Rates

Our latest checking and saving account interest rates, at a glance.

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    Spend Rates

    Dividend Rates Effective October 1, 2026

    DIRIGO Honors & Signature Rewards Checking

    DIRIGO Honors & Signature Rewards Checking
    Account TypeDividend RateAnnual Percentage YieldMinimum 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 Rewards0.00%0.00%None

    View Disclosures

    Share Draft Checking Accounts

    Share Draft Checking Accounts
    Account TypeDividend RateAnnual
    Percentage
    Yield    		Minimum Balance
    to Open/Obtain
    Annual
    Percentage
    Yield

    Monthly Fee
    if Balance Falls
    Below Minimum
    Balance

    Regular Checking0.00%0.00%$0.00$0.00
    Share Draft Minimum Balance0.15%0.15%$500.00$5.00
    Free 4 Me
    Checking    		0.00%0.00%$0.00$0.00

    View Disclosures

    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.

    Save Rates

    Dividend Rates Effective October 1, 2026

    HSA Variable

    HSA Variable
    TermDividend RateAnnual Percentage YieldMinimum Balance
    to Open/Obtain
    Annual Percentage
    Yield
    HSA Variable0.25%0.25%$0.00

    View Disclosures

    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

    Jumbo IRA Certificates
    TermDividend RateAnnual
    Percentage
    Yield    		Minimum Balance
    to Open/Obtain
    Annual Percentage
    Yield
    6 Month4.12%4.20%
    		$100,000.00
    9 Month4.12%4.20%$100,000.00
    1 Year4.22%4.30%$100,000.00
    15 Month4.27%4.35%$100,000.00
    2 Year4.27%4.35%$100,000.00
    3 Year4.51%4.60%$100,000.00
    4 Year4.27%4.35%$100,000.00
    5 Year4.27%4.35%$100,000.00

    View Disclosures

    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

    Club Accounts
    Account TypeDividend RateAnnual
    Percentage
    Yield    		Minimum
    Balance to Open/Obtain
    Annual Percentage Yield
    Club0.25%0.25%$0.00

    View Disclosures

    Jumbo Share Certificates

    Jumbo Share Certificates
    TermDividend RateAnnual
    Percentage
    Yield    		Minimum Balance to Open/Obtain
    Annual Percentage
    Yield
    6 Month4.12%4.20%$100,000.00
    9 Month4.12%4.20%$100,000.00
    1 Year4.22%4.30%$100,000.00
    15 Month4.27%4.35%$100,000.00
    2 Year4.27%4.35%$100,000.00
    3 Year4.51%4.60%$100,000.00
    4 Year4.27%4.35%$100,000.00
    5 Year4.27%4.35%$100,000.00

    View Disclosures

    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

    IRA Certificates
    TermDividend RateAnnual
    Percentage
    Yield    		Minimum Balance
    to Open/Obtain
    Annual Percentage
    Yield
    IRA 6 Month4.03%4.10%$500.00
    IRA 9 Month4.03%4.10%$500.00
    IRA 1 Year4.12%4.20%$500.00
    IRA 15 Month4.17%4.25%$500.00
    IRA 2 Year4.17%4.25%$500.00
    IRA 3 Year4.41%4.50%$500.00
    IRA 4 Year4.17%4.25%$500.00
    IRA 5 Year4.17%4.25%$500.00

    View Disclosures

    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

    Share Accounts
    Account TypeDividend RateAnnual
    Percentage
    Yield    		Minimum to Open/Obtain
    Annual Percentage
    Yield
    Shares (B)0.25%0.25%$25.00

    View Disclosures

    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

    Money Market Share Accounts
    TierVariable Dividend Rate*Annual
    Percentage
    Yield    		Minimum Balance
    to Open/Obtain
    Annual Percentage
    Yield
    $1,000.00 – $24,999.992.47%2.50%$1,000.00
    $25,000.00 – $49,999.992.62%2.65%$25,000.00
    $50,000.00 – $99,999.992.76%2.80%$50,000.00
    $100,000 – $249,999.993.11%3.15%$100,000.00
    $250,000 & Over3.40%3.45%$250,000.00

    View Disclosures

    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

    Share Certificates
    TermDividend RateAnnual
    Percentage
    Yield    		Minimum to Open/Obtain
    Annual Percentage
    Yield
    6 Months4.03%4.10%$500.00
    9 Months4.03%4.10%$500.00
    1 Year4.12%4.20%$500.00
    15 Months4.17%4.25%$500.00
    2 Years4.17%4.25%$500.00
    3 Years4.41%4.50%$500.00
    4 Years4.17%4.25%$500.00
    5 Years4.17%4.25%$500.00

    View Disclosures

    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.

    Loan Rates

    Home Equity

    Home Equity
    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% LTVRATE (A)APRPayment per $1000RATE (A)APRPayment per $1000
    20 Year
    (minimum $50,000)    		7.125%
    		7.176%
    		$7.83N/AN/AN/A
    15 Year6.875%
    		6.936%
    		$8.92
    		7.250%
    		7.345%
    		$9.13
    10 Year6.750%
    		6.835%
    		$11.48
    		7.125%
    		7.256%
    		$11.68
    5 Year6.500%
    		6.655%
    		$19.57
    		7.000%
    		7.242%
    		$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 (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV7.000%7.000%Greater of $100 or accrued finance charge during draw period7.250%7.250%Greater of $100 or accrued finance charge during draw period

    View Disclosures

    Home Equity Line of Credit

    Home Equity
    80% LTVRATE (A) Prime +0APR-Adjusts Monthly based on IndexPayment per $1000

    80% LTV Prime (7.000%) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV.

    No closing costs.

    		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.

    $600.00 Closing Cost.

    5.990%

    After 2 Years: 7.000%

    6.103%

    After 2 Years: 7.120%

    		Greater of $100 or accrued finance charge during draw period

    View Disclosures

    Land Loans

    Land Loans
    Land LoanRate (A)APRPayment per $1,000
    15 Year7.500%7.818%
    		$9.27
    10 Year7.250%
    		7.690%
    		$11.74

    View Disclosures

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

    Mobile and Tiny Homes on Land

    Mobile and Tiny Homes on Land
    Mobile Home on LandRate (A)APRPayment per $1,000
    30 Year
    (2018+ min. credit score 680)    		7.125%7.231%$6.74
    20 Year7.000%7.137%$7.75
    15 Year6.625%6.792%$8.78
    10 Year6.625%6.860%$11.42

    View Disclosures

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

    Mobile Homes in a Park

    Mobile Homes in a Park
    Mobile Homes in a ParkRate (A)APRPayment per $1,000
    20 Year7.250%7.334%$7.90
    15 Year7.000%7.102%$8.99
    10 Year7.000%7.143%$11.61

    View Disclosures

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

    Motorcycle, ATV & Snowmobile

    YearMax TermInterest RateAnnual Percentage RateMonthly Interest
    Payment per $1,000
    2023 & Newer727.25%As low as 7.37%$17.23
    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
    2022 Only729.05%As low as 9.17%$18.11
    607.05%As low as 7.19%$19.89
    2019-2022486.45%As low as 6.62%$23.77
    2019-2022366.05%As low as 6.27%$30.55

    View Disclosures

    Max mileage 25,000

    Travel Trailers (RVs) and Boats

    YearMax TermInterest RateAnnual Percentage RateMonthly Interest
    Payment per $1,000
    2023 & Newer1807.80%As low as 7.83%$9.46
    1207.65%As low as 7.76%$12.00
    847.15%As low as 7.25%$15.22
    606.35%As low as 6.49%$19.56
    485.60%As low as 5.77%$23.88
    2022 Only847.55%As low as 7.65%$15.41
    2019-2022606.80%As low as 6.94%$19.77
    485.85%As low as 6.02%$23.49

    View Disclosures

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