Accounts

We offer many ways for our members to easily set aside money. From savings to retirement, we’re here to make your financial planning and budgeting convenient and simple.

Discover Kasasa Checking

With our free, high rate Kasasa checking and savings accounts, it pays to spend.

Club Accounts

Our club accounts are the perfect way to set aside a little money for something special.

IRAs

We offer traditional Individual Retirement Accounts, so people can plan ahead for their future. These include Coverdell Education Savings Accounts, Roth IRAs and Traditional IRAs.

Certificates

Certificates are a great way to earn dividends on money you’re saving.

Money Market Share Accounts

A Money Market Account is a higher yielding account that still allows you full access to your money. Money Markets must be opened in person at one of our branches!

Checking

Share Draft Checking Accounts

Account TypeRateAnnual
Percentage
Yield
Minimum Balance
to Open/Obtain
Annual
Percentage
Yield
Monthly Fee
if Balance falls
below Minimum
Balance
Regular Checking0.00%0.00%$0.00$0.00
Share Draft Minimum Balance0.15%0.15%$500.00$5.00
Free 4 Me
Checking*
0.00%0.00%$0.00$0.00

View Disclosures

Member Privilege

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. At Dirigo FCU, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That’s why we provide Member Privilege a special overdraft service for Dirigo FCU’s members.

Member Privilege is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit.

Your Member Privilege limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.

If you are a new member, we will advise you 30 or more days after your account is opened that you may use the overdraft privilege service. This is provided you have maintained satisfactory activity in the account, including regular deposits, consistent with our internal standards for new account types that may offer Member Privilege.

If you are an existing member interested in the Member Privilege Service, or if you would like to have this service removed from your account, please call 207-784-5435 or 1-800-281-5435.