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Loan Rates

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

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

Year	Max Term	Interest Rate	Annual Percentage Rate	Monthly Interest Payment per $1,000
Auto, Truck
2023 & Newer	84	4.99%	As low as 5.09%	$14.18
	72	4.49%	As low as 4.60%	$15.92
	60	4.24%	As low as 4.38%	$18.59
	48	4.09%	As low as 4.26%	$22.69
	36	3.99%	As low as 4.21%	$29.62
2022 Only	72	5.25%	As low as 5.37%	$16.28
2019-2022	60	4.85%	As low as 4.99%	$18.87
2019-2022	48	4.65%	As low as 4.82%	$22.95
2019-2022	36	4.50%	As low as 4.72%	$29.85
Max mileage 100,000
Motorcycle, ATV & Snowmobile
2023 & Newer	72	7.25%	As low as 7.37%	$17.23
	60	6.25%	As low as 6.39%	$19.51
	48	6.00%	As low as 6.17%	$23.56
	36	5.60%	As low as 5.82%	$30.34
2022 Only	72	9.05%	As low as 9.17%	$18.11
	60	7.05%	As low as 7.19%	$19.89
2019-2022	48	6.45%	As low as 6.62%	$23.77
2019-2022	36	6.05%	As low as 6.27%	$30.55
Max mileage 25,000
Travel Trailers (RVs) and Boats
2023 & Newer	180	7.80%	As low as 7.83%	$9.46
	120	7.65%	As low as 7.76%	$12.00
	84	7.15%	As low as 7.25%	$15.22
	60	6.35%	As low as 6.49%	$19.56
	48	5.60%	As low as 5.77%	$23.88
2022 Only	84	7.55%	As low as 7.65%	$15.41
2019-2022	60	6.80%	As low as 6.94%	$19.77
	48	5.85%	As low as 6.02%	$23.49

Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
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Unsecured**	Max Term	Interest Rates	Annual Percentage Rate	Payment per $1,000
$5,000+	60	10.74%	As low as 10.88%	$21.69
$3,500+	48	10.49%	As low as 10.67%	$25.68
$500+	36	9.99%	As low as 10.22%	$32.37
Other Secured
$5,000+	84	8.75%	As low as 8.86%	$16.02
$5,000+	72	8.50%	As low as 8.62%	$17.84
$5,000+	60	8.10%	As low as 8.24%	$20.39
$3,500+	48	7.85%	As low as 8.02%	$24.42
$500+	36	7.35%	As low as 7.58%	$31.14
Share Secured	60		3.50%	$18.19
CD Secured	Term of CD		CD Rate + 3.00%	Variable
Energy/Emergency Loan (1 loan per member, $2,500 max)	26		4.00%	$40.22
Overdraft LOC ($5,000 Max; A+, A, B & C Credit Only)	Revolving		15.00%	$50.00
Dirigo Platinum Credit Card	Revolving		5.95% Introductory Rate then As low as 9.95%	2% of balance or $25
Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only)	Revolving		As low as 11.95%	2% of balance or $25
Dirigo Business Rewards Credit Card	Revolving		As low as 13.99%	2% of balance or $25

Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
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Mortgage	Rate (A)	APR	Payment per $1,000
30 Year (Portfolio minimum credit score 680)	6.875%	6.979%	$6.57
20 Year	6.750%	6.885%	$7.60
15 Year	6.375%	6.540%	$8.64
10 Year	6.250%	6.481%	$11.23

Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Credit Score/Risk Based Pricing	A (≥720)	B (680-719)	C (661-679)	D (620-660)*	E (≤619)*
LLPA added to Par (A) Rate	Par	LLPA .25	LLPA 1.00	LLPA 2.00	LLPA 2.50
LLPA Cash out refi >75% LTV-origination fee (points) added to closing costs (1st Mortgages Only) Home Improvement excluded	0.75	1.50	2.50	3.50	4.00

Home Equity Loan (closed end) (+.75% for mobile homes)	Home Equity (1st Lien)			Home Equity (Subordinate Lien)
80% LTV	RATE (A)	APR	Payment per $1000	RATE (A)	APR	Payment per $1000
20 Year (minimum $50,000)	7.125%	7.176%	$7.83	N/A	N/A	N/A
15 Year	6.875%	6.936%	$8.92	7.250%	7.345%	$9.13
10 Year	6.750%	6.835%	$11.48	7.125%	7.256%	$11.68
5 Year	6.500%	6.655%	$19.57	7.000%	7.242%	$19.80
Home Equity Line of Credit
80% LTV	RATE (A) - Base Prime +0	APR-Adjusts Monthly based on Index	Payment per $1000	RATE (A) - Base Prime +.25	APR-Adjusts Monthly based on Index	Payment per $1000
80% LTV Prime (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV	7.000%	7.000%	Greater of $100 or accrued finance charge during draw period	7.250%	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 Home on Land	Rate (A)	APR	Payment per $1,000
30 Year (2018+ min. credit score 680)	7.125%	7.231%	$6.74
20 Year	7.000%	7.137%	$7.75
15 Year	6.625%	6.792%	$8.78
10 Year	6.625%	6.860%	$11.42

Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
View Disclosures

Mobile Homes in a Park	Rate (A)	APR	Payment per $1,000
20 Year	7.250%	7.334%	$7.90
15 Year	7.000%	7.102%	$8.99
10 Year	7.000%	7.143%	$11.61

Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.
View Disclosures