What are the current interest rates at Dirigo Federal Credit Union?

Current rates for Dirigo Federal Credit Union include: 12-Month CD: 3.90%, 24-Month CD: 4.00%, 60-Month CD: 4.00%, MMA: 2.30%

MonitorBankRates

☰

New Survey New reader survey for savers. Has your bank raised your savings or CD rate since the Fed’s September hike?

Home›
Credit Unions›
Dirigo Federal Credit Union

iAdvertiser Disclosure

Dirigo Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Dirigo Federal Credit Union?

Yes, to access services at Dirigo Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dirigo Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 27, 2026

Dirigo Federal Credit Union's top rates as of September 27, 2026 are 4.21% APY on its 15 Month Jumbo IRA CDs CD, 2.30% APY on money market accounts, 5.88% on its 10 Year Loan mortgage, personal loans from 9.73% APR, and credit cards from 9.95% APR, according to rates verified by MonitorBankRates. Other Dirigo Federal Credit Union CD rates include 15 Month Jumbo CDs at 4.21%, 2 Year Jumbo IRA CDs at 4.11%, and 2 Year Jumbo CDs at 4.11%. Other Dirigo Federal Credit Union mortgage rates include Portfolio Mortgages - 10 Year at 5.88%, Mortgage - 15 Year Loan at 6.00%, and Portfolio Mortgages - 15 Year at 6.00%. MonitorBankRates evaluates the financial stability of Dirigo Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.54%. Rates last updated and verified on 09/27/2026.

Dirigo Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Dirigo Federal Credit Union? Share your experience about Dirigo Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Dirigo Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.54%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Dirigo Federal Credit Union
Main Street

391 Main St
Lewiston, ME 04240

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Dirigo Federal Credit Union CD Rates

Product	Rate	APY	Term
15 Month Jumbo IRA Certificates	4.13%	4.21%	15 Month
Rate History No change since Sep 24, 2026 · 4.21% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
15 Month Jumbo Share Certificates	4.13%	4.21%	15 Month
Rate History No change since Sep 24, 2026 · 4.21% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
2 Year Jumbo IRA Certificates	4.03%	4.11%	2 Year
Rate History No change since Sep 24, 2026 · 4.11% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
2 Year Jumbo Share Certificates	4.03%	4.11%	2 Year
Rate History No change since Sep 24, 2026 · 4.11% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
5 Year Jumbo IRA Certificates	4.03%	4.11%	5 Year
Rate History No change since Sep 24, 2026 · 4.11% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
5 Year Jumbo Share Certificates	4.03%	4.11%	5 Year
Rate History No change since Sep 24, 2026 · 4.11% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
15 Month Share Certificates	4.03%	4.10%	15 Months
Rate History No change since Sep 24, 2026 · 4.10% APY · checked 2 times Min Deposit $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 15 Month	4.03%	4.10%	15 Month
Rate History No change since Sep 24, 2026 · 4.10% APY · checked 2 times Min Balance $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
6 Month Jumbo IRA Certificates	3.98%	4.05%	6 Month
Rate History No change since Sep 24, 2026 · 4.05% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
6 Month Jumbo Share Certificates	3.98%	4.05%	6 Month
Rate History No change since Sep 24, 2026 · 4.05% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
1 Year Jumbo IRA Certificates	3.93%	4.00%	1 Year
Rate History No change since Sep 24, 2026 · 4.00% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
1 Year Jumbo Share Certificates	3.93%	4.00%	1 Year
Rate History No change since Sep 24, 2026 · 4.00% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
2 Year Share Certificates	3.93%	4.00%	2 Years
Rate History No change since Sep 24, 2026 · 4.00% APY · checked 2 times Min Deposit $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
5 Year Share Certificates	3.93%	4.00%	5 Years
Rate History No change since Sep 24, 2026 · 4.00% APY · checked 2 times Min Deposit $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
9 Month Jumbo IRA Certificates	3.93%	4.00%	9 Month
Rate History No change since Sep 24, 2026 · 4.00% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
9 Month Jumbo Share Certificates	3.93%	4.00%	9 Month
Rate History No change since Sep 24, 2026 · 4.00% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 2 Year	3.93%	4.00%	2 Year
Rate History No change since Sep 24, 2026 · 4.00% APY · checked 2 times Min Balance $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 5 Year	3.93%	4.00%	5 Year
Rate History No change since Sep 24, 2026 · 4.00% APY · checked 2 times Min Balance $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
6 Month Share Certificates	3.89%	3.95%	6 Months
Rate History No change since Sep 24, 2026 · 3.95% APY · checked 2 times Min Deposit $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 6 Month	3.89%	3.95%	6 Month
Rate History No change since Sep 24, 2026 · 3.95% APY · checked 2 times Min Balance $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
1 Year Share Certificates	3.83%	3.90%	1 Year
Rate History No change since Sep 24, 2026 · 3.90% APY · checked 2 times Min Deposit $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
3 Year Jumbo IRA Certificates	3.83%	3.90%	3 Year
Rate History No change since Sep 24, 2026 · 3.90% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
3 Year Jumbo Share Certificates	3.83%	3.90%	3 Year
Rate History No change since Sep 24, 2026 · 3.90% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
4 Year Jumbo IRA Certificates	3.83%	3.90%	4 Year
Rate History No change since Sep 24, 2026 · 3.90% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
4 Year Jumbo Share Certificates	3.83%	3.90%	4 Year
Rate History No change since Sep 24, 2026 · 3.90% APY · checked 2 times Min Balance $100,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
9 Month Share Certificates	3.83%	3.90%	9 Months
Rate History No change since Sep 24, 2026 · 3.90% APY · checked 2 times Min Deposit $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 1 Year	3.83%	3.90%	1 Year
Rate History No change since Sep 24, 2026 · 3.90% APY · checked 2 times Min Balance $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 9 Month	3.83%	3.90%	9 Month
Rate History No change since Sep 24, 2026 · 3.90% APY · checked 2 times Min Balance $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
3 Year Share Certificates	3.73%	3.79%	3 Years
Rate History No change since Sep 24, 2026 · 3.79% APY · checked 2 times Min Deposit $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
4 Year Share Certificates	3.73%	3.79%	4 Years
Rate History No change since Sep 24, 2026 · 3.79% APY · checked 2 times Min Deposit $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 3 Year	3.73%	3.79%	3 Year
Rate History No change since Sep 24, 2026 · 3.79% APY · checked 2 times Min Balance $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 4 Year	3.73%	3.79%	4 Year
Rate History No change since Sep 24, 2026 · 3.79% APY · checked 2 times Min Balance $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Savings Rates

Product	Rate	APY	View More
Club	0.25%	0.25%
Rate History No change since Sep 24, 2026 · 0.25% APY · checked 2 times Min Balance $0 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Share Accounts	3.20%	3.25%
Rate History No change since Sep 24, 2026 · 3.25% APY · checked 2 times Min Balance $250,000 Details Balance: $250,000 & Over Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	2.91%	2.95%
Rate History No change since Sep 24, 2026 · 2.95% APY · checked 2 times Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	2.57%	2.60%
Rate History No change since Sep 24, 2026 · 2.60% APY · checked 2 times Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	2.42%	2.45%
Rate History No change since Sep 24, 2026 · 2.45% APY · checked 2 times Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	2.28%	2.30%
Rate History No change since Sep 24, 2026 · 2.30% APY · checked 2 times Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Checking Rates

Product	Rate	APY
Dirigo Honors Checking	3.45%	3.50%
Rate History No change since Sep 24, 2026 · 3.50% APY · checked 2 times Min Balance $0 Details Balance: $0-$25,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Dirigo Honors Checking	0.10%	0.10%
Rate History No change since Sep 24, 2026 · 0.10% APY · checked 2 times Min Balance $0 Details Qualifications NOT met; Balance: Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - 10 Year Loan	5.88%	-	6.06%	10 Year
Rate History No change since Sep 24, 2026 · 6.06% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Portfolio Mortgages - 10 Year	5.88%	-	6.06%	10 Year
Rate History No change since Sep 24, 2026 · 6.06% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mortgage - 15 Year Loan	6.00%	-	6.14%	15 Year
Rate History No change since Sep 24, 2026 · 6.14% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Portfolio Mortgages - 15 Year	6.00%	-	6.14%	15 Year
Rate History No change since Sep 24, 2026 · 6.14% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Portfolio Mortgages - 30 Year (Portfolio minimum credit score 680)	6.25%	-	6.33%	30 Year
Rate History No change since Sep 24, 2026 · 6.33% APR · checked 2 times Details Portfolio minimum credit score 680 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mortgage - 20 Year Loan	6.13%	-	6.36%	20 Year
Rate History No change since Sep 24, 2026 · 6.36% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Portfolio Mortgages - 20 Year	6.13%	-	6.36%	20 Year
Rate History No change since Sep 24, 2026 · 6.36% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	5.99%	-	6.10%	2 YR Fixed
Rate History No change since Sep 24, 2026 · 6.10% APR · checked 2 times Details Special 2 YR Fixed (6.250%) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV. $600.00 Closing Cost. After 2 Years: 6.750% APR; After 2 Years: 6.989% Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (closed end) (+.75% for mobile homes) - 5 Year	6.00%	-	6.15%	5 Year
Rate History No change since Sep 24, 2026 · 6.15% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (closed end) (+.75% for mobile homes) - 15 Year	6.25%	-	6.31%	15 Year
Rate History No change since Sep 24, 2026 · 6.31% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (closed end) (+.75% for mobile homes) - 10 Year	6.25%	-	6.33%	10 Year
Rate History No change since Sep 24, 2026 · 6.33% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity (Subordinate Lien) - 5 Year	6.25%	-	6.41%	5 Year
Rate History No change since Sep 24, 2026 · 6.41% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (closed end) (+.75% for mobile homes) - 20 Year	6.38%	-	6.42%	20 Year
Rate History No change since Sep 24, 2026 · 6.42% APR · checked 2 times Details minimum $50,000 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity (Subordinate Lien) - 15 Year	6.50%	-	6.56%	15 Year
Rate History No change since Sep 24, 2026 · 6.56% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity (Subordinate Lien) - 10 Year	6.50%	-	6.58%	10 Year
Rate History No change since Sep 24, 2026 · 6.58% APR · checked 2 times No additional details. Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Line of Credit - 80% LTV Prime (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV	6.75%	-	6.75%
Rate History No change since Sep 24, 2026 · 6.75% APR · checked 2 times Details Rate: Prime +0; Adjusts Monthly based on Index Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Line of Credit - 80% LTV Prime +0	6.75%	-	6.75%
Rate History No change since Sep 24, 2026 · 6.75% APR · checked 2 times Details Rate: Prime +0; 80% LTV Prime (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV; Greater of $100 or accrued finance charge during draw period Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Line of Credit - 80% LTV Prime (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV	7.00%	-	7.00%
Rate History No change since Sep 24, 2026 · 7.00% APR · checked 2 times Details Rate: Prime +.25; Adjusts Monthly based on Index Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Line of Credit - 80% LTV Prime +.25	7.00%	-	7.00%
Rate History No change since Sep 24, 2026 · 7.00% APR · checked 2 times Details Rate: Prime +.25; 80% LTV Prime (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV; Greater of $100 or accrued finance charge during draw period Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto, Truck	4.15%	-	4.37%	36 months
Rate History No change since Sep 24, 2026 · 4.37% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck	4.25%	-	4.42%	48 months
Rate History No change since Sep 24, 2026 · 4.42% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck	4.40%	-	4.54%	60 months
Rate History No change since Sep 24, 2026 · 4.54% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck	4.90%	-	5.02%	72 months
Rate History No change since Sep 24, 2026 · 5.02% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck	5.00%	-	5.22%	36 months
Rate History No change since Sep 24, 2026 · 5.22% APR · checked 2 times Details As low as; Year: 2019-2022 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck	5.15%	-	5.32%	48 months
Rate History No change since Sep 24, 2026 · 5.32% APR · checked 2 times Details As low as; Year: 2019-2022 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck	5.60%	-	5.74%	60 months
Rate History No change since Sep 24, 2026 · 5.74% APR · checked 2 times Details As low as; Year: 2019-2022 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck	5.65%	-	5.77%	72 months
Rate History No change since Sep 24, 2026 · 5.77% APR · checked 2 times Details As low as; Year: 2022 Only Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck	5.89%	-	5.99%	84 months
Rate History No change since Sep 24, 2026 · 5.99% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle, ATV & Snowmobile Loan	5.00%	5.22%	36 months
Rate History No change since Sep 24, 2026 · 5.22% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	5.15%	5.32%	48 months
Rate History No change since Sep 24, 2026 · 5.32% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	5.25%	5.42%	48 months
Rate History No change since Sep 24, 2026 · 5.42% APR · checked 2 times Details As low as; Year: 2019-2022 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	5.40%	5.57%	48 months
Rate History No change since Sep 24, 2026 · 5.57% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	5.50%	5.72%	36 months
Rate History No change since Sep 24, 2026 · 5.72% APR · checked 2 times Details As low as; Year: 2019-2022 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	5.65%	5.79%	60 months
Rate History No change since Sep 24, 2026 · 5.79% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	5.90%	6.04%	60 months
Rate History No change since Sep 24, 2026 · 6.04% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	5.90%	6.07%	48 months
Rate History No change since Sep 24, 2026 · 6.07% APR · checked 2 times Details As low as; Year: 2019-2022 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	6.20%	6.34%	60 months
Rate History No change since Sep 24, 2026 · 6.34% APR · checked 2 times Details As low as; Year: 2019-2022 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	6.50%	6.64%	60 months
Rate History No change since Sep 24, 2026 · 6.64% APR · checked 2 times Details As low as; Year: 2019-2022 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	6.65%	6.77%	72 months
Rate History No change since Sep 24, 2026 · 6.77% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	6.70%	6.80%	84 months
Rate History No change since Sep 24, 2026 · 6.80% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	6.95%	7.05%	84 months
Rate History No change since Sep 24, 2026 · 7.05% APR · checked 2 times Details As low as; Year: 2022 Only Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	7.20%	7.31%	120 months
Rate History No change since Sep 24, 2026 · 7.31% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	7.35%	7.38%	180 months
Rate History No change since Sep 24, 2026 · 7.38% APR · checked 2 times Details As low as; Year: 2023 & Newer Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	8.50%	8.62%	72 months
Rate History No change since Sep 24, 2026 · 8.62% APR · checked 2 times Details As low as; Year: 2022 Only Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Credit Card Rates

Product	Rate	APR
Dirigo Platinum Credit Card	-	9.95%
Rate History No change since Sep 24, 2026 · 9.95% APR · checked 2 times Details Intro rate expires: 5.95%; Regular APR: 5.95% Introductory Rate then As low as 9.95% Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Platinum Mastercard	-	9.95%
Rate History No change since Sep 27, 2026 · 9.95% APR Details Intro/promo APR: 5.95%; Intro rate expires: 6 months; Regular APR: 9.95% - 9.95% Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Dirigo Platinum Rewards Credit Card	-	11.95%
Rate History No change since Sep 24, 2026 · 11.95% APR · checked 2 times Details As low as; Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only) Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Dirigo Business Rewards Credit Card	-	13.99%
Rate History No change since Sep 24, 2026 · 13.99% APR · checked 2 times Details As low as; Dirigo Business Rewards Credit Card Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan	9.73%	36 months
Rate History No change since Sep 24, 2026 · 9.73% APR · checked 2 times Details As low as; Unsecured Loan Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Unsecured Loan	10.18%	48 months
Rate History No change since Sep 24, 2026 · 10.18% APR · checked 2 times Details As low as; Unsecured Loan Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Unsecured Loan	10.39%	60 months
Rate History No change since Sep 24, 2026 · 10.39% APR · checked 2 times Details As low as; Unsecured Loan Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Energy/Emergency Loan	-	-	4.00%	26 months
Rate History No change since Sep 24, 2026 · 4.00% APR · checked 2 times Details 1 loan per member, $2,500 max Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Land Loan - 10 Year	6.75%	-	7.19%	10 Year
Rate History No change since Sep 24, 2026 · 7.19% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Land Loan - 15 Year	7.00%	-	7.31%	15 Year
Rate History No change since Sep 24, 2026 · 7.31% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land - 10 Year Loan	6.13%	-	6.32%	10 Year
Rate History No change since Sep 24, 2026 · 6.32% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land - 15 Year Loan	6.38%	-	6.51%	15 Year
Rate History No change since Sep 24, 2026 · 6.51% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land - 20 Year Loan	6.38%	-	6.49%	20 Year
Rate History No change since Sep 24, 2026 · 6.49% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land - 30 Year Loan	6.50%	-	6.58%	30 Year
Rate History No change since Sep 24, 2026 · 6.58% APR · checked 2 times Details min. credit score 680 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Homes in a Park - 10 Year Loan	6.38%	-	6.52%	10 Year
Rate History No change since Sep 24, 2026 · 6.52% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Homes in a Park - 15 Year Loan	6.63%	-	6.73%	15 Year
Rate History No change since Sep 24, 2026 · 6.73% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Homes in a Park - 20 Year Loan	6.75%	-	6.83%	20 Year
Rate History No change since Sep 24, 2026 · 6.83% APR · checked 2 times Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Share Draft Minimum Balance	0.15%	-	0.15%
Rate History No change since Sep 24, 2026 · 0.15% APY · checked 2 times Min Balance $500 Last Updated 09/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Dirigo Federal Credit Union’s Texas Ratio rose from 5.80% in Q3 2023 to 6.54% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$498M	6.54%	5.0	A
March 31, 2026	$495M	4.96%	5.0	A+
December 31, 2025	$473M	5.64%	5.0	A+
September 30, 2025	$468M	6.27%	5.0	A
June 30, 2025	$465M	5.81%	5.0	A+
March 31, 2025	$458M	5.44%	5.0	A+
December 31, 2024	$436M	6.61%	5.0	A
September 30, 2024	$429M	6.78%	5.0	A
June 30, 2024	$425M	3.52%	5.0	A+
March 31, 2024	$424M	1.88%	5.0	A+
December 31, 2023	$409M	3.58%	5.0	A+
September 30, 2023	$404M	5.80%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Dirigo Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Dirigo Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Dirigo Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Dirigo Federal Credit Union

Website N/A

Address 391 Main St, Lewiston, ME 04240

Phone 207-784-5435

Fax 207-786-0495

President Steve Mennealy

CEO Mark Samson

Full-Time Employees 77

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.54%

Return on Assets (ROA)

0.1863%

Return on Equity (ROE)

1.8394%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

498,209,961

Total Amount of Shares and Deposits

443,841,708

Total Shares and Deposits < 1 Year

411,199,560

Total Shares and Deposits 1 3 Years

19,993,199

Total Shares and Deposits > 3 Years

12,648,951

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

15,931,926

Total Uninsured Shares and Deposits > $250K (F+J)

15,931,926

Total Insured Shares and Deposits > $250K (item 17 less item K)

427,909,782

Total Interest Expense (Sum of items 6 8)

4,620,989

Share Certificates

3,940

Number of Accounts for Share Drafts

17,463

IRA KEOGH Accounts

1,526

Number of Accounts for Regular Shares

35,878

Money Market Shares

1,929

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

25,984,667

Total Liabilities

449,128,191

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Dirigo Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/credit-unions/dirigo-federal-credit-union-rates-review-11144">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Dirigo Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Dirigo Federal Credit Union

Frequently Asked Questions About Dirigo Federal Credit Union

How many branches does Dirigo Federal Credit Union operate?

Dirigo Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Dirigo Federal Credit Union?

Yes, to access services at Dirigo Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Dirigo Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Dirigo Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Dirigo Federal Credit Union offer online and mobile banking?

Most modern institutions like Dirigo Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.

Current Dirigo Federal Credit Union Rates

12-Month CD3.90%
24-Month CD4.00%
60-Month CD4.00%
MMA2.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Dirigo Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Dirigo Federal Credit Union Texas Ratio

Dirigo Federal Credit Union Health Trend

Dirigo Federal Credit Union CD Rates

Dirigo Federal Credit Union Savings Rates

Dirigo Federal Credit Union Money Market Rates

Dirigo Federal Credit Union Checking Rates

Dirigo Federal Credit Union Mortgage Rates

Dirigo Federal Credit Union Home Equity & HELOC

Dirigo Federal Credit Union Auto Loan Rates

Dirigo Federal Credit Union RV, Boat and Powersport Loan Rates

Dirigo Federal Credit Union Credit Card Rates

Dirigo Federal Credit Union Personal Loan Rates

Dirigo Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Dirigo Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Dirigo Federal Credit Union

How many branches does Dirigo Federal Credit Union operate?

Is a member application needed to join Dirigo Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Dirigo Federal Credit Union offer online and mobile banking?

Current Dirigo Federal Credit Union Rates

Compare to Other Credit Unions