low as 8.77%$15.97
$5,000+728.40%As low as 8.53%$17.79
$5,000+
608.00%As low as 8.16%$20.35
$3,500+487.75%As low as 7.94%$24.38
$500+367.25%As low as 7.50%$31.11
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)6.375%
6.593%
$6.24
20 Year6.250%6.408%
$7.31
15 Year6.000%
6.195%
$8.44
10 Year5.875%
6.150%
$11.04
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)		6.625%
6.706%
$7.53N/AN/AN/A
15 Year6.375%
6.474%
$8.64
6.750%
6.814%
$8.85
10 Year6.375%
6.515%
$11.29
6.625%
6.714%
$11.42
5 Year6.250%
6.510%
$19.45
6.500%
6.755%
$19.57
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 (8.50) +/- 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
(2018+ min. credit score 680)		6.625%
6.748%
$6.40
20 Year6.500%
6.660%
$7.46
15 Year6.250%
6.448%
$8.57
10 Year6.250%
6.529%
$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%
6.957%
$7.68
15 Year6.625%
6.726%
$8.78
10 Year6.500%
6.640%
$11.35
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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