Logo - New Dimensions FCU
  • Home
  • Accounts
        • Savings Accounts
          • Youth Savings
          • High – Yield Certificate Savings
          • Health Savings Accounts
          • Coverdell Education Savings
          • Club Accounts
        • Debit Card/Checking Accounts
          • Free Kasasa Cash® Checking
          • Free Kasasa Cash Back® Checking
          • Basic Checking
          • Take Charge Young Adult Debit Card/Checking Account
          • Reorder Checks
          • Overdraft Protection Options
        • IRAs
        • Share & IRA Certificates
        • Deposit Rates
        • Open an Account!
        • New Member Application Status
        • Construction Loans

        • Did you know we have Construction Loans?

          Learn More

  • Loans
        • Apply for a Loan
          • Existing Member Consumer Loan
          • New Member Consumer Loan
          • Apply for a mortgage
          • Apply for a Home Equity Loan
          • Check Loan Application Status
        • Loan Rates
        • First Time Auto Buyer
        • Make a Loan Payment
        • Make a Credit Card Payment
        • Apply for a Credit Card
        • Student Loans
        • Skip-a-Pay Program
        • Debt Protection Options
          • Loan Protection Programs
          • Guaranteed Asset Protection
          • Vehicle Service Contract Coverage
        • HELOC

        • Home Equity Line of Credit

          Did you know you can consolidate debt with your home equity?

          Learn More

  • Business
        • Business Checking Accounts
        • Business Loans
        • Business Credit Cards
        • Merchant Services
        • SEP IRAs
        • Business Solutions

        • Business solutions that make sense.

          We are always looking for ways to help our
          business members conduct business efficiently
          with their financial needs and goals in mind.

          Learn More

  • Services
        • Insurance
        • Financial Coaching
        • Bill Pay
        • SURF ATM Locator
        • Shared Branching Locations
        • Safe Deposit Boxes
        • Digital Banking
        • Mobile Banking
        • Google / Apple Pay
        • Prepaid Cards
        • Mobile Banking Solutions

        • Access your New Dimensions account anywhere.

          We offer online and mobile banking where you can
          check your balance, deposit a check or even apply for a loan!

          Learn More

  • Resources
        • Blog Sections
          • News
          • Education
          • Did you know?
        • Newsletters
        • Financial Resources
        • Calculators
        • Shared Branching
        • Disclosures
        • Fraud Prevention
        • Youth Scholarships
  • About
  • Become A Member
  • Account Sign In
  • Account Sign In
        • Account Sign In

          Username field is required.

          New Account Sign Up | Forgot Username
  • Contact
  • Home
  • About
  • Contact

Accounts

When you become a member of New Dimensions, you become part of a financial family of financial experts who look to enhance your financial wellbeing by allowing you to keep more in your wallet.

Deposit Rates

Rates effective as of June 1, 2025

As a New Dimensions Federal Credit Union member, you’ll earn better dividends and pay fewer fees than you would at other financial institutions. Let us assist in securing a profitable and healthy financial future for you and your family. From the credit union deposit rates that you’ll receive to the certificate rates in Maine, you can take advantage of improving your financial standing. Let us work for you!

Variable Bank Account Rates

Kasasa Cash, Kasasa Cash Back Accounts & Kasasa Saver

Account TypeMinimum Opening DepositMinimum Balance to Earn DividendsDividend RateAPY*
Kasasa Cash$0$02.47% up to $15,000, .25% over $15,000. 2.50% - 0.59% blended rate depending on average balance.
APY based on $100,000 balance.
Kasasa Cash BackN/AN/A0.00%0.00%
Kasasa Saver$0$01.00% up to $25,000, .25% over $25,000. 1.00% - 0.44% blended rate depending on average balance.
APY based on $100,000 balance.

General Membership Savings Accounts

Account TypeMinimum Opening DepositMinimum Balance to Earn DividendsDividend RateAPY*
Regular Savings$25$1000.05%0.05%
Club SavingsN/A$1000.05%0.05%

Youth Savings Accounts

Account TypeMinimum Opening DepositMinimum Balance to Earn DividendsDividend RateAPY*
Monty Moose
Age 0-11
$5$50.05%0.05%
Take Charge
Age 12-17
$5$250.05%0.05%

Certificate Savings Account (CSA)

BalanceRate for the Tier* APY*
$100 to $2,4990.20%0.20%
$2,500 to $9,9990.20%0.20%
$10,000 to $49,9990.60%0.60%
$50,000 or More0.80%0.80%

Jumbo Certificate Savings Account (CSA)

Minimum Balance Required to Earn DividendsRate for TierComposite APY**
$100 - $49,999.990.30%0.30%
$50,000 - $99,999.991.50%0.30%-0.90%
$100,000 - $249,999.991.60%0.90%-1.33%
$250,000 - $499,999.991.85%1.33%-1.60%
$500,000 & up2.05%1.60%-1.85%

**Composite APY for multiple tier split rate accounts

Health Savings Account

Minimum Opening DepositMinimum Balance to Earn DividendsDividend RateAPY*
N/A$1000.05%0.05%

Coverdell Education Savings Account

Minimum Opening DepositMinimum Balance to Earn DividendsDividend RateAPY*
NA$1000.05%0.05%

Individual Retirement Account Rates

TypeMinimum Balance to OpenMinimum Balance
to Earn Dividends
Dividend RateAPY*
Traditional IRA$0.00$1000.05%0.05%
Roth IRA$0.00$1000.05%0.05%

IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our IRA Trust Agreement and Disclosure.

* APY=Annual Percentage Yield


Certificate Rates

Saving for your future now can make a world of difference later!

Share Certificates

TermMinimum DepositDividend RateAPY*Dividend Penalty
6 months$1,0003.50%3.56%90 days
12 months$1,0004.00%4.07%180 days
18 months$1,0003.85%3.92%270 days
24 months$1,0003.85%3.92%360 days
36 months$1,0003.50%3.56%540 days
48 months$1,0003.30%3.35%720 days
60 months$1,0003.05%3.09%900 days

Youth Share Certificates

TypeTermMinimum DepositDividend RateAPY*Dividend Penalty
Monty Moose
(age 0-11)
12 months$5004.00%4.07%180 days
Take Charge
(age 12-17)
12 months$5004.00%4.07%180 days

IRA Share Certificates

TermMinimum DepositDividend RateAPY*Dividend Penalty
6 months$1,0003.50%3.56%90 days
12 months$1,0004.00%4.07%180 days
18 months$1,0003.85%3.92%270 days
24 months$1,0003.85%3.92%360 days
36 months$1,0003.50%3.56%540 days
48 months$1,0003.30%3.35%720 days
60 months$1,0003.05%3.09%900 days

All rates are subject to change at any time, without prior notice, at the discretion of the Board of Directors. Rates may change after the account is opened. Membership eligibility is required.

* APY=Annual Percentage Yield

Connect

94 Silver Street, Waterville, ME 04901 (207) 872-2771
316 Benton Avenue, Winslow
245 Madison Avenue, Skowhegan
Drive-Thru Hours Monday – Friday 8 am-5 pm
Lobby Hours Monday – Friday 9 am-5 pm

Routing #: 211288860    Privacy Policy    Terms of Use     Funds Availability
Copyright ©2025 New Dimensions Federal Credit Union. All rights reserved.
Web design by flyte

National Credit Union Administration, a U. S. Government Agency

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

New Dimensions FCU is committed to the accessibility and usability of our website for everyone. If you use a screen reader or other auxiliary aid and have problems using this website, please contact us at (800) 326-6190 or info@newdimensionsfcu.com.

  • Home
  • Accounts
    • Savings Accounts
      • Youth Savings
      • High – Yield Certificate Savings
      • Health Savings Accounts
      • Coverdell Education Savings
      • Club Accounts
    • Debit Card/Checking Accounts
      • Free Kasasa Cash® Checking
      • Free Kasasa Cash Back® Checking
      • Basic Checking
      • Take Charge Young Adult Debit Card/Checking Account
      • Reorder Checks
      • Overdraft Protection Options
    • IRAs
    • Share & IRA Certificates
    • Deposit Rates
    • Open an Account!
    • New Member Application Status
  • Loans
    • Apply for a Loan
      • Existing Member Consumer Loan
      • New Member Consumer Loan
      • Apply for a mortgage
      • Apply for a Home Equity Loan
      • Check Loan Application Status
    • Apply for a Credit Card
    • Loan Rates
    • First Time Auto Buyer
    • Student Loans
    • Make a Loan Payment
    • Make a Credit Card Payment
    • Debt Protection Options
      • Loan Protection Programs
      • Guaranteed Asset Protection
      • Vehicle Service Contract Coverage
    • Skip-a-Pay Program
  • Business
    • Business Checking Accounts
    • Business Loans
    • Business Credit Cards
    • Merchant Services
    • SEP IRAs
  • Services
    • Insurance
    • Financial Coaching
    • Digital Banking
    • Mobile Banking
    • Bill Pay
    • Safe Deposit Boxes
    • SURF ATM Locator
    • Shared Branching Locations
    • Google / Apple Pay
    • Prepaid Cards
  • Resources
    • Fraud Prevention
    • Financial Resources
    • Shared Branching
    • Calculators
    • Youth Scholarships
    • Blog Sections
      • News
      • Education
      • Did you know?
    • Newsletters
    • Disclosures
  • About
  • Become A Member
  • Account Sign In
  • Account Sign In
  • Contact