Loan Rates

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

Interest Rates Effective November 1, 2021

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

Auto, Truck

2016 & Newer 844.00%As low as 4.05%$13.69
723.25%As low as 3.31%$15.33
603.00%As low as 3.07%$18.00
482.75%As low as 2.83%$22.06
362.25%As low as 2.36%$28.80
2015 Only724.50%As low as 4.56%$15.90
2015 Only604.25%As low as 4.32%$18.56
2011-2015483.50%As low as 3.58%$22.39
2011-2015362.75%As low as 2.86%$29.02
Max mileage 125,000

Motorcycle, ATV & Snowmobile

2016 & Newer
724.75%As low as 4.81%$16.02
603.50%As low as 3.57%$18.22
483.25%As low as 3.33%$22.28
362.50%As low as 2.61%$28.91
2015 Only724.75%As low as 4.81%$16.02
2015 Only604.25%As low as 4.32%$18.56
2011-2015483.75%As low as 3.83%$22.50
2011-2015363.00%As low as 3.11%$29.13
Max mileage 25,000

Travel Trailers (RVs) and Boats

2016 & Newer1805.35%As low as 5.37%$8.10
1204.60%As low as 4.66%$10.44
844.35%As low as 4.40%$13.85
603.60%As low as 3.67%$18.27
482.85%As low as 2.93%$22.10
2011 to 2015845.65%As low as 5.70%$14.47
604.90%As low as 4.97%$18.86
484.15%As low as 4.23%$22.68
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Unsecured, Other Secured, & Credit Cards

Interest Rates Effective November 1, 2021

Unsecured**Max TermInterest RatesAnnual Percentage RatePayment per $1,000
$5,000+609.25%As low as 9.32%$20.91
$3,500+
489.00%As low as 9.09%$24.93
$500+368.50%As low as 8.61%$31.62
Other Secured
$5,000+846.40%As low as 6.49%$14.85
$5,000+726.15%As low as 6.26%$16.69
$5,000+
605.75%As low as 5.87%$19.27
$3,500+485.50%As low as 5.65%$23.33
$500+365.00%As low as 5.20%$30.06
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.

Portfolio Mortgages

Interest Rates effective November 1, 2021

Mortgage Rate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)3.375%3.452%$4.42
20 Year3.125%3.232%$5.61
15 Year2.625%2.762%$6.73
10 Year2.500%2.699%$9.43
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Home Equity

Interest Rates effective November 1, 2021

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)
3.625%3.670%$5.86N/AN/AN/A
15 Year3.125%3.182%$6.974.125%4.184%$7.46
10 Year3.000%3.083%$9.663.875%3.959%$10.07
5 Year3.000%3.161%$17.973.875%4.036%$18.36
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 & LTV3.250%3.250%Greater of $100 or accrued finance charge during draw period3.500%3.500%Greater of $100 or accrued finance charge during draw period
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Mobile Homes on Land

Interest Rates effective November 1, 2021

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2013+ min. credit score 680)
4.375%4.471%$4.99
20 Year4.125%4.255%$6.13
15 Year3.875%4.041%$7.33
10 Year3.625%3.862%$9.95
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.