Credit union · NCUA insured
Dirigo Federal Credit Union
Top CarrotA $494.9M credit union, with 28,620 members and 4 branches in Maine. Best rates: CDs 4.60% and savings 2.50% APY.
Dirigo Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#2 of 17 in Lewiston, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Dirigo Federal Credit Union
Dirigo Federal Credit Union serves the Maine counties of Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, and York.
The credit union has served its members for 70 years.
- NCUA charter
- 11144
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who work, reside (or live), attend school, or worship in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York county are eligible for membership.
Family and household
- Individuals who have an immediate family member who is a Dirigo FCU member in good standing are eligible for membership.
Cost to join
- Membership requires opening and maintaining a Share Account with a minimum balance of $25.00.
Branches
4 branches in Maine
Loading map…
Maine
4 branches
Lewiston area · 2
- Auburn20 Washington St N, Auburn, ME 04210Directions
- Mechanic Falls1 Lewiston St, Mechanic Falls, ME 04256Directions
Portland area · 1
- Scarborough424 Payne Rd, Scarborough, ME 04074Directions
South Paris area · 1
- South Paris172 Pine St, South Paris, ME 04281Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.13% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.93% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.38% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio10.13%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.93%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.38%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Dirigo Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.