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

Interest Rates Effective October 1, 2021

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

Auto, Truck

2016 & Newer 843.60%3.55%$13.49
723.25%3.31%$15.33
602.75%2.82%$17.89
482.65%2.73%$22.02
362.40%2.51%$28.87
2015 Only726.90%6.96%$17.03
2015 Only606.15%6.22%$19.43
2011-2015485.65%5.74%$23.36
2011-2015365.15%5.26%$30.09
Max mileage 125,000

Motorcycle, ATV & Snowmobile

2016 & Newer
724.75%4.81%$16.02
604.25%4.32%$18.56
483.75%3.83%$22.50
363.50%3.61%$29.35
2015 Only726.15%6.21%$16.67
2015 Only605.90%5.97%$19.32
2011-2015485.40%5.48%$23.25
2011-2015365.15%5.26%$30.09
Max mileage 25,000

Travel Trailers (RVs) and Boats

2016 & Newer1805.25%5.28%$8.06
1204.75%4.86%$10.54
844.50%4.55%$13.92
604.25%4.32%$18.56
484.00%4.08%$22.62
2011 to 2015845.40%5.45%$14.35
605.15%5.22%$18.97
484.90%4.98%$23.02
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Unsecured, Other Secured, & Credit Cards

Interest Rates Effective October 1, 2021

Unsecured**Max TermInterest RatesAnnual Percentage RatePayment per $1,000
$5,000+609.25%9.32%$20.91
$3,500+
489.00%9.09%$24.93
$500+368.50%8.61%$31.62
Other Secured
$5,000+846.40%6.49%$14.85
$5,000+726.15%6.26%$16.69
$5,000+
605.75%5.87%$19.27
$3,500+485.50%5.65%$23.33
$500+365.00%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 October 1, 2021

Mortgage Rate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)3.125%3.201%$4.28
20 Year2.875%2.981%$5.48
15 Year2.375%2.510%$6.61
10 Year2.250%2.448%$9.31
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Home Equity

Interest Rates effective October 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)
3.500%3.545%$5.80N/AN/AN/A
15 Year3.000%3.057%$6.914.000%4.058%$7.40
10 Year2.875%2.957%$9.603.875%3.959%$10.07
5 Year2.875%3.034%$17.913.875%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 October 1, 2021

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2013+ min. credit score 680)
4.250%4.345%$4.92
20 Year4.000%4.129%$6.06
15 Year3.750%3.915%$7.27
10 Year3.625%3.862%$9.95
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.