Rates
Our latest checking and saving account interest rates, at a glance.
Our latest checking and saving account interest rates, at a glance.
Dividend Rates Effective October 1, 2026
| 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 |
| Account Type | Dividend Rate | Annual Percentage Yield | Minimum Balance to Open/Obtain Annual Percentage Yield | Monthly Fee |
|---|---|---|---|---|
| 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 |
Dividend Rates Effective October 1, 2026
| Term | Dividend Rate | Annual Percentage Yield | Minimum Balance to Open/Obtain Annual Percentage Yield |
|---|---|---|---|
| HSA Variable | 0.25% | 0.25% | $0.00 |
| Term | Dividend Rate | Annual Percentage Yield | Minimum Balance to Open/Obtain Annual Percentage Yield |
|---|---|---|---|
| 6 Month | 4.12% | 4.20% | $100,000.00 |
| 9 Month | 4.12% | 4.20% | $100,000.00 |
| 1 Year | 4.22% | 4.30% | $100,000.00 |
| 15 Month | 4.27% | 4.35% | $100,000.00 |
| 2 Year | 4.27% | 4.35% | $100,000.00 |
| 3 Year | 4.51% | 4.60% | $100,000.00 |
| 4 Year | 4.27% | 4.35% | $100,000.00 |
| 5 Year | 4.27% | 4.35% | $100,000.00 |
| Account Type | Dividend Rate | Annual Percentage Yield | Minimum Balance to Open/Obtain Annual Percentage Yield |
|---|---|---|---|
| Club | 0.25% | 0.25% | $0.00 |
| Term | Dividend Rate | Annual Percentage Yield | Minimum Balance to Open/Obtain Annual Percentage Yield |
|---|---|---|---|
| 6 Month | 4.12% | 4.20% | $100,000.00 |
| 9 Month | 4.12% | 4.20% | $100,000.00 |
| 1 Year | 4.22% | 4.30% | $100,000.00 |
| 15 Month | 4.27% | 4.35% | $100,000.00 |
| 2 Year | 4.27% | 4.35% | $100,000.00 |
| 3 Year | 4.51% | 4.60% | $100,000.00 |
| 4 Year | 4.27% | 4.35% | $100,000.00 |
| 5 Year | 4.27% | 4.35% | $100,000.00 |
| Term | Dividend Rate | Annual Percentage Yield | Minimum Balance to Open/Obtain Annual Percentage Yield |
|---|---|---|---|
| IRA 6 Month | 4.03% | 4.10% | $500.00 |
| IRA 9 Month | 4.03% | 4.10% | $500.00 |
| IRA 1 Year | 4.12% | 4.20% | $500.00 |
| IRA 15 Month | 4.17% | 4.25% | $500.00 |
| IRA 2 Year | 4.17% | 4.25% | $500.00 |
| IRA 3 Year | 4.41% | 4.50% | $500.00 |
| IRA 4 Year | 4.17% | 4.25% | $500.00 |
| IRA 5 Year | 4.17% | 4.25% | $500.00 |
| Account Type | Dividend Rate | Annual Percentage Yield | Minimum to Open/Obtain Annual Percentage Yield |
|---|---|---|---|
| Shares (B) | 0.25% | 0.25% | $25.00 |
| Tier | Variable Dividend Rate* | Annual Percentage Yield | Minimum Balance to Open/Obtain Annual Percentage Yield |
|---|---|---|---|
| $1,000.00 – $24,999.99 | 2.47% | 2.50% | $1,000.00 |
| $25,000.00 – $49,999.99 | 2.62% | 2.65% | $25,000.00 |
| $50,000.00 – $99,999.99 | 2.76% | 2.80% | $50,000.00 |
| $100,000 – $249,999.99 | 3.11% | 3.15% | $100,000.00 |
| $250,000 & Over | 3.40% | 3.45% | $250,000.00 |
| Term | Dividend Rate | Annual Percentage Yield | Minimum to Open/Obtain Annual Percentage Yield |
|---|---|---|---|
| 6 Months | 4.03% | 4.10% | $500.00 |
| 9 Months | 4.03% | 4.10% | $500.00 |
| 1 Year | 4.12% | 4.20% | $500.00 |
| 15 Months | 4.17% | 4.25% | $500.00 |
| 2 Years | 4.17% | 4.25% | $500.00 |
| 3 Years | 4.41% | 4.50% | $500.00 |
| 4 Years | 4.17% | 4.25% | $500.00 |
| 5 Years | 4.17% | 4.25% | $500.00 |
| Home Equity Loan (closed end) (+.75% for mobile homes) | Home Equity (1st Lien) RATE (A) | Home Equity (1st Lien) APR | Home Equity (1st Lien) Payment per $1000 | Home Equity (Subordinate Lien) RATE (A) | Home Equity (Subordinate Lien) APR | Home Equity (Subordinate Lien) Payment per $1000 |
|---|---|---|---|---|---|---|
| 80% LTV | RATE (A) | APR | Payment per $1000 | RATE (A) | APR | Payment per $1000 |
| 20 Year (minimum $50,000) | 7.125% | 7.176% | $7.83 | N/A | N/A | N/A |
| 15 Year | 6.875% | 6.936% | $8.92 | 7.250% | 7.345% | $9.13 |
| 10 Year | 6.750% | 6.835% | $11.48 | 7.125% | 7.256% | $11.68 |
| 5 Year | 6.500% | 6.655% | $19.57 | 7.000% | 7.242% | $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 (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV | 7.000% | 7.000% | Greater of $100 or accrued finance charge during draw period | 7.250% | 7.250% | Greater of $100 or accrued finance charge during draw period |
| 80% LTV | RATE (A) Prime +0 | APR-Adjusts Monthly based on Index | Payment per $1000 |
|---|---|---|---|
80% LTV Prime (7.000%) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV. | 7.000% | 7.000% | Greater of $100 or accrued finance charge during draw period |
Special 2 YR Fixed (6.250%) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV. | 5.990% | 6.103% | Greater of $100 or accrued finance charge during draw period |
| Land Loan | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 15 Year | 7.500% | 7.818% | $9.27 |
| 10 Year | 7.250% | 7.690% | $11.74 |
| Mobile Home on Land | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 30 Year (2018+ min. credit score 680) | 7.125% | 7.231% | $6.74 |
| 20 Year | 7.000% | 7.137% | $7.75 |
| 15 Year | 6.625% | 6.792% | $8.78 |
| 10 Year | 6.625% | 6.860% | $11.42 |
| Mobile Homes in a Park | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 20 Year | 7.250% | 7.334% | $7.90 |
| 15 Year | 7.000% | 7.102% | $8.99 |
| 10 Year | 7.000% | 7.143% | $11.61 |
| Year | Max Term | Interest Rate | Annual Percentage Rate | Monthly Interest Payment per $1,000 |
|---|---|---|---|---|
| 2023 & Newer | 72 | 7.25% | As low as 7.37% | $17.23 |
| 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 | |
| 2022 Only | 72 | 9.05% | As low as 9.17% | $18.11 |
| 60 | 7.05% | As low as 7.19% | $19.89 | |
| 2019-2022 | 48 | 6.45% | As low as 6.62% | $23.77 |
| 2019-2022 | 36 | 6.05% | As low as 6.27% | $30.55 |
Max mileage 25,000
| Year | Max Term | Interest Rate | Annual Percentage Rate | Monthly Interest Payment per $1,000 |
|---|---|---|---|---|
| 2023 & Newer | 180 | 7.80% | As low as 7.83% | $9.46 |
| 120 | 7.65% | As low as 7.76% | $12.00 | |
| 84 | 7.15% | As low as 7.25% | $15.22 | |
| 60 | 6.35% | As low as 6.49% | $19.56 | |
| 48 | 5.60% | As low as 5.77% | $23.88 | |
| 2022 Only | 84 | 7.55% | As low as 7.65% | $15.41 |
| 2019-2022 | 60 | 6.80% | As low as 6.94% | $19.77 |
| 48 | 5.85% | As low as 6.02% | $23.49 |
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.