RATE TEST PAGE

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

Rates Effective January 1, 2021

YearMax Term Annual Percentage RateMonthly Payment per $1,000

Auto, Truck

2016 & Newer 84As low as 3.50%$13.46
72As low as 3.00%$15.22
60As low as 2.50%$17.78
48As low as 2.25%$21.84
36As low as 2.15%$28.76
2011-201572As low as 7.75%$17.44
60As low as 6.75%$19.72
48As low as 5.00%$23.07
36As low as 4.75%$29.91
Max mileage 125,000

Motorcycle, ATV & Snowmobile

2016 & Newer
72As low as 4.00%$15.67
60As low as 3.00%$18.00
48As low as 2.75%$22.06
36As low as 2.70%$29.00
2009-2015
72As low as 5.90%$16.55
60As low as 4.90%$18.86
48As low as 4.65%$22.91
36As low as 4.60%$29.84
Max mileage 25,000

Travel Trailers (RVs) and Boats

2016 & Newer180As low as 5.00%$7.92
120As low as 4.50%$1038
84As low as 4.25%$13.81
60As low as 4.00%$18.45
48As low as 3.75%$22.50
2009 to 201584As low as 5.25%$14.28
60As low as 5.00%$18.90
48As low as 4.75%$22.95
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

MEMBERSHIP ELIGIBILITY REQUIREMENTS: An individual must live, work or attend school in Androscoggin
or Oxford Counties; or in the town of New Gloucester, Maine. Immediate Family Members of existing
Members are also eligible.
$25.00 Opening Deposit for membership must be included with funding packet or $25 will be withheld from
Dealer proceeds.

Term restrictions for Travel Trailers (RVs) and Boats
25K minimum loan amount for 120 month term
35K minimum Laon amount for 180 month term

RESTRICTIONS:
– No Salvaged, Flood Damaged, Lemon Law, Reconstructed or Re-branded Titles will be financed.
– Insurance Deductibles cannot exceed $1,000. Proof of Insurance (Full Coverage) listing Dirigo FCU as lienholder
– Maximum of 45 Days to First Payment
– No Commercial Vehicle will be financed
– Approvals are good for 30 Days
– No Straw Purchases will be financed
– Proof of Income (most recent 2 Paystub) required for all applicants under 680.
– Current Tax Returns required for all Self Employed under 680.
– Maximum APR is 18.00%

Loan Fees & Cost:
Doc Fee (Purchase or new loan)**** $25.00
Doc Fee (Refinance from Dirigo)**** $50.00

Tractors

Rates Effective January 1, 2021

YearMax TermAnnual Percentage RateMonthly Payment per $1,000

Tractors

Minimum $35,000 180As low as 4.25%$7.52
Minimum $15,000120As low as 3.75%$6.70
Minimum $10,00084As low as 3.50%$9.00
60As low as 3.25%$12.11
48As low as 3.00%$14.82

Implements

Minimum $15,000120As low as 4.25%$6.86
Minimum $10,00084As low as 4.00%$9.15
60As low as 3.75%$12.26
48As low as 3.50%$14.97
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

MEMBERSHIP ELIGIBILITY REQUIREMENTS: An individual must live, work or attend school in Androscoggin
or Oxford Counties; or in the town of New Gloucester, Maine. Immediate Family Members of existing
Members are also eligible.
$25.00 Opening Deposit for membership must be included with funding packet or $25 will be withheld from
Dealer proceeds.

Term restrictions for Tractors & Implements
10k Minimum loan amount for 84 month term
15K minimum loan amount for 120 month term
35K minimum Laon amount for 180 month term

RESTRICTIONS:
– No Salvaged, Flood Damaged, Lemon Law, Reconstructed or Re-branded Titles will be financed.
– Insurance Deductibles cannot exceed $1,000. Proof of Insurance (Full Coverage) listing Dirigo FCU as lienholder
– Maximum of 45 Days to First Payment
– No Commercial Vehicle will be financed
– Approvals are good for 30 Days
– No Straw Purchases will be financed
– Proof of Income (most recent 2 Paystub) required for all applicants under 680.
– Current Tax Returns required for all Self Employed under 680.
– Maximum APR is 18.00%

Loan Fees & Cost:
Doc Fee (Purchase or new loan)**** $25.00
Doc Fee (Refinance from Dirigo)**** $50.00

 

Unsecured, Other Secured, & Credit Cards

Rates Effective January 1, 2021

Unsecured**Max TermAnnual Percentage RatePayment per $1,000
Extension72As low as 10.50%$21.00
$5,000+60As low as 9.50%$25.00
$3,500+
48As low as 9.25%$31.68
$500+36As low as 8.75%$18.08
Other Secured
$5,000+84As low as 5.50%$21.00
$5,000+72As low as 5.25%$25.00
$5,000+
60As low as 5.00%$31.68
$3,500+48As low as 4.75%$18.08
$500+36As low as 4.25%$18.08
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.

Borrowers with no credit score and no negative accounts on the credit report will be priced in the “D” tier (+4%).
* Max Loan Amount is $10,000-A, B, C credit and $2,500-D & E credit (cumulative for all active unsecured loans).
** Credit Report and debt ratio calculation are not required for cash secured borrowing.
Share Accounts and Certificates only-no money market, club accounts or IRA’s.
***$25.00 discount available on Doc Fee if member has active checking or direct deposit and auto payment from Dirigo FCU deposit account.
Commercial purpose or loans in the name of a business up to $50k will be priced 1% higher than the consumer rate-all LLPA’s apply. All loans over $50k or commercial members with an aggregate balance over $50k must be pre-approved and submitted to NDBS.
Minimum loan amount is $500.00
Proof of Insurance (Full Coverage) listing Dirigo FCU as lienholder required at closing and throughout the life of the loan.
Lenders Single Interest (LSI) policy required for secured loans, may be purchased privately, cost is $54.00 through Dirigo FCU vendor.

Loan Fees & Cost:
Doc Fee (Purchase or new loan)**** $25.00
Doc Fee (Refinance from Dirigo)**** $50.00

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