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Dirigo Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.dirigofcu.com
207-784-5435
217 Main Street
Lewiston, ME 04240

Dirigo Federal Credit Union is headquartered in Lewiston and is the 9th largest credit union in the state of Maine. It is also the 791st largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 70 employees and 27,572 members at 3 locations. Dirigo Federal Credit Union's money market rates are 8X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Dirigo Federal Credit Union is open to those who live, work, or attend school in the Maine counties of Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York. Immediate family members of an existing Dirigo Federal Credit Union member are also eligible to join.
See current membership details

Reviews (1)

They Pulled A Switcheroo On Me

Posted by: |

They changed their rewards checking so that instead of an ACH debit they now require a ACH credit in order to qualify. They claim they notified me of this change but I have no record of this. I can't accommodate this change so I'm now forced to cancel my membership and take my business elsewhere.

1


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #11144
Year Chartered1956
Employees70
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD5.83%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$458.3MM$423.6MM
LoansQ1 2025vs Q1 2024$350.1MM$334.7MM
DepositsQ1 2025vs Q1 2024$408MM$376.7MM
Equity CapitalQ1 2025vs Q1 2024$45.9MM$42.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.4MM$2.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.7MM$890K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Dirigo Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Dirigo Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$25-Shares
0.25%$0-HSA Variable
0.25%$0-Save20 Club
0.25%$25-Business Share Account

Dirigo Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.51%*$250k*-Money Market Share Account
OTHER TIERS: 2.50% → $1k - $25k | 2.70% → $25k - $50k | 2.90% → $50k - $100k | 3.20% → $100k - $250k
3.51%*$250k*-Business Money Market Share Account
OTHER TIERS: 2.50% → $1k - $25k | 2.70% → $25k - $50k | 2.90% → $50k - $100k | 3.20% → $100k - $250k

Dirigo Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$0$25kDirigo Honors Checking
OTHER TIERS: 0.29% → $25k+
0.15%$500-Share Draft

Dirigo Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$100k-1 Year Jumbo CD
4.20%$100k-5 Year Jumbo CD
4.11%$100k-6 Month Jumbo CD
4.11%$100k-15 Month Jumbo CD
4.11%$100k-9 Month Jumbo CD
4.10%$500-1 Year CD
4.10%$500-5 Year CD
4.00%$500-6 Month CD
4.00%$500-15 Month CD
4.00%$100k-2 Year Jumbo CD
4.00%$100k-3 Year Jumbo CD
4.00%$100k-4 Year Jumbo CD
4.00%$500-9 Month CD
3.90%$500-2 Year CD
3.90%$500-3 Year CD
3.90%$500-4 Year CD

Dirigo Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$100k-1 Year Jumbo IRA
4.20%$100k-5 Year Jumbo IRA
4.11%$100k-6 Month Jumbo IRA
4.11%$100k-15 Month Jumbo IRA
4.11%$100k-9 Month Jumbo IRA
4.10%$500-1 Year IRA
4.10%$500-5 Year IRA
4.00%$100k-2 Year Jumbo IRA
4.00%$100k-3 Year Jumbo IRA
4.00%$100k-4 Year Jumbo IRA
4.00%$500-6 Month IRA
4.00%$500-15 Month IRA
4.00%$500-9 Month IRA
3.90%$500-2 Year IRA
3.90%$500-3 Year IRA
3.90%$500-4 Year IRA
2.73%$0-IRA Variable
Locations


Dirigo Federal Credit Union Locations
Branch Office172 Pine StSouth Paris, ME 04281
Branch Office20 Washington St NAuburn, ME 04210
Branch Office1 Lewiston StMechanic Falls, ME 04256

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