Credit union · NCUA insured
Dirigo Federal Credit Union Savings Rates
Top CarrotDirigo Federal Credit Union’s best savings rate is 2.50% APY on $10,000, with its Money Market Share Accounts. Rates checked October 9, 2026.
How Dirigo Federal Credit Union’s savings 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
2.50%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $250
Money Market Share Accounts
Top rate
Northeast Bank
3.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
2nd-highest rate
Camden National Bank
2.65%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $265
Dirigo Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.50%
- $10,000 balance$10,0002.50%
- $100,000 balance$100,0003.15%
- QualifiedQualified2.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Share Accounts
2.50%APY
Variable dividend rate. Par value of membership share is $25.00 retained in share savings account. Stated minimum opening balance is required to obtain APY.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $1,000 – $25,000$1,000 to open | 2.50% | $1,000 | $250 |
| $25,000 – $50,000Unknown to open | 2.65% | Unknown | — |
| $50,000 – $100,000Unknown to open | 2.80% | Unknown | — |
| $100,000 – $250,000Unknown to open | 3.15% | Unknown | — |
| $250,000 and upUnknown to open | 3.45% | Unknown | — |
Sources (2)
All captured Oct 9, 2026
Share Account
0.25%APY
Par value of a membership share is $25.00, which must be fully paid and retained in share savings account. Membership requires living, working, worshipping, or attending school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York county. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAverage daily balance method to calculate dividends. Dividends credited and compounded monthly. Minimum balance to open/obtain APY is $25.00.$25 and up | 0.25% | $25 | Average daily balance method to calculate dividends. Dividends credited and compounded monthly. Minimum balance to open/obtain APY is $25.00. |
Special-purpose accounts
IRA Variable
2.76%APY
Offers Traditional IRA and Roth IRA options. Traditional IRA contributions are tax-deductible/deferred; Roth IRA distributions are tax-free at retirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDaily balance method. Dividends credited monthly and compounded daily. Minimum balance to open/obtain APY is $0.00.Any balance | 2.76% | $276 | Daily balance method. Dividends credited monthly and compounded daily. Minimum balance to open/obtain APY is $0.00. |
Sources (3)
- dirigofcu.com/personal/savings
- dirigofcu.com/personal/savings/iras
- dirigofcu.com/wp-content/uploa…edule-of-Fees-2025-6.pdf
All captured Oct 9, 2026
Club Account
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAverage daily balance method to calculate dividends. Dividends credited and compounded monthly. Minimum balance to open/obtain APY is $0.00.Any balance | 0.25% | $25 | Average daily balance method to calculate dividends. Dividends credited and compounded monthly. Minimum balance to open/obtain APY is $0.00. |
Sources (2)
All captured Oct 9, 2026
HSA Variable
0.25%APY
Must be covered by a high deductible health plan, not enrolled in Medicare, and not claimed as a dependent on someone's federal income tax return. Tax-free earnings and withdrawals for qualified medical expenses. HSA Debit Card available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDaily balance method. Dividends credited monthly and compounded daily. Minimum balance to open/obtain APY is $0.00. Rates subject to change after opening.Any balance | 0.25% | $25 | Daily balance method. Dividends credited monthly and compounded daily. Minimum balance to open/obtain APY is $0.00. Rates subject to change after opening. |
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.