Credit union · NCUA insured
Dirigo Federal Credit Union CD Rates
Top CarrotDirigo Federal Credit Union’s best CD rate is 4.60% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 9, 2026.
How Dirigo Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lewiston, ME, where Dirigo Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Dirigo Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Share Certificates
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
3rd-highest rate
Maine Family Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Dirigo Federal Credit Union CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Dirigo Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificates
Up to 4.60%APY · 8 terms
Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.20% | — |
| 9 months | 4.20% | — |
| 12 months | 4.30% | — |
| 15 months | 4.35% | — |
| 24 months | 4.35% | — |
| 36 months | 4.60% | — |
| 48 months | 4.35% | — |
| 60 months | 4.35% | — |
Sources (2)
All captured Oct 9, 2026
Share Certificates
Up to 4.50%APY · 8 terms
Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.10% | $203 |
| 9 months | 4.10% | $306 |
| 12 months | 4.20% | $420 |
| 15 months | 4.25% | $534 |
| 24 months | 4.25% | $868 |
| 36 months | 4.50% | $1,412 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.25% | $2,313 |
Sources (2)
All captured Oct 9, 2026
Special-purpose accounts
Jumbo IRA Certificates
Up to 4.60%APY · 8 terms
Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above. Traditional IRA, Roth IRA, and ESA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.20% | — |
| 9 months | 4.20% | — |
| 12 months | 4.30% | — |
| 15 months | 4.35% | — |
| 24 months | 4.35% | — |
| 36 months | 4.60% | — |
| 48 months | 4.35% | — |
| 60 months | 4.35% | — |
Sources (3)
- dirigofcu.com/personal/rates
- dirigofcu.com/personal/savings/certificates
- dirigofcu.com/personal/savings/iras
All captured Oct 9, 2026
IRA Certificates
Up to 4.50%APY · 8 terms
Relationship pricing for IRA Certificates is available for aggregate certificate account balances over $100,000: +0.10% not to exceed Jumbo Rates for same term. Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above. Traditional IRA, Roth IRA, and ESA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.10% | $203 |
| 9 months | 4.10% | $306 |
| 12 months | 4.20% | $420 |
| 15 months | 4.25% | $534 |
| 24 months | 4.25% | $868 |
| 36 months | 4.50% | $1,412 |
| 48 months | 4.25% | $1,811 |
| 60 months | 4.25% | $2,313 |
Sources (3)
- dirigofcu.com/personal/rates
- dirigofcu.com/personal/savings/certificates
- dirigofcu.com/personal/savings/iras
All captured Oct 9, 2026
Who can join Dirigo Federal Credit Union
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.
Membership information collected October 4, 2026.