Deposit & Loan Rates

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DIRIGO Honors & Signature Rewards Checking

Account Type	Dividend Rate	Annual Percentage Yield	Minimum Balance
Dirigo Honors Checking ($0-$25,000)	3.45%	3.50%	None
Dirigo Honors Checking (over $25,000)	0.29%	0.64%-2.00%	$25,000.01
Dirigo Honors Checking (Qualifications NOT met)	0.10%	0.10%	None
Dirigo Signature Rewards	0.00%	0.00%	None

HSA Variable

Term	Dividend Rate	Annual Percentage Yield	Minimum Balance to Open/Obtain Annual Percentage Yield
HSA Variable	0.25%	0.25%	$0.00

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Jumbo IRA Certificates

Term	Dividend Rate	Annual Percentage Yield	Minimum Balance to Open/Obtain Annual Percentage Yield
6 Month	4.41%	4.50%	$100,000.00
9 Month	4.27%	4.35%	$100,000.00
1 Year	4.12%	4.20%	$100,000.00
15 Month	3.98%	4.05%	$100,000.00
2 Year	3.88%	3.95%	$100,000.00
3 Year	4.03%	4.11%	$100,000.00
4 Year	4.03%	4.11%	$100,000.00
5 Year	4.03%	4.11%	$100,000.00

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Club Accounts

Account Type	Dividend Rate	Annual Percentage Yield	Minimum Balance to Open/Obtain Annual Percentage Yield
Club	0.25%	0.25%	$0.00

Share Draft Checking Accounts

Account Type	Dividend Rate	Annual Percentage Yield	Minimum Balance to Open/Obtain Annual Percentage Yield	Monthly Fee if Balance falls below Minimum Balance
Regular Checking	0.00%	0.00%	$0.00	$0.00
Share Draft Minimum Balance	0.15%	0.15%	$500.00	$5.00
Free 4 Me Checking*	0.00%	0.00%	$0.00	$0.00

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Jumbo Share Certificates

Term	Dividend Rate	Annual Percentage Yield	Minimum Balance to Open/Obtain Annual Percentage Yield
6 Month	4.41%	4.50%	$100,000.00
9 Month	4.27%	4.35%	$100,000.00
1 Year	4.12%	4.20%	$100,000.00
15 Month	3.98%	4.05%	$100,000.00
2 Year	3.88%	3.95%	$100,000.00
3 Year	4.03%	4.11%	$100,000.00
4 Year	4.03%	4.11%	$100,000.00
5 Year	4.03%	4.11%	$100,000.00

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

IRA Certificates

Term	Dividend Rate	Annual Percentage Yield	Minimum Balance to Open/Obtain Annual Percentage Yield
IRA 6 Month	4.31%	4.40%	$500.00
IRA 9 Month	4.17%	4.25%	$500.00
IRA 1 Year	4.03%	4.10%	$500.00
IRA 15 Month	3.88%	3.95%	$500.00
IRA 2 Year	3.78%	3.85%	$500.00
IRA 3 Year	3.93%	4.00%	$500.00
IRA 4 Year	3.93%	4.00%	$500.00
IRA 5 Year	3.93%	4.00%	$500.00

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Share Accounts

Account Type	Dividend Rate	Annual Percentage Yield	Minimum to Open/Obtain Annual Percentage Yield
Shares (B)	0.25%	0.25%	$25.00

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Money Market Share Accounts

Tier	Variable Dividend Rate*	Annual Percentage Yield	Minimum Balance to Open/Obtain Annual Percentage Yield
$1,000.00 - $24,999.99	2.62%	2.70%	$1,000.00
$25,000.00 - $49,999.99	2.86%	2.90%	$25,000.00
$50,000.00 - $99,999.99	3.06%	3.10%	$50,000.00
$100,000 - $249,999.99	3.35%	3.40%	$100,000.00
$250,000 & Over	3.64%	3.70%	$250,000.00

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Share Certificates

Term	Dividend Rate	Annual Percentage Yield	Minimum to Open/Obtain Annual Percentage Yield
6 Months	4.31%	4.40%	$500.00
9 Months	4.17%	4.25%	$500.00
1 Year	4.03%	4.10%	$500.00
15 Months	3.88%	3.95%	$500.00
2 Years	3.78%	3.85%	$500.00
3 Years	3.93%	4.00%	$500.00
4 Years	3.93%	4.00%	$500.00
5 Years	3.93%	4.00%	$500.00

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

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
2020 & Newer	84	6.99%	As low as 7.09%	$15.14
	72	6.50%	As low as 6.62%	$16.87
	60	5.99%	As low as 6.13%	$19.39
	48	5.49%	As low as 5.66%	$23.33
	36	5.25%	As low as 5.47%	$30.18
2019 Only	72	7.40%	As low as 7.52%	$17.30
2016-2019	60	6.95%	As low as 7.09%	$19.84
2016-2019	48	6.35%	As low as 6.52%	$23.72
2016-2019	36	6.00%	As low as 6.22%	$30.52
Max mileage 110,000
Motorcycle, ATV & Snowmobile
2020 & Newer	72	7.00%	As low as 7.12%	$17.11
	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
2019 Only	72	9.35%	As low as 9.47%	$18.26
	60	7.35%	As low as 7.49%	$20.03
2016-2019	48	6.75%	As low as 6.92%	$23.91
2016-2019	36	6.35%	As low as 6.57%	$30.68
Max mileage 25,000
Travel Trailers (RVs) and Boats
2020 & Newer	180	8.40%	As low as 8.43%	$9.81
	120	8.00%	As low as 8.11%	$12.19
	84	7.50%	As low as 7.60%	$15.39
	60	6.75%	As low as 6.89%	$19.75
	48	6.00%	As low as 6.17%	$23.56
2019 Only	84	7.45%	As low as 7.55%	$15.36
2016-2019	60	7.20%	As low as 7.34%	$19.96
	48	6.25%	As low as 6.42%	$23.68

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

Tractors

Year	Max Term	Interest Rate	Annual Percentage Rate	Monthly Interest Payment per $1,000
Tractors *Used 5+ years add 1.5%; max age 10 model years
Minimum $35,000	180	9.25%	As low as 9.25%	$10.29
Minimum $15,000	120	7.75%	As low as 7.86%	$12.06
Minimum $10,000	84	7.25%	As low as 7.39%	$15.29
	60	7.00%	As low as 7.20%	$19.89
	48	6.00%	As low as 6.24%	$23.59
Implements *Used 2+ years add 2%; max age 7 model years
Minimum $15,000	120	8.25%	As low as 8.36%	$12.32
Minimum $10,000	84	7.75%	As low as 7.90%	$15.53
	60	7.25%	As low as 7.45%	$20.01
	48	6.50%	As low as 6.74%	$23.83

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

Unsecured, Other Secured, & Credit Cards

Unsecured**	Max Term	Interest Rates	Annual Percentage Rate	Payment per $1,000
$5,000+	60	12.25%	As low as 12.35%	$22.42
$3,500+	48	12.00%	As low as 12.13%	$26.40
$500+	36	11.50%	As low as 11.66%	$33.05
Other Secured
$5,000+	84	7.65%	As low as 7.80%	$15.48
$5,000+	72	7.40%	As low as 7.57%	$17.32
$5,000+	60	7.00%	As low as 7.20%	$19.89
$3,500+	48	6.75%	As low as 6.99%	$23.94
$500+	36	6.25%	As low as 6.56%	$30.68
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

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

Portfolio Mortgages

Mortgage		Rate (A)	APR	Payment per $1,000
30 Year (Portfolio minimum credit score 680)		6.875%	7.000%	$6.57
20 Year		6.750%	6.913%	$7.60
15 Year		6.500%	6.701%	$8.71
10 Year		6.500%	6.782%	$11.35

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

Home Equity

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)	7.000%	7.053%	$7.75	N/A	N/A	N/A
15 Year	6.875%	6.940%	$8.92	7.250%	7.352%	$9.13
10 Year	6.750%	6.840%	$11.48	7.125%	7.267%	$11.68
5 Year	6.625%	6.792%	$19.62	7.000%	7.262%	$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 (8.50) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV	8.000%	8.000%	Greater of $100 or accrued finance charge during draw period	8.250%	8.250%	Greater of $100 or accrued finance charge during draw period

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

Mobile Homes on Land

Mobile Home on Land	Rate (A)	APR	Payment per $1,000
30 Year (2018+ min. credit score 680)	7.000%	7.127%	$6.65
20 Year	6.875%	7.039%	$7.68
15 Year	6.750%	6.960%	$8.85
10 Year	6.625%	6.919%	$11.42

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

Mobile Homes in a Park

Mobile Homes in a Park	Rate (A)	APR	Payment per $1,000
20 Year	7.250%	7.335%	$7.90
15 Year	7.125%	7.229%	$9.06
10 Year	7.000%	7.145%	$11.61

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

Land Loans

Land Loan	Rate (A)	APR	Payment per $1,000
15 Year	7.000%	7.564%	$8.99
10 Year	6.875%	7.663%	$11.55

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