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 December 13, 2024.

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

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

Auto, Truck
2020 & Newer 846.99%As low as 7.09%$15.14
726.50%As low as 6.62%$16.87
605.99%As low as 6.13%$19.39
485.49%As low as 5.66%$23.33
365.25%As low as 5.47%$30.18
2019 Only727.40%As low as 7.52%$17.30
2016-2019606.95%As low as 7.09%$19.84
2016-2019486.35%As low as 6.52%$23.72
2016-2019366.00%As low as 6.22%$30.52
Max mileage 110,000

Motorcycle, ATV & Snowmobile
2020 & Newer
727.00%As low as 7.12%$17.11
606.25%As low as 6.39%$19.51
486.00%As low as 6.17%$23.56
365.60%As low as 5.82%$30.34
2019 Only729.35%As low as 9.47%$18.26
607.35%As low as 7.49%$20.03
2016-2019486.75%As low as 6.92%$23.91
2016-2019366.35%As low as 6.57%$30.68
Max mileage 25,000

Travel Trailers (RVs) and Boats
2020 & Newer1808.40%As low as 8.43%$9.81
1208.00%As low as 8.11%$12.19
847.50%As low as 7.60%$15.39
606.75%As low as 6.89%$19.75
486.00%As low as 6.17%$23.56
2019 Only847.45%As low as 7.55%$15.36
2016-2019607.20%As low as 7.34%$19.96
486.25%As low as 6.42%$23.68
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+6012.25%As low as 12.35%$22.42
$3,500+
4812.00%As low as 12.13%$26.40
$500+3611.50%As low as 11.66%$33.05
Other Secured
$5,000+847.65%As low as 7.80%$15.48
$5,000+727.40%As low as 7.57%$17.32
$5,000+
607.00%As low as 7.20%$19.89
$3,500+486.75%As low as 6.99%$23.94
$500+366.25%As low as 6.56%$30.68
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)264.00%$40.22
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 9.95%2% of balance or $25
Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only)RevolvingAs low as 11.95%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)6.875%
7.000%
$6.57
20 Year6.750%6.913%
$7.60
15 Year6.500%
6.701%
$8.71
10 Year6.500%
6.782%
$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)		7.000%
7.053%
$7.75N/AN/AN/A
15 Year6.875%
6.940%
$8.92
7.250%
7.352%
$9.13
10 Year6.750%
6.840%
$11.48
7.125%
7.267%
$11.68
5 Year6.625%
6.792%
$19.62
7.000%
7.262%
$19.80
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 (8.50) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV8.000%8.000%Greater of $100 or accrued finance charge during draw period8.250%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.

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Mobile Homes on Land

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2018+ min. credit score 680)		7.000%
7.127%
$6.65
20 Year6.875%
7.039%
$7.68
15 Year6.750%
6.960%
$8.85
10 Year6.625%
6.919%
$11.42
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 Year7.250%
7.335%
$7.90
15 Year7.125%
7.229%
$9.06
10 Year7.000%
7.145%
$11.61
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

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