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 25, 2023.

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

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

Auto, Truck
2018 & Newer 846.95%As low as 7.02%$15.10
726.50%As low as 6.58%$16.85
605.95%As low as 6.05%$19.35
485.75%As low as 5.87%$23.43
365.50%As low as 5.66%$30.27
2017 Only727.35%As low as 7.43%$17.26
2013-2017606.75%As low as 6.85%$19.73
2013-2017486.25%As low as 6.37%$23.65
2013-2017366.00%As low as 6.16%$30.49
Max mileage 125,000

Motorcycle, ATV & Snowmobile
2018 & Newer
727.45%As low as 7.53%$17.31
606.30%As low as 6.40%$19.52
485.95%As low as 6.07%$23.52
365.55%As low as 5.71%$30.29
2017 Only728.70%As low as 8.78%$17.92
607.30%As low as 7.40%$19.99
2013-2017486.70%As low as 6.82%$23.86
2013-2017366.30%As low as 6.46%$30.63
Max mileage 25,000

Travel Trailers (RVs) and Boats
2018 & Newer1808.75%As low as 8.78%$10.01
1208.00%As low as 8.08%$12.18
847.25%As low as 7.32%$15.25
606.20%As low as 6.30%$19.47
485.45%As low as 5.57%$23.29
2013 to 2017847.65%As low as 7.72%$15.45
607.40%As low as 7.50%$20.04
486.45%As low as 6.57%$23.75
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+609.25%As low as 9.35%$20.93
$3,500+
489.00%As low as 9.12%$24.94
$500+368.50%As low as 8.66%$31.64
Other Secured
$5,000+848.35%As low as 8.47%$15.82
$5,000+728.10%As low as 8.23%$17.65
$5,000+
607.70%As low as 7.85%$20.21
$3,500+487.45%As low as 7.64%$24.24
$500+366.95%As low as 7.20%$30.97
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)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

MortgageRate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)7.250%
7.367%
$6.82
20 Year7.125%7.276%
$7.83
15 Year6.500%
6.682%
$8.71
10 Year6.500%
6.756%
$11.35
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)		7.500%
7.580%
$8.06N/AN/AN/A
15 Year6.750%
6.843%
$8.85
7.125%
7.222%
$9.06
10 Year6.750%
6.882%
$11.48
7.000%
7.134%
$11.61
5 Year6.500%
6.742%
$19.57
6.750%
6.996%
$19.68
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 (8.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV8.250%8.250%Greater of $100 or accrued finance charge during draw period8.500%8.500%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
(2016+ min. credit score 680)		7.750%
7.890%
$7.16
20 Year7.625%
7.803%
$8.13
15 Year7.000%
7.213%
$8.99
10 Year7.000%
7.299%
$11.61
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 Year8.000%
8.145%
$8.36
15 Year7.500%
7.674%
$9.27
10 Year7.500%
7.743%
$11.87
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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