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Northeast Bank Portland, ME Rates & Review November 2026

Northeast Bank Portland, ME's Propel Relationship CDs - 1 Year CD rates are at 4.55%, Propel Relationship CDs - 2 Year CD rates are at 4.55%, CD - 1 Year CD rates are at 4.40%, CD - 2 Year CD rates are at 4.40%, Propel Relationship CDs - 6-Month CD rates are at 4.40%. Northeast Bank Portland, ME's savings rates are at 3.75%. Northeast Bank Portland, ME's top CD rate of 4.55% APY on a 12 month CD is 50% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Northeast Bank Portland, ME with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.03%. Rates last updated and verified on 11/05/2026.

Northeast Bank Portland, ME 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 Northeast Bank Portland, ME? Share your experience about Northeast Bank Portland, ME by leaving a review below, or read customer reviews before you decide to use Northeast Bank Portland, ME.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.03%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Northeast Bank
27 Pearl St
Portland, ME 04101
https://www.northeastbank.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Northeast Bank Portland, ME CD Rates

Product Rate APY Term Min. Deposit View More
Propel Relationship CDs - 1-Year CD 4.458% 4.55% 1 Year $5,000
Min Deposit $5,000
Details Propel Relationship CD; requires Propel Premier Checking and Propel Preferred Savings; includes additional 0.15% APY; must be opened in a banking center; opening deposit must be new money; APY effective as of 10/14/2026
Last Updated 11/05/2026
Rate History
1 change since Sep 18, 2026 · 4.25% → 4.55% ▲ 0.30 pts · high 4.55% / low 4.25%
3.75%4.40%5.05%Sep 18, 2026: 4.25% APYOct 20, 2026: 4.55% APYSep 18, 2026Nov 9, 2026
  • Oct 20, 20264.55%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%
Propel Relationship CDs - 2-Year CD 4.458% 4.55% 2 Year $5,000
Min Deposit $5,000
Details Propel Relationship CD; requires Propel Premier Checking and Propel Preferred Savings; includes additional 0.15% APY; must be opened in a banking center; opening deposit must be new money; APY effective as of 10/14/2026
Last Updated 11/05/2026
Rate History
1 change since Sep 18, 2026 · 3.40% → 4.55% ▲ 1.15 pts · high 4.55% / low 3.40%
2.25%3.97%5.70%Sep 18, 2026: 3.40% APYOct 20, 2026: 4.55% APYSep 18, 2026Nov 9, 2026
  • Oct 20, 20264.55%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%
CD - 1-Year CD 4.314% 4.40% 1 Year $5,000
Min Deposit $5,000
Min Balance $0
Details Opening deposit must be new money; early withdrawal penalties may apply; Consumer accounts available to Maine and New Hampshire residents only
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%
CD - 2-Year CD 4.314% 4.40% 2 Year $5,000
Min Deposit $5,000
Min Balance $0
Details Opening deposit must be new money; early withdrawal penalties may apply; Consumer accounts available to Maine and New Hampshire residents only
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%
Propel Relationship CDs - 6-Month CD 4.314% 4.40% 6-Month $5,000
Min Deposit $5,000
Details Propel Relationship CD; requires Propel Premier Checking and Propel Preferred Savings; includes additional 0.15% APY; must be opened in a banking center; opening deposit must be new money; APY effective as of 10/14/2026
Last Updated 11/05/2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 18, 2026: 4.15% APYOct 20, 2026: 4.40% APYSep 18, 2026Nov 9, 2026
  • Oct 20, 20264.40%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%
CD - 6-Month CD 4.169% 4.25% 6-Month $5,000
Min Deposit $5,000
Min Balance $0
Details Opening deposit must be new money; early withdrawal penalties may apply; Consumer accounts available to Maine and New Hampshire residents only
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%

Northeast Bank Portland, ME Savings Rates

Product Rate APY View More
Growth Savings 3.687% 3.75%
Min Deposit $2,500
Min Balance $250,000
Details Balance: $250,000.00 and over; Requires $2,500 deposit to open; 50% of opening deposit must be new money; Not available for IRAs; Available to Maine and New Hampshire residents only
Last Updated 11/05/2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYOct 14, 2026: 3.75% APYSep 18, 2026Nov 9, 2026
  • Oct 14, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%
Growth Savings 3.445% 3.50%
Min Deposit $2,500
Min Balance $0
Details Balance: $0.01 - $249,999.99; Requires $2,500 deposit to open; 50% of opening deposit must be new money; Not available for IRAs; Available to Maine and New Hampshire residents only
Last Updated 11/05/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 18, 2026: 3.00% APYOct 14, 2026: 3.50% APYSep 18, 2026Nov 9, 2026
  • Oct 14, 20263.50%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%
Propel Preferred Savings 2.716% 2.75%
Min Deposit $50
Min Balance $0
Details Balance: $0.01 and Above; Requires active Propel Premier Checking (two of: $5,000 average daily balance, $1,000+ direct deposits, or 10 debit card transactions per statement cycle); Otherwise defaults to 0.05% APY
Last Updated 11/05/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 12 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%
Health Savings Account 1.982% 2.00%
Min Balance $0
Details Balance: $0.01 and Above; Health Savings Accounts are available for qualifying individual and family high deductible health plans
Last Updated 11/05/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 12 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%
Propel Fusion Savings 0.05% 0.05%
Min Balance $0
Details Balance: $0.01 and Above
Last Updated 11/05/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 12 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%
Propel Preferred Savings - 0.05%
Min Deposit $50
Min Balance $0
Details Applies on all balances if Propel Premier Checking qualifications are not met; Balance: minimum daily balance of $0.01 to earn stated APY
Last Updated 11/05/2026
Rate History
3 changes since Sep 18, 2026 · 2.75% → 0.05% ▼ 2.70 pts · high 2.75% / low 0.05%
0.00%2.73%5.45%Sep 18, 2026: 2.75% APYOct 20, 2026: 0.05% APYOct 31, 2026: 2.75% APYNov 5, 2026: 0.05% APYSep 18, 2026Nov 9, 2026
  • Nov 5, 20260.05%▼ from 2.75%
  • Oct 31, 20262.75%▲ from 0.05%
  • Oct 20, 20260.05%▼ from 2.75%
  • Sep 18, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.03%

Financial Health History

Northeast Bank Portland, ME’s Texas Ratio rose from 3.72% in Q3 2023 to 5.03% 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. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.72% A+ Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 5.03% A+ Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$5.2B5.03%5.0A+
March 31, 2026$5.0B6.51%5.0A
December 31, 2025$4.9B6.22%5.0A
September 30, 2025$4.2B6.24%5.0A
June 30, 2025$4.3B6.55%5.0A
March 31, 2025$4.2B6.45%5.0A
December 31, 2024$4.1B6.41%5.0A
September 30, 2024$3.9B8.66%5.0A
June 30, 2024$3.1B6.66%5.0A
March 31, 2024$3.0B6.81%5.0A
December 31, 2023$3.0B8.58%5.0A
September 30, 2023$2.9B3.72%5.0A+
Source: FDIC 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 Northeast Bank Portland, ME is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Northeast Bank Portland, ME 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 Northeast Bank Portland, ME's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Northeast Bank Portland, ME
Address 27 Pearl St, Portland, ME 04101  ·  Cumberland
FDIC Certificate # 19690
Regulator FDIC
Established February 5, 1872
FDIC Insurance Date March 16, 1967
Domestic Offices 9
Total Branches 9
FDIC 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
5.03%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
2.5325%
Return on Equity (ROE)
22.5600%
Non-Performing Loans Ratio (NPL)
0.48%
Total Assets
$5,227,725,000
Total Deposits
$3,732,180,000
Equity Capital
$603,853,000
Net Income
$64,194,000
Headquarters
Portland
Total Branches and Offices
9
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Northeast Bank Portland, ME earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Northeast Bank Portland, ME

Does Northeast Bank Portland, ME offer CDs?

Yes. Northeast Bank Portland, ME current CD rates include its Propel Relationship CDs - 1 Year CD at 4.55% APY, its Propel Relationship CDs - 2 Year CD at 4.55% APY and its CD - 1 Year CD at 4.40% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Northeast Bank Portland, ME FDIC insured?

Yes. Northeast Bank Portland, ME is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Northeast Bank Portland, ME?

The highest Northeast Bank Portland, ME CD rate is its Propel Relationship CDs - 1 Year CD at 4.55% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Northeast Bank Portland, ME offer?

Northeast Bank Portland, ME CD rates are 4.40% APY for a 6 month CD, 4.55% APY for a 12 month CD and 4.55% APY for a 2 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Northeast Bank Portland, ME for its full lineup.

What is the highest savings rate at Northeast Bank Portland, ME?

The highest Northeast Bank Portland, ME savings rate is its Growth Savings at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Northeast Bank Portland, ME operate?

Northeast Bank Portland, ME currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Northeast Bank Portland, ME 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, Northeast Bank Portland, ME provides members with tools to manage their accounts and build a solid financial history.

Does Northeast Bank Portland, ME offer online and mobile banking?

Most modern institutions like Northeast Bank Portland, ME provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.northeastbank.com.

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. 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 or an existing account, 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 Northeast Bank Portland, ME rates compare?

Northeast Bank Portland, ME's top CD rate of 4.55% APY on a 12 month CD is 50% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Northeast Bank Portland, ME's top rates are its Propel Relationship CDs - 1 Year CD at 4.55% APY and its Growth Savings at 3.75% APY, verified by MonitorBankRates on November 5, 2026.

Current Northeast Bank Portland, ME Rates

  • 12-Month CD4.40%
  • 24-Month CD4.40%
  • Savings3.75%
Retrieved from our database of financial products. Rates subject to change.