Dirigo Federal Credit Union

Overview / Commentary
217 Main Street
Lewiston, ME 04240

Dirigo Federal Credit Union is headquartered in Lewiston and is the 11th largest credit union in the state of Maine. It is also the 875th largest credit union in the nation. It was established in 1956 and as of March of 2022, it had grown to 61 employees and 24,347 members at 3 locations. Dirigo Federal Credit Union's CD rates are 46% higher than the national average, and it boasts 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 Androscoggin County, Oxford County or New Gloucester, Maine, or have an immediate family member who is a Dirigo FCU member.
See current membership details

Reviews (2)

Great Bank And Wonderful Friendly Service!!

Posted by: |

Dirigo has it all, whatever you want or need from a bank you will find the very best of it right here!! Great customer service the tellers work with constant smiles, it's very nice to drive up and be welcomed personally by name every time. It's especially nice to know your money is safe and secure and should you fall victim to identity theft or an unexpected and/or unwarranted purchase/withdrawal Dirigo FCU replaces any lost funds back into your account immediately and start a full investigation on your behalf. It's just a wonderful little place to settle into!! Only complaint I see is the size/space, I love that it's so close to home and work but they really need to upsize soon, the Dirigo family has grown and they now need more room and drive thru tellers to fully accommodate everyone!! Thanks for being such a great place and always smiling!!! ??

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.


Health Grade Components

NCUA #11144
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD9.71%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$364.3MM$338.4MM
LoansQ1 2022vs Q1 2021$272.4MM$236.4MM
DepositsQ1 2022vs Q1 2021$322.6MM$298.9MM
Equity CapitalQ1 2022vs Q1 2021$35.3MM$31.8MM
Loan Loss AllowanceQ1 2022vs Q1 2021$2.0MM$1.9MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$537.00K$907.00K
Real Estate OwnedQ1 2022vs Q1 2021$0$0
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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

0.35%--IRA Variable
0.10%--All Purpose Club
0.10%--HSA Variable
0.10%$5-Christmas Club

Dirigo Federal Credit Union Money Market Rates

0.50%*$100k*-Money Market Share Account
OTHER TIERS: 0.25% $1k - $25k | 0.35% $25k - $50k | 0.40% $50k - $100k

Dirigo Federal Credit Union Checking Account Rates

2.00%*-$25kDirigo Honors Checking
OTHER TIERS: 0.29% $25k+
0.10%$500-Share Draft

Dirigo Federal Credit Union CD Rates

2.12%$100k-5 Year Jumbo CD
2.02%$500-5 Year CD
1.87%$100k-3 Year Jumbo CD
1.87%$100k-4 Year Jumbo CD
1.76%$500-3 Year CD
1.76%$500-4 Year CD
1.41%$100k-2 Year Jumbo CD
1.41%$100k-15 Month Jumbo CD
1.31%$500-15 Month CD
1.31%$500-2 Year CD
1.31%$100k-1 Year Jumbo CD
1.21%$500-1 Year CD
1.00%$100k-6 Month Jumbo CD
0.90%$500-6 Month CD

Dirigo Federal Credit Union IRA Rates

2.12%$100k-5 Year Jumbo IRA
2.02%$500-5 Year IRA
1.87%$100k-3 Year Jumbo IRA
1.87%$100k-4 Year Jumbo IRA
1.76%$500-3 Year IRA
1.76%$500-4 Year IRA
1.41%$100k-2 Year Jumbo IRA
1.41%$100k-15 Month Jumbo IRA
1.31%$500-2 Year IRA
1.31%$100k-1 Year Jumbo IRA
1.31%$500-15 Month IRA
1.21%$500-1 Year IRA
1.00%$100k-6 Month Jumbo IRA
0.90%$500-6 Month IRA

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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