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Dirigo Federal Credit Union

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Dirigo Federal Credit Union Rates & Review November 2026

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

Current rates for Dirigo Federal Credit Union include: 12-Month CD: 4.20%, 24-Month CD: 4.25%, 60-Month CD: 4.25%, MMA: 3.45%

Q: What CD terms does Dirigo Federal Credit Union offer?

Dirigo Federal Credit Union CD rates are 4.20% APY for a 12 month CD, 4.25% APY for a 15 month CD, 4.25% APY for a 2 year CD, 4.50% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Dirigo Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Dirigo Federal Credit Union's 3 Year CDs rates are at 4.50%, 15 Month CDs rates are at 4.25%, 2 Year CDs rates are at 4.25%, 4 Year CDs rates are at 4.25%, 5 Year CDs rates are at 4.25%. Dirigo Federal Credit Union's money market rates are at 3.45%. Dirigo Federal Credit Union's checking rates are as high as 3.50%. Dirigo Federal Credit Union's Portfolio Mortgage - 10 Year rates are at 6.25%, Portfolio Mortgage - 15 Year rates are at 6.38%, Portfolio Mortgage - 20 Year rates are at 6.75%, Portfolio Mortgage - 30 Year rates are at 6.88%. Dirigo Federal Credit Union's Personal Loan Rates are as low as 10.22%. Dirigo Federal Credit Union's Credit Card Rates are at 9.95%. Dirigo Federal Credit Union's CD rates are 48% higher than the MonitorBankRates national average, and it has an A health rating. 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 10/30/2026.

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

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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
Jumbo IRA Certificate - 3 Year	4.51%	4.60%	3 Year
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo Share Certificates - 3 Year	4.51%	4.60%	3 Year
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
3 Year Share Certificates	4.41%	4.50%	3 Years
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.79% → 4.50% ▲ 0.71 pts · high 4.50% / low 3.79% Oct 30, 20264.50%▲ from 3.79% Sep 24, 20263.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 3 Year	4.41%	4.50%	3 Year
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.79% → 4.50% ▲ 0.71 pts · high 4.50% / low 3.79% Oct 6, 20264.50%▲ from 3.79% Sep 24, 20263.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo IRA Certificate - 15 Month	4.27%	4.35%	15 Month
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo IRA Certificate - 2 Year	4.27%	4.35%	2 Year
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo IRA Certificate - 4 Year	4.27%	4.35%	4 Year
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo IRA Certificate - 5 Year	4.27%	4.35%	5 Year
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo Share Certificates - 15 Month	4.27%	4.35%	15 Month
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo Share Certificates - 2 Year	4.27%	4.35%	2 Year
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo Share Certificates - 4 Year	4.27%	4.35%	4 Year
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo Share Certificates - 5 Year	4.27%	4.35%	5 Year
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo IRA Certificate - 1 Year	4.22%	4.30%	1 Year
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo Share Certificates - 1 Year	4.22%	4.30%	1 Year
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
15 Month Share Certificates	4.17%	4.25%	15 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10% Oct 30, 20264.25%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
2 Year Share Certificates	4.17%	4.25%	2 Years
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 30, 20264.25%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
4 Year Share Certificates	4.17%	4.25%	4 Years
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79% Oct 30, 20264.25%▲ from 3.79% Sep 24, 20263.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
5 Year Share Certificates	4.17%	4.25%	5 Years
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 30, 20264.25%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 15 Month	4.17%	4.25%	15 Month
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10% Oct 6, 20264.25%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 2 Year	4.17%	4.25%	2 Year
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 6, 20264.25%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 4 Year	4.17%	4.25%	4 Year
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79% Oct 6, 20264.25%▲ from 3.79% Sep 24, 20263.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 5 Year	4.17%	4.25%	5 Year
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 6, 20264.25%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
1 Year Share Certificates	4.12%	4.20%	1 Year
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 30, 20264.20%▲ from 3.90% Sep 24, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 1 Year	4.12%	4.20%	1 Year
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 6, 20264.20%▲ from 3.90% Sep 24, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo IRA Certificate - 6 Month	4.12%	4.20%	6 Month
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo IRA Certificate - 9 Month	4.12%	4.20%	9 Month
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo Share Certificates - 6 Month	4.12%	4.20%	6 Month
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Jumbo Share Certificates - 9 Month	4.12%	4.20%	9 Month
Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 4.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
6 Month Share Certificates	4.03%	4.10%	6 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95% Oct 30, 20264.10%▲ from 3.95% Sep 24, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
9 Month Share Certificates	4.03%	4.10%	9 Months
Min Deposit $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 30, 20264.10%▲ from 3.90% Sep 24, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 6 Month	4.03%	4.10%	6 Month
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95% Oct 6, 20264.10%▲ from 3.95% Sep 24, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
IRA 9 Month	4.03%	4.10%	9 Month
Min Balance $500 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90% Oct 6, 20264.10%▲ from 3.90% Sep 24, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Share Accounts	3.40%	3.45%
Min Balance $250,000 Details Balance: $250,000 & Over; Variable Dividend Rate Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Oct 6, 20263.45%▲ from 3.25% Sep 24, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	3.11%	3.15%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Variable Dividend Rate Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 2.95% → 3.15% ▲ 0.20 pts · high 3.15% / low 2.95% Oct 6, 20263.15%▲ from 2.95% Sep 24, 20262.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	2.76%	2.80%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Variable Dividend Rate Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 2.60% → 2.80% ▲ 0.20 pts · high 2.80% / low 2.60% Oct 6, 20262.80%▲ from 2.60% Sep 24, 20262.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	2.62%	2.65%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Variable Dividend Rate Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 2.45% → 2.65% ▲ 0.20 pts · high 2.65% / low 2.45% Oct 6, 20262.65%▲ from 2.45% Sep 24, 20262.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	2.47%	2.50%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Variable Dividend Rate Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 2.30% → 2.50% ▲ 0.20 pts · high 2.50% / low 2.30% Oct 6, 20262.50%▲ from 2.30% Sep 24, 20262.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Club	0.25%	0.25%
Min Balance $0 Details Club Accounts Last Updated 10/30/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Shares (B)	0.25%	0.25%
Min Deposit $25 Details Share Accounts Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 0.25% APY · checked 6 times 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	3.40%	3.45%
Min Balance $250,000 Details Balance: $250,000 & Over; Variable Dividend Rate Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 3.25% → 3.45% ▲ 0.20 pts · high 3.45% / low 3.25% Oct 6, 20263.45%▲ from 3.25% Sep 24, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	3.11%	3.15%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Variable Dividend Rate Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 2.95% → 3.15% ▲ 0.20 pts · high 3.15% / low 2.95% Oct 6, 20263.15%▲ from 2.95% Sep 24, 20262.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	2.76%	2.80%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Variable Dividend Rate Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 2.60% → 2.80% ▲ 0.20 pts · high 2.80% / low 2.60% Oct 6, 20262.80%▲ from 2.60% Sep 24, 20262.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	2.62%	2.65%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Variable Dividend Rate Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 2.45% → 2.65% ▲ 0.20 pts · high 2.65% / low 2.45% Oct 6, 20262.65%▲ from 2.45% Sep 24, 20262.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Share Accounts	2.47%	2.50%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99; Variable Dividend Rate Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 2.30% → 2.50% ▲ 0.20 pts · high 2.50% / low 2.30% Oct 6, 20262.50%▲ from 2.30% Sep 24, 20262.30%first recorded 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%
Min Balance $0 Details Qualifications Required; Balance: $0-$25,000 Last Updated 10/30/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Share Draft	0.15%	0.15%
Min Balance $500 Details Share Draft Checking Accounts; Monthly fee if balance falls below minimum balance: $5.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Free 4 Me Checking	0.00%	0.00%
Min Balance $0 Details Share Draft Checking Accounts; Monthly fee if balance falls below minimum balance: $0.00 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Regular Checking	0.00%	0.00%
Min Balance $0 Details Share Draft Checking Accounts; Monthly fee if balance falls below minimum balance: $0.00 Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Dirigo Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Portfolio Mortgage - 10 Year	6.25%	-	6.481%	10 Year
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.48% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Portfolio Mortgage - 15 Year	6.375%	-	6.54%	15 Year
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Portfolio Mortgage - 20 Year	6.75%	-	6.885%	20 Year
No additional details. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Portfolio Mortgage - 30 Year	6.875%	-	6.979%	30 Year
Details Portfolio minimum credit score 680 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.98% APR · checked 4 times 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 - Special 2 YR Fixed	5.99%	-	6.103%
Details 80% LTV; Special 2 YR Fixed (6.250%) +/- margin; After 2 Years: 7.000% rate and 7.120% APR; manufactured housing not eligible; rate will vary based on credit score & LTV; $600.00 Closing Cost; Payment per $1000: Greater of $100 or accrued finance charge during draw period Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.10% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (1st Lien)	6.50%	-	6.655%	5 Year
Details Home Equity Loan (closed end) (+.75% for mobile homes) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.66% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (1st Lien)	6.75%	-	6.835%	10 Year
Details Home Equity Loan (closed end) (+.75% for mobile homes) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (1st Lien)	6.875%	-	6.936%	15 Year
Details Home Equity Loan (closed end) (+.75% for mobile homes) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Line of Credit (1st Lien)	7.00%	-	7.00%
Details Rate: Prime (7.00) +/- margin; 80% LTV; manufactured housing not eligible; rate will vary based on credit score & LTV Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Line of Credit - Prime +0	7.00%	-	7.00%
Details 80% LTV; Rate: Prime +0; Prime (7.000%) +/- margin; manufactured housing not eligible; rate will vary based on credit score & LTV; No closing costs; Payment per $1000: Greater of $100 or accrued finance charge during draw period Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (1st Lien)	7.125%	-	7.176%	20 Year
Details Minimum $50,000; Home Equity Loan (closed end) (+.75% for mobile homes) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.18% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (Subordinate Lien)	7.00%	-	7.242%	5 Year
Details Home Equity Loan (closed end) (+.75% for mobile homes) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Line of Credit (Subordinate Lien)	7.25%	-	7.25%
Details Rate: Prime (7.00) +/- margin; 80% LTV; manufactured housing not eligible; rate will vary based on credit score & LTV Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (Subordinate Lien)	7.125%	-	7.256%	10 Year
Details Home Equity Loan (closed end) (+.75% for mobile homes) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Home Equity Loan (Subordinate Lien)	7.25%	-	7.345%	15 Year
Details Home Equity Loan (closed end) (+.75% for mobile homes) Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.35% APR 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 - 2023 & Newer	5.55%	-	5.77%	36 months
Details As Low As; Max mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.21% → 5.77% ▲ 1.56 pts · high 5.77% / low 4.21% Oct 19, 20265.77%▲ from 4.21% Oct 14, 20264.21%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck - 2023 & Newer	5.65%	-	5.82%	48 months
Details As Low As; Max mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.26% → 5.82% ▲ 1.56 pts · high 5.82% / low 4.26% Oct 19, 20265.82%▲ from 4.26% Oct 14, 20264.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck - 2023 & Newer	5.80%	-	5.94%	60 months
Details As Low As; Max mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.38% → 5.94% ▲ 1.56 pts · high 5.94% / low 4.38% Oct 19, 20265.94%▲ from 4.38% Oct 14, 20264.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck - 2023 & Newer	6.00%	-	6.12%	72 months
Details As Low As; Max mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.60% → 6.12% ▲ 1.52 pts · high 6.12% / low 4.60% Oct 19, 20266.12%▲ from 4.60% Oct 14, 20264.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck - 2019-2022	6.15%	-	6.37%	36 months
Details As Low As; Max mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.72% → 6.37% ▲ 1.65 pts · high 6.37% / low 4.72% Oct 19, 20266.37%▲ from 4.72% Oct 14, 20264.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck - 2019-2022	6.35%	-	6.52%	48 months
Details As Low As; Max mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.82% → 6.52% ▲ 1.70 pts · high 6.52% / low 4.82% Oct 19, 20266.52%▲ from 4.82% Oct 14, 20264.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck - 2023 & Newer	6.75%	-	6.85%	84 months
Details As Low As; Max mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 5.09% → 6.85% ▲ 1.76 pts · high 6.85% / low 5.09% Oct 19, 20266.85%▲ from 5.09% Oct 14, 20265.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck - 2019-2022	6.75%	-	6.89%	60 months
Details As Low As; Max mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.99% → 6.89% ▲ 1.90 pts · high 6.89% / low 4.99% Oct 19, 20266.89%▲ from 4.99% Oct 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto, Truck - 2022 Only	7.00%	-	7.12%	72 months
Details As Low As; Max mileage 100,000 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 5.37% → 7.12% ▲ 1.75 pts · high 7.12% / low 5.37% Oct 19, 20267.12%▲ from 5.37% Oct 14, 20265.37%first recorded 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
Travel Trailers (RVs) and Boats - 2023 & Newer Loan	5.60%	5.77%	48 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.77% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	5.60%	5.77%	48 months
Details As Low As; Model Year: 2023 & Newer Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 5.42% → 5.77% ▲ 0.35 pts · high 5.77% / low 5.42% Oct 6, 20265.77%▲ from 5.42% Sep 24, 20265.42%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile - 2023 & Newer Loan	5.60%	5.82%	36 months
Details As Low As; Max mileage 25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.82% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	5.60%	5.82%	36 months
Details As Low As; Model Year: 2023 & Newer; Max mileage 25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 5.72% → 5.82% ▲ 0.10 pts · high 5.82% / low 5.72% Oct 6, 20265.82%▲ from 5.72% Sep 24, 20265.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats - 2019-2022 Loan	5.85%	6.02%	48 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.02% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	5.85%	6.02%	48 months
Details As Low As; Model Year: 2019-2022 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 5.42% → 6.02% ▲ 0.60 pts · high 6.02% / low 5.42% Oct 6, 20266.02%▲ from 5.42% Sep 24, 20265.42%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile - 2023 & Newer Loan	6.00%	6.17%	48 months
Details As Low As; Max mileage 25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.17% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	6.00%	6.17%	48 months
Details As Low As; Model Year: 2023 & Newer; Max mileage 25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.07% → 6.17% ▲ 0.10 pts · high 6.17% / low 6.07% Oct 6, 20266.17%▲ from 6.07% Sep 24, 20266.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile - 2019-2022 Loan	6.05%	6.27%	36 months
Details As Low As; Max mileage 25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.27% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	6.05%	6.27%	36 months
Details As Low As; Model Year: 2019-2022; Max mileage 25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 5.72% → 6.27% ▲ 0.55 pts · high 6.27% / low 5.72% Oct 6, 20266.27%▲ from 5.72% Sep 24, 20265.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile - 2023 & Newer Loan	6.25%	6.39%	60 months
Details As Low As; Max mileage 25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	6.25%	6.39%	60 months
Details As Low As; Model Year: 2023 & Newer; Max mileage 25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.64% → 6.39% ▼ 0.25 pts · high 6.64% / low 6.39% Oct 6, 20266.39%▼ from 6.64% Sep 24, 20266.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats - 2023 & Newer Loan	6.35%	6.49%	60 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	6.35%	6.49%	60 months
Details As Low As; Model Year: 2023 & Newer Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.34% → 6.49% ▲ 0.15 pts · high 6.49% / low 6.34% Oct 6, 20266.49%▲ from 6.34% Sep 24, 20266.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile - 2019-2022 Loan	6.45%	6.62%	48 months
Details As Low As; Max mileage 25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.62% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	6.45%	6.62%	48 months
Details As Low As; Model Year: 2019-2022; Max mileage 25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.07% → 6.62% ▲ 0.55 pts · high 6.62% / low 6.07% Oct 6, 20266.62%▲ from 6.07% Sep 24, 20266.07%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats - 2019-2022 Loan	6.80%	6.94%	60 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.94% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	6.80%	6.94%	60 months
Details As Low As; Model Year: 2019-2022 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.34% → 6.94% ▲ 0.60 pts · high 6.94% / low 6.34% Oct 6, 20266.94%▲ from 6.34% Sep 24, 20266.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile - 2022 Only Loan	7.05%	7.19%	60 months
Details As Low As; Max mileage 25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	7.05%	7.19%	60 months
Details As Low As; Model Year: 2022 Only; Max mileage 25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.64% → 7.19% ▲ 0.55 pts · high 7.19% / low 6.64% Oct 6, 20267.19%▲ from 6.64% Sep 24, 20266.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats - 2023 & Newer Loan	7.15%	7.25%	84 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	7.15%	7.25%	84 months
Details As Low As; Model Year: 2023 & Newer Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 7.05% → 7.25% ▲ 0.20 pts · high 7.25% / low 7.05% Oct 6, 20267.25%▲ from 7.05% Sep 24, 20267.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile - 2023 & Newer Loan	7.25%	7.37%	72 months
Details As Low As; Max mileage 25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.37% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	7.25%	7.37%	72 months
Details As Low As; Model Year: 2023 & Newer; Max mileage 25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.77% → 7.37% ▲ 0.60 pts · high 7.37% / low 6.77% Oct 6, 20267.37%▲ from 6.77% Sep 24, 20266.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats - 2022 Only Loan	7.55%	7.65%	84 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	7.55%	7.65%	84 months
Details As Low As; Model Year: 2022 Only Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 7.05% → 7.65% ▲ 0.60 pts · high 7.65% / low 7.05% Oct 6, 20267.65%▲ from 7.05% Sep 24, 20267.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats - 2023 & Newer Loan	7.65%	7.76%	120 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.76% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	7.65%	7.76%	120 months
Details As Low As; Model Year: 2023 & Newer Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 7.31% → 7.76% ▲ 0.45 pts · high 7.76% / low 7.31% Oct 6, 20267.76%▲ from 7.31% Sep 24, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats - 2023 & Newer Loan	7.80%	7.83%	180 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.83% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Travel Trailers (RVs) and Boats Loan	7.80%	7.83%	180 months
Details As Low As; Model Year: 2023 & Newer Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 7.38% → 7.83% ▲ 0.45 pts · high 7.83% / low 7.38% Oct 6, 20267.83%▲ from 7.38% Sep 24, 20267.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile - 2022 Only Loan	9.05%	9.17%	72 months
Details As Low As; Max mileage 25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.17% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Motorcycle, ATV & Snowmobile Loan	9.05%	9.17%	72 months
Details As Low As; Model Year: 2022 Only; Max mileage 25,000 Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 8.62% → 9.17% ▲ 0.55 pts · high 9.17% / low 8.62% Oct 6, 20269.17%▲ from 8.62% Sep 24, 20268.62%first recorded 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%
Details Intro/promo APR: 5.95%; Introductory Rate then Regular APR: As low as 9.95% Last Updated 10/30/2026 Rate History No change since Sep 24, 2026 · 9.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only)	-	11.95%
Details As Low As; Payment per $1,000: 2% of balance or $25 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 11.95% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Dirigo Business Rewards Credit Card	-	13.99%
Details As Low As; Payment per $1,000: 2% of balance or $25 Last Updated 10/30/2026 Rate History No change since Sep 24, 2026 · 13.99% APR · checked 6 times 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	10.22%	Up to 36 months
Details $500+; As Low As; Loan amount: $500+ Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 9.73% → 10.22% ▲ 0.49 pts · high 10.22% / low 9.73% Oct 6, 202610.22%▲ from 9.73% Sep 24, 20269.73%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Unsecured Loan	10.67%	Up to 48 months
Details $3,500+; As Low As; Loan amount: $3,500+ Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 10.18% → 10.67% ▲ 0.49 pts · high 10.67% / low 10.18% Oct 6, 202610.67%▲ from 10.18% Sep 24, 202610.18%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Unsecured Loan	10.88%	Up to 60 months
Details $5,000+; As Low As; Loan amount: $5,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 10.39% → 10.88% ▲ 0.49 pts · high 10.88% / low 10.39% Oct 6, 202610.88%▲ from 10.39% Sep 24, 202610.39%first recorded 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 (1 loan per member, max)	-	-	4.00%	Up to 26 months
Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Land Loan - 10 Year	7.25%	-	7.69%	10 Year
Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 7.19% → 7.69% ▲ 0.51 pts · high 7.69% / low 7.19% Oct 2, 20267.69%▲ from 7.19% Sep 24, 20267.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Land Loan - 15 Year	7.50%	-	7.818%	15 Year
Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 7.31% → 7.82% ▲ 0.50 pts · high 7.82% / low 7.31% Oct 2, 20267.82%▲ from 7.31% Sep 24, 20267.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land - 10 Year Loan	6.625%	-	6.86%	10 Year
Details Rate (A) Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.32% → 6.86% ▲ 0.54 pts · high 6.86% / low 6.32% Oct 2, 20266.86%▲ from 6.32% Sep 24, 20266.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land - 15 Year Loan	6.625%	-	6.792%	15 Year
Details Rate (A) Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.51% → 6.79% ▲ 0.28 pts · high 6.79% / low 6.51% Oct 2, 20266.79%▲ from 6.51% Sep 24, 20266.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land - 20 Year Loan	7.00%	-	7.137%	20 Year
Details Rate (A) Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.49% → 7.14% ▲ 0.65 pts · high 7.14% / low 6.49% Oct 2, 20267.14%▲ from 6.49% Sep 24, 20266.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land - 30 Year Loan	7.125%	-	7.231%	30 Year
Details 2018+ min. credit score 680; Rate (A) Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.58% → 7.23% ▲ 0.65 pts · high 7.23% / low 6.58% Oct 2, 20267.23%▲ from 6.58% Sep 24, 20266.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land Loan	7.125%	-	7.231%	30 Year
Details 2018+ min. credit score 680 Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 7.23% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land Loan	7.00%	-	7.137%	20 Year
Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 7.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land Loan	6.625%	-	6.792%	15 Year
Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 6.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Home on Land Loan	6.625%	-	6.86%	10 Year
Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 6.86% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Homes in a Park - 10 Year Loan	7.00%	-	7.143%	10 Year
Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.52% → 7.14% ▲ 0.63 pts · high 7.14% / low 6.52% Oct 2, 20267.14%▲ from 6.52% Sep 24, 20266.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Homes in a Park - 15 Year Loan	7.00%	-	7.102%	15 Year
Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.73% → 7.10% ▲ 0.38 pts · high 7.10% / low 6.73% Oct 2, 20267.10%▲ from 6.73% Sep 24, 20266.73%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Mobile Homes in a Park - 20 Year Loan	7.25%	-	7.334%	20 Year
Last Updated 10/30/2026 Rate History 1 change since Sep 24, 2026 · 6.83% → 7.33% ▲ 0.50 pts · high 7.33% / low 6.83% Oct 2, 20267.33%▲ from 6.83% Sep 24, 20266.83%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
HSA Variable	0.25%	-	0.25%
Min Balance $0 Details Dividend Rate 0.25%; Minimum balance to open/obtain APY $0.00 Last Updated 10/30/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 7 times 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

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Frequently Asked Questions About Dirigo Federal Credit Union

Does Dirigo Federal Credit Union offer CDs?

Yes. Dirigo Federal Credit Union current CD rates include its 3 Year CDs at 4.50% APY, its 15 Month CDs at 4.25% APY and its 2 Year CDs at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Dirigo Federal Credit Union NCUA insured?

Yes. Dirigo Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Dirigo Federal Credit Union?

The highest Dirigo Federal Credit Union CD rate is its Jumbo IRA CD - 3 Year at 4.60% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Dirigo Federal Credit Union offer?

Dirigo Federal Credit Union CD rates are 4.20% APY for a 12 month CD, 4.25% APY for a 15 month CD, 4.25% APY for a 2 year CD, 4.50% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Dirigo Federal Credit Union for its full lineup.

What is the highest money market rate at Dirigo Federal Credit Union?

The highest Dirigo Federal Credit Union money market rate is its Money Market Share Accounts at 3.45% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Dirigo Federal Credit Union?

The highest Dirigo Federal Credit Union checking rate is its Dirigo Honors Checking at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Dirigo Federal Credit Union?

The lowest Dirigo Federal Credit Union mortgage rate is its Portfolio Mortgage - 10 Year at 6.25%, verified by MonitorBankRates as of October 30, 2026. Dirigo Federal Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.375% for a 15 year mortgage and 6.25% for a 10 year mortgage.

What is the lowest auto loan rate at Dirigo Federal Credit Union?

The lowest Dirigo Federal Credit Union auto loan rate is its Auto, Truck - 2023 & Newer at 5.55%, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Dirigo Federal Credit Union?

The lowest Dirigo Federal Credit Union personal loan rate is its Unsecured Loan at 9.99%, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Dirigo Federal Credit Union?

The lowest Dirigo Federal Credit Union credit card APR is its Dirigo Platinum Credit Card at 9.95% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Dirigo Federal Credit Union rates compare?

Dirigo Federal Credit Union's CD rates are 48% higher than the MonitorBankRates national average, and it has an A health rating. Dirigo Federal Credit Union's top rates are its Jumbo IRA CD - 3 Year at 4.60% APY, its Money Market Share Accounts at 3.45% APY, its Dirigo Honors Checking at 3.50% APY, its Portfolio Mortgage - 10 Year at 6.25%, its Unsecured Loan at 10.22% APR and its Dirigo Platinum Credit Card at 9.95% APR, verified by MonitorBankRates on October 30, 2026.

Current Dirigo Federal Credit Union Rates

12-Month CD4.20%
24-Month CD4.25%
60-Month CD4.25%
MMA3.45%

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

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Dirigo Federal Credit Union Rates & Review November 2026

Brian McKay

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Dirigo Federal Credit Union CD Rates

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Dirigo Federal Credit Union Home Equity & HELOC

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Dirigo Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Dirigo Federal Credit Union

Does Dirigo Federal Credit Union offer CDs?

Are CDs from Dirigo Federal Credit Union NCUA insured?

What is the highest CD rate at Dirigo Federal Credit Union?

What CD terms does Dirigo Federal Credit Union offer?

What is the highest money market rate at Dirigo Federal Credit Union?

What is the highest checking rate at Dirigo Federal Credit Union?

What is the lowest mortgage rate at Dirigo Federal Credit Union?

What is the lowest auto loan rate at Dirigo Federal Credit Union?

What is the lowest personal loan rate at Dirigo Federal Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Dirigo Federal Credit Union rates compare?

Current Dirigo Federal Credit Union Rates

Compare to Other Credit Unions