--- title: "Dirigo Credit Union Rates: HELOC 7.00%, CDs to 4.60%, Mortgage 6.79%" description: "Dirigo Credit Union rates today: mortgage 6.79% APR, HELOC from 7.00% APR, savings & CDs up to 4.60% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Dirigo Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maine/dirigo" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Dirigo Credit Union Rates: HELOC 7.00%, CDs to 4.60%, Mortgage 6.79% ### Mortgage rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Mobile and Tiny Homes on Land (15 Year)** other | 6.792% APR | 6.625% | — | Standard | | **Mobile and Tiny Homes on Land (10 Year)** other | 6.860% APR | 6.625% | — | Standard | | **30 Year (Portfolio minimum credit score 680)** other | — APR | 6.875% | — | Standard | | **Mobile Homes in a Park (10 Year)** other | — APR | 7.000% | — | Standard | | **Mobile Homes in a Park (15 Year)** other | — APR | 7.000% | — | Standard | | **30 Year (2019+ min. credit score 680)** other | — APR | 7.125% | — | Standard | | **Mobile and Tiny Homes on Land (20 Year)** other | 7.137% APR | 7.000% | — | Standard | | **Mobile and Tiny Homes on Land (30 Year (2019+ min. credit score 680))** other | 7.231% APR | 7.125% | — | Standard | | **Mobile Homes in a Park (20 Year)** other | — APR | 7.250% | — | Standard | Dirigo Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 18 offers | Product | Published | Rate | Term / condition | Status | | **Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV s) Boats (2019-2022)** motorcycle_any_36mo | — APR | 6.050% | 36 mo | Standard | | **Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV s) Boats (2019-2022)** motorcycle_any_48mo | — APR | 6.350% | 48 mo | Standard | | **Motorcycle, ATV & Snowmobile (2019-2022)** motorcycle_any_48mo | — APR | 6.450% | 48 mo | Standard | | **Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV s) Boats (2023 Newer)** motorcycle_any_84mo | — APR | 6.750% | 84 mo | Standard | | **2023 Newer** auto_any_84mo | — APR | 6.750% | 84 mo | Standard | | **Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV s) Boats (2019-2022)** motorcycle_any_60mo | — APR | 6.750% | 60 mo | Standard | | **Travel Trailers (RVs) and Boats (2019-2022)** rv_any_60mo | — APR | 6.800% | 60 mo | Standard | | **2022 Only** auto_any_72mo | — APR | 7.000% | 72 mo | Standard | | **Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV s) Boats (2022 Only)** motorcycle_any_72mo | — APR | 7.000% | 72 mo | Standard | | **2023 Newer** auto_any_72mo | — APR | 7.250% | 72 mo | Standard | | **Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV s) Boats (2023 Newer)** motorcycle_any_72mo | — APR | 7.250% | 72 mo | Standard | | **Travel Trailers (RVs) and Boats (2022 Only)** rv_any_84mo | — APR | 7.550% | 84 mo | Standard | | **Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV s) Boats (2022 Only)** motorcycle_any_84mo | — APR | 7.550% | 84 mo | Standard | | **2022 Only** auto_any_84mo | — APR | 7.550% | 84 mo | Standard | | **Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV s) Boats (2023 Newer)** motorcycle_any_180mo | — APR | 7.800% | 180 mo | Standard | | **2023 Newer** auto_any_180mo | — APR | 7.800% | 180 mo | Standard | | **Travel Trailers (RVs) and Boats (2023 Newer)** rv_any_180mo | — APR | 7.800% | 180 mo | Standard | | **Motorcycle, ATV & Snowmobile (2022 Only)** motorcycle_any_72mo | — APR | 9.050% | 72 mo | Standard | Dirigo Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Greater of $100 or accrued finance charge during draw period** heloc | — APR | 6.103% | — | Standard | | **80% LTV Prime (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score LTV** heloc_variable | 7.000% APR | 7.000% | — | Standard | | **20 Year (minimum $50,000)** heloc | — APR | 7.125% | — | Standard | | **80% LTV Prime (7.00) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score LTV** heloc_variable | — APR | 7.250% | — | Standard | Dirigo Credit Union heloc rates as of November 12, 2026 ### Savings & CD rates 43 offers | Product | Published | Rate | Term / condition | Status | | **Dirigo Honors Checking (Qualifications NOT met)** checking | 0.10% APY | 0.10% | — | Standard | | **Share Draft Minimum Balance** checking | 0.15% APY | 0.15% | — | Standard | | **HSA Variable** savings | 0.25% APY | 0.25% | — | Standard | | **Dirigo Honors Checking (over $25,000)** checking | 0.64% APY | 0.29% | — | Standard | | **Dirigo Honors Checking (over $25,000)** checking | — APY | 0.64% | — | Standard | | **Money Market ($1,000–$24,999.99)** money_market | — APY | 2.47% | — | Standard | | **Money Market ($25,000–$49,999.99)** money_market | — APY | 2.62% | — | Standard | | **Money Market ($50,000–$99,999.99)** money_market | — APY | 2.76% | — | Standard | | **Money Market Share Accounts ($100,000 - $249,999.99)** money_market | — APY | 3.11% | — | Standard | | **Money Market Share Accounts ($250,000 Over)** money_market | — APY | 3.40% | — | Standard | | **Dirigo Honors Checking ($0-$25,000)** checking | 3.50% APY | 3.45% | — | Standard | | **9-Month Certificate** share_certificate_9mo | 4.10% APY | 4.03% | 9 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 4.10% APY | 4.03% | 6 mo | Standard | | **9-Month IRA** ira | 4.10% APY | 4.03% | 9 mo | Standard | | **6-Month IRA** ira | 4.10% APY | 4.03% | 6 mo | Standard | | **Jumbo IRA Certificates (6 Month)** ira_cd_6mo | 4.20% APY | 4.12% | 6 mo | Standard | | **Jumbo IRA Certificates (9 Month)** ira_cd_9mo | 4.20% APY | 4.12% | 9 mo | Standard | | **Jumbo Share Certificates (6 Month)** share_certificate_6mo | 4.20% APY | 4.12% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.20% APY | 4.12% | 12 mo | Standard | | **12-Month IRA** ira | 4.20% APY | 4.12% | 12 mo | Standard | | **Jumbo Share Certificates (9 Month)** share_certificate_9mo | 4.20% APY | 4.12% | 9 mo | Standard | | **15-Month Certificate** share_certificate_15mo | 4.25% APY | 4.17% | 15 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 4.25% APY | 4.17% | 24 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 4.25% APY | 4.17% | 48 mo | Standard | | **15-Month IRA** ira | 4.25% APY | 4.17% | 15 mo | Standard | | **24-Month IRA** ira | 4.25% APY | 4.17% | 24 mo | Standard | | **48-Month IRA** ira | 4.25% APY | 4.17% | 48 mo | Standard | | **60-Month IRA** ira | 4.25% APY | 4.17% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 4.25% APY | 4.17% | 60 mo | Standard | | **Jumbo Share Certificates (1 Year)** share_certificate_12mo | 4.30% APY | 4.22% | 12 mo | Standard | | **Jumbo IRA Certificates (1 Year)** ira_cd_12mo | 4.30% APY | 4.22% | 12 mo | Standard | | **Jumbo Share Certificates (15 Month)** share_certificate_15mo | 4.35% APY | 4.27% | 15 mo | Standard | | **Jumbo Share Certificates (2 Year)** share_certificate_24mo | 4.35% APY | 4.27% | 24 mo | Standard | | **Jumbo IRA Certificates (4 Year)** ira_cd_48mo | 4.35% APY | 4.27% | 48 mo | Standard | | **Jumbo IRA Certificates (15 Month)** ira_cd_15mo | 4.35% APY | 4.27% | 15 mo | Standard | | **Jumbo IRA Certificates (2 Year)** ira_cd_24mo | 4.35% APY | 4.27% | 24 mo | Standard | | **Jumbo Share Certificates (5 Year)** share_certificate_60mo | 4.35% APY | 4.27% | 60 mo | Standard | | **Jumbo IRA Certificates (5 Year)** ira_cd_60mo | 4.35% APY | 4.27% | 60 mo | Standard | | **Jumbo Share Certificates (4 Year)** share_certificate_48mo | 4.35% APY | 4.27% | 48 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 4.50% APY | 4.41% | 36 mo | Standard | | **36-Month IRA** ira | 4.50% APY | 4.41% | 36 mo | Standard | | **Jumbo Share Certificates (3 Year)** share_certificate_36mo | 4.60% APY | 4.51% | 36 mo | Standard | | **Jumbo IRA Certificates (3 Year)** ira_cd_36mo | 4.60% APY | 4.51% | 36 mo | Standard | Dirigo Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **LLPA added to Par (A) Rate** other | — % | 1.500% | — | Standard | | **LLPA added to Par (A) Rate** other | — % | 2.000% | — | Standard | Dirigo Credit Union other rates as of November 12, 2026 As of November 12, 2026, Dirigo Credit Union offers mortgage rates from 6.792% APR. HELOC rates from 7% APR. Savings and certificate yields up to 4.60% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maine/dirigo) , verified from [Dirigo Credit Union's official website](https://www.dirigofcu.com/) Best product position **Room to improve vs. the Maine median** HELOC Gap to state best **24 bp** 24 bp from state best Vs. state median **25 bp behind median** HELOC Products ranked **1** across tracked Maine markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 7.00% | Room to improve vs. the Maine median | 24 bp from state best | 25 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Dirigo Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=dirigo&state=maine&code=ME&name=Dirigo%20Credit%20Union) Loading branch locator… ## About Dirigo Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 28.6K Assets $494.9M Founded 1956 Locations reported 5 NCUA charter 11144 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Great Falls Regional** 760 Minot Avenue · Auburn · ME · 04210-3923 About 0.5 miles away](https://rateapi.dev/credit-unions/maine/great-falls-regional) [**Maine Family** Schoolhouse · Auburn · ME · 04210 About 0.7 miles away](https://rateapi.dev/credit-unions/maine/maine-family) [**Ancorum** Ancorum Credit Union · Lewiston · ME · 04240 About 1.9 miles away](https://rateapi.dev/credit-unions/maine/ancorum) [**Community** CCU Auburn Branch · Auburn · ME · 04210-5247 About 2.0 miles away](https://rateapi.dev/credit-unions/maine/community) [**Cport** Lewiston Office · Lewiston · ME · 04240 About 2.2 miles away](https://rateapi.dev/credit-unions/maine/cport) [**Milestones** Main Office · Lewiston · ME · 04240 About 2.5 miles away](https://rateapi.dev/credit-unions/maine/milestones) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Dirigo Credit Union Membership eligibility from Dirigo Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Dirigo Credit Union's website. Check the membership page below to confirm whether you qualify. - Location androscoggin, cumberland, franklin, kennebec, knox, lincoln, oxford, sagadahoc, somerset, york — ME Verified from [Dirigo Credit Union's membership page](https://www.dirigofcu.com/about-us/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Dirigo Credit Union Geography 10 counties · Family 41 published paths to membership, last verified November 1, 2026, quoted from Dirigo Credit Union’s own published criteria. ### Geography 10 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 1, 2026 - Androscoggin County, ME - Cumberland County, ME - Franklin County, ME - Kennebec County, ME - Knox County, ME - Lincoln County, ME - Oxford County, ME - Sagadahoc County, ME - Somerset County, ME - York County, ME “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Androscoggin County, ME; Cumberland County, ME; Oxford County, ME” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 1, 2026 - Family of a member immediate family “or has an immediate family member who is a Dirigo member in good standing” > [source ↗](https://www.dirigofcu.com/about-us/become-a-member/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Dirigo Credit Union? Yes No ## Work at Dirigo Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Dirigo Credit Union ranks against Maine peers. - See which AI assistants fetched Dirigo Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maine - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=dirigo&state=maine&code=ME&name=Dirigo%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Dirigo Credit Union offer? Dirigo Credit Union currently offers mortgage, vehicle loan, and HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Dirigo Credit Union rates updated? RateAPI verifies Dirigo Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Dirigo Credit Union's rate data? Rate data is collected directly from Dirigo Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Dirigo Credit Union's mortgage rate? As of November 12, 2026, Dirigo Credit Union offers mortgage rates from 6.792% APR. ### What is Dirigo Credit Union's HELOC rate? As of November 12, 2026, Dirigo Credit Union offers home equity lines of credit from 7% APR. ### What is Dirigo Credit Union's best CD rate? As of November 12, 2026, Dirigo Credit Union offers savings and certificate (CD) yields up to 4.60% APY. ### Who can join Dirigo Credit Union? Dirigo Credit Union publishes its membership criteria on its own website. RateAPI tracks 41 published membership paths covering 10 counties for Dirigo Credit Union, each quoted from Dirigo Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Dirigo Credit Union's rates against national credit-union benchmarks. [More Maine credit unions](https://rateapi.dev/credit-unions/maine) [Maine mortgage rate leaders](https://rateapi.dev/mortgage-rates/maine) [Maine auto loan rate leaders](https://rateapi.dev/auto-loan-rates/maine) [Maine HELOC rate leaders](https://rateapi.dev/heloc-rates/maine) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.dirigofcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Dirigo Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maine credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Dirigo Credit Union curl "https://api.rateapi.dev/credit-unions/maine /dirigo " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Dirigo Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/maine/dirigo Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp