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CD Rate Trends

Maine Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Maine CD rates range from 0.05% to 4.64% APY, verified by MonitorBankRates as of October 13, 2026. Current Maine CD rates include Androscoggin Savings BankAndroscoggin Savings Bank30 Lisbon St, Lewiston, ME 04240A+5.0 ★Texas Ratio: 3.70%Real return: +1.84%APY minus CPI (February 2026) offering 18 Month Variable Rate IRA CD at 4.64% APY, Dirigo Federal Credit UnionDirigo Federal Credit Union20 Washington St N, Auburn, ME 04210A5.0 ★Texas Ratio: 6.54%Real return: +1.80%APY minus CPI (February 2026) offering Jumbo IRA Certificate - 3 Year at 4.60% APY, Maine Family Federal Credit UnionMaine Family Federal Credit Union555 Sabattus St, Lewiston, ME 04240A+5.0 ★Texas Ratio: 1.43%Real return: +1.70%APY minus CPI (February 2026) offering 3 Year Certificate at 4.50% APY, Empeople Credit UnionEmpeople Credit Union145 Main St, Biddeford, ME 04005A+5.0 ★Texas Ratio: 5.75%Real return: +1.60%APY minus CPI (February 2026) offering 18 Month Certificate at 4.40% APY, and Oxford Federal Credit UnionOxford Federal Credit Union225 RIVER RD, MEXICO, ME 04257A+5.0 ★Texas Ratio: 1.73%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Certificate at 4.30% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Maine side-by-side. Maine CD rates currently reach as high as 4.64% APY from Androscoggin Savings Bank at 30 Lisbon St, Lewiston, ME 04240. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Maine

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Maine 3 Month CD Rates

MonitorBankRates Maine Average · 3 Month CD2.01% APYUnchanged from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Maine is 2.01% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
145 Main St, Biddeford, ME 04005
3 Month Certificate
$5,000
3.75% ▲ 1.74% above Maine avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.01%▲ 1.74% above avgNationally 2.09%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
104 Main St, Kennebunk, ME 04043
3 Month Certificate
$0
3.56% ▲ 1.55% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 1.55% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 20, 2026: 3.56% APYSep 20, 2026Oct 13, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates - 3 Month
$0
3.56% ▲ 1.55% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 1.55% above avgNationally 2.09%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
200 Capitol St, Augusta, ME 04330 6238
3 Month Roth Share Certificate
$500
3.50% ▲ 1.49% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.01%▲ 1.49% above avgNationally 2.09%
Details

Effective As of 06/01/2026; APY assumes dividends remain on deposit until maturity; View IRA/Roth IRA Certificates Rates

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
200 Capitol St, Augusta, ME 04330 6238
Share Certificate - 3-Month
$500
3.50% ▲ 1.49% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.01%▲ 1.49% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
3 Month Premium Certificate
$0
3.20% ▲ 1.19% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 1.19% above avgNationally 2.09%
Details

Balance: $100,000 - $100,000

Rate History
1 change since Sep 25, 2026 · 2.99% → 3.20% ▲ 0.21 pts · high 3.20% / low 2.99%
2.49%3.10%3.70%Sep 25, 2026: 2.99% APYOct 4, 2026: 3.20% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.20%▲ from 2.99%
  • Sep 25, 20262.99%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
3 Month Premium IRA Certificate
$0
3.20% ▲ 1.19% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 1.19% above avgNationally 2.09%
Details

Balance: $100,000 - $100,000

Rate History
No change since Oct 4, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Oct 4, 2026: 3.20% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
3 Month Business Certificate
$0
3.09% ▲ 1.08% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 1.08% above avgNationally 2.09%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 4, 2026: 3.09% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
3 Month Certificate
$0
3.09% ▲ 1.08% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 1.08% above avgNationally 2.09%
Details

Balance: $500 - $500

Rate History
1 change since Sep 25, 2026 · 2.89% → 3.09% ▲ 0.20 pts · high 3.09% / low 2.89%
2.39%2.99%3.59%Sep 25, 2026: 2.89% APYOct 4, 2026: 3.09% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.09%▲ from 2.89%
  • Sep 25, 20262.89%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
3 Month HSA Certificate
$0
3.09% ▲ 1.08% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 1.08% above avgNationally 2.09%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 4, 2026: 3.09% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
3 Month IRA Certificate
$0
3.09% ▲ 1.08% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 1.08% above avgNationally 2.09%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 4, 2026: 3.09% APYOct 4, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates - 3 Months - Elevate Account
$500
2.78% ▲ 0.77% above Maine avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.01%▲ 0.77% above avgNationally 2.09%
Details

Elevate Account rate; IRA eligible; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 13, 2026: 2.78% APYOct 13, 2026Oct 13, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
23 Industrial Park Rd, Saco, ME 04072 1804
3 Month Share Certificate
$0
2.75% ▲ 0.74% above Maine avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.01%▲ 0.74% above avgNationally 2.09%
Details

No Early Withdrawal Penalty

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates - 3 Months
$500
2.68% ▲ 0.67% above Maine avg
View
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.01%▲ 0.67% above avgNationally 2.09%
Details

IRA eligible; penalty for early withdrawal; Standard dividend rate

Rate History
No change since Sep 14, 2026 · 2.68% APY · checked 3 times
2.18%2.68%3.18%Sep 14, 2026: 2.68% APYSep 14, 2026Oct 13, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
177 Main St, Farmington, ME 04938
3 Month Certificate of Deposit - Benefit Plus
$0
2.53% ▲ 0.52% above Maine avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average2.01%▲ 0.52% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 6 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 13, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
177 Main St, Farmington, ME 04938
3 Month Certificate of Deposit
$0
2.28% ▲ 0.27% above Maine avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average2.01%▲ 0.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.28% APY · checked 6 times
1.78%2.28%2.78%Sep 18, 2026: 2.28% APYSep 18, 2026Oct 13, 2026
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
3 Month CD
$500
2.25% ▲ 0.24% above Maine avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average2.01%▲ 0.24% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 19, 2026: 2.25% APYSep 19, 2026Oct 13, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME 04257
3 Month Certificate
$500
2.25% ▲ 0.24% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 0.24% above avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APYSep 25, 2026Oct 13, 2026
First Federal S&L Bath
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
125 Front St, Bath, ME 04530
90 Day Certificate of Deposit
$1,000
2.02% ▲ 0.01% above Maine avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 0.01% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
505 SOMERSET AVE, PITTSFIELD, ME 04967
3 Month IRA Certificates
$0
2.02% ▲ 0.01% above Maine avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 0.01% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 20, 2026: 2.02% APYSep 20, 2026Oct 13, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
505 SOMERSET AVE, PITTSFIELD, ME 04967
3 Month Share Certificates
$0
2.02% ▲ 0.01% above Maine avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 0.01% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 20, 2026: 2.02% APYSep 20, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
Share Certificates - 3 month
$500
2.02% ▲ 0.01% above Maine avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▲ 0.01% above avgNationally 2.09%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Sep 18, 2026: 2.02% APYSep 18, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
55 Cushing ST, Brunswick, ME 04011
3 Mo. Share Certificate
$100
1.90% ▼ 0.11% below Maine avg
View
▼
Rate1.88%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.01%▼ 0.11% below avgNationally 2.09%
Details

Rate History
1 change since Sep 30, 2026 · 1.65% → 1.90% ▲ 0.25 pts · high 1.90% / low 1.65%
1.15%1.78%2.40%Sep 30, 2026: 1.65% APYOct 6, 2026: 1.90% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20261.90%▲ from 1.65%
  • Sep 30, 20261.65%first recorded
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
Share Certificate - 3 Months
$500
1.51% ▼ 0.50% below Maine avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.01%▼ 0.50% below avgNationally 2.09%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
163 Broadway, Farmington, ME 04938
3 Month - Relationship
$0
1.00% ▼ 1.01% below Maine avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average2.01%▼ 1.01% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
163 Broadway, Farmington, ME 04938
3 Month Certificate
$0
1.00% ▼ 1.01% below Maine avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average2.01%▼ 1.01% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
163 Broadway, Farmington, ME 04938
3 Month TD Choice CD
$250
1.00% ▼ 1.01% below Maine avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average2.01%▼ 1.01% below avgNationally 2.09%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME 04106 5408
Certificate - 3 Month
$500
1.00% ▼ 1.01% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▼ 1.01% below avgNationally 2.09%
Details

Penalties may apply for early withdrawal.

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 3 Month
$500
1.00% ▼ 1.01% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▼ 1.01% below avgNationally 2.09%
Details

Penalties may apply for early withdrawal

Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
3 Month IRA Certificates
$0
0.95% ▼ 1.06% below Maine avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.01%▼ 1.06% below avgNationally 2.09%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
No change since Oct 13, 2026 · 0.95% APY
0.45%0.95%1.45%Oct 13, 2026: 0.95% APYOct 13, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
43 High St, Caribou, ME 04736
3 Month CERTIFICATE OF DEPOSIT
$500
0.81% ▼ 1.20% below Maine avg
View
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▼ 1.20% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.81% APY · checked 6 times
0.31%0.81%1.31%Sep 14, 2026: 0.81% APYSep 14, 2026Oct 13, 2026
Katahdin Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
11 Main St, Patten, ME 04765
< 3 Month CD
$0
0.25% ▼ 1.76% below Maine avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average2.01%▼ 1.76% below avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 13, 2026
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
582 Main St, Rockland, ME 04841
RSB 3-Month Certificate
$500
0.25% ▼ 1.76% below Maine avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.01%▼ 1.76% below avgNationally 2.09%
Details

Rate History
No change since Oct 3, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 3, 2026: 0.25% APYOct 3, 2026Oct 13, 2026
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
65 Portland Rd, Kennebunk, ME 04043
3 month CD/IRA
$500
0.20% ▼ 1.81% below Maine avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average2.01%▼ 1.81% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 13, 2026
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
65 Portland Rd, Kennebunk, ME 04043
3-month CD/IRA
$0
0.20% ▼ 1.81% below Maine avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average2.01%▼ 1.81% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 13, 2026
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
66 Main St, Ellsworth, ME 04605
90-Day CD
$500
0.05% ▼ 1.96% below Maine avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average2.01%▼ 1.96% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026

Maine 6 Month CD Rates

MonitorBankRates Maine Average · 6 Month CD3.26% APY▲ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Maine is 3.26% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
6 Month Certificate
$500
4.20% ▲ 0.94% above Maine avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.94% above avgNationally 2.78%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo IRA Certificate - 6 Month
$0
4.20% ▲ 0.94% above Maine avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 6, 2026: 4.20% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo Share Certificates - 6 Month
$0
4.20% ▲ 0.94% above Maine avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 6, 2026: 4.20% APYOct 6, 2026Oct 13, 2026
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
27 Pearl St, Portland, ME 04101
6 Month Propel CD
$0
4.15% ▲ 0.89% above Maine avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.26%▲ 0.89% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
145 Main St, Biddeford, ME 04005
6 Month Certificate
$500
4.10% ▲ 0.84% above Maine avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.84% above avgNationally 2.78%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
6 Months Share Certificate
$500
4.10% ▲ 0.84% above Maine avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
IRA 6 Month
$500
4.10% ▲ 0.84% above Maine avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.84% above avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 24, 2026: 3.95% APYOct 6, 2026: 4.10% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.10%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
225 Riverside St, Portland, ME 04103 1038
IRA Certificate - 6 months
$0
4.05% ▲ 0.79% above Maine avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.79% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
27 Pearl St, Portland, ME 04101
6-Month CD
$0
4.00% ▲ 0.74% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.26%▲ 0.74% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME 04257
6 Month Certificate
$1,000
4.00% ▲ 0.74% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.74% above avgNationally 2.78%
Details

Rate History
1 change since Sep 25, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 25, 2026: 3.80% APYOct 4, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.80%
  • Sep 25, 20263.80%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
94 HIGHLAND AVE, WINTHROP, ME 04364
6 Month Share Certificate
$500
3.98% ▲ 0.72% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.72% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.98% ▲ 0.53 pts · high 3.98% / low 3.45%
2.92%3.72%4.51%Sep 18, 2026: 3.45% APYOct 6, 2026: 3.98% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20263.98%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates - 6 Month Special - Elevate Account
$500
3.92% ▲ 0.66% above Maine avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.66% above avgNationally 2.78%
Details

Elevate Account rate; IRA eligible; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
43 High St, Caribou, ME 04736
6 Month CERTIFICATE OF DEPOSIT
$500
3.90% ▲ 0.64% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.64% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
Portsmouth Naval Shipyard, Kittery, ME 03904
6 Month Share Certificate
$0
3.85% ▲ 0.59% above Maine avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.59% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 1, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates - 6 Month
$0
3.82% ▲ 0.56% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.56% above avgNationally 2.78%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates - 6 Month Special
$500
3.82% ▲ 0.56% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.56% above avgNationally 2.78%
Details

IRA eligible; penalty for early withdrawal; Standard dividend rate

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.56% APYOct 9, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Share Certificates - 6 Month Term
$0
3.76% ▲ 0.50% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.50% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.76% APY
3.26%3.76%4.26%Oct 12, 2026: 3.76% APYOct 12, 2026Oct 13, 2026
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
272 PARK AVE, PORTLAND, ME 04102 2912
6 Month Share Certificates
$2,500
3.75% ▲ 0.49% above Maine avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.49% above avgNationally 2.78%
Details

Additional deposits not allowed; dividend withdrawal allowed; certificate renewal automatic

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
23 Third Ave, Baileyville, ME 04694
6 Month Share Certificate & IRA Certificate
$500
3.75% ▲ 0.49% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.49% above avgNationally 2.78%
Details

Call to Open

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 4.00% APYSep 27, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.75%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
6 Month Premium Certificate
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Balance: $100,000 - $100,000

Rate History
1 change since Sep 25, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51%
3.01%3.61%4.21%Sep 25, 2026: 3.51% APYOct 4, 2026: 3.71% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.71%▲ from 3.51%
  • Sep 25, 20263.51%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
6 Month Premium IRA Certificate
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Balance: $100,000 - $100,000

Rate History
No change since Oct 4, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Oct 4, 2026: 3.71% APYOct 4, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
6 Month IRA Certificates
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.71% ▼ 0.11 pts · high 3.82% / low 3.71%
3.21%3.77%4.32%Sep 14, 2026: 3.82% APYSep 17, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.71%▼ from 3.82%
  • Sep 14, 20263.82%first recorded
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
6 Month Share Certificates
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 5, 2026: 3.71% APYOct 5, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
6 Month Jumbo Certificates
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates - 6 Months
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
6 Months Certificate
$500
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
6 Month IRA Certificate
$1,000
3.70% ▲ 0.44% above Maine avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.44% above avgNationally 2.78%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
6 Month Share Certificate Account
$1,000
3.70% ▲ 0.44% above Maine avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.44% above avgNationally 2.78%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME 04106 3919
6 Month Certificate Accounts
$0
3.70% ▲ 0.44% above Maine avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Maine Average3.26%▲ 0.44% above avgNationally 2.78%
Details

Balance: $2,000 - 6 Months; Type: Fixed

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME 04106 3919
6 Month IRA Certificate
$0
3.70% ▲ 0.44% above Maine avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Maine Average3.26%▲ 0.44% above avgNationally 2.78%
Details

Balance: $2,000 - 6 Months; Fixed

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
291 Pine St, Lewiston, ME 04240
6 Month Share Certificates
$500
3.66% ▲ 0.40% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.40% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Sep 25, 2026: 3.66% APYSep 25, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
6 Month Business Certificate
$0
3.61% ▲ 0.35% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.35% above avgNationally 2.78%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
6 Month Certificate
$0
3.61% ▲ 0.35% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.35% above avgNationally 2.78%
Details

Balance: $500 - $500

Rate History
1 change since Sep 25, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40%
2.90%3.51%4.11%Sep 25, 2026: 3.40% APYOct 4, 2026: 3.61% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.61%▲ from 3.40%
  • Sep 25, 20263.40%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
6 Month HSA Certificate
$0
3.61% ▲ 0.35% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.35% above avgNationally 2.78%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
6 Month IRA Certificate
$0
3.61% ▲ 0.35% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.35% above avgNationally 2.78%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
Share Certificates - 6 month
$500
3.56% ▲ 0.30% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.30% above avgNationally 2.78%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
222 College Ave, Waterville, ME 04901 6226
Share Certificate - 6 Months
$500
3.56% ▲ 0.30% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.30% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
6 Month Share Certificates
$1,000
3.56% ▲ 0.30% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.30% above avgNationally 2.78%
Details

Dividend Penalty: 90 days

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
IRA Share Certificates - 6 months
$1,000
3.56% ▲ 0.30% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.30% above avgNationally 2.78%
Details

Dividend Penalty: 90 days; Opened in person only

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
316 W River RD, Augusta, ME 04330 3992
Share, IRA & HSA Certificates of Deposit - 6 Month
$0
3.56% ▲ 0.30% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.30% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
6 Month CD
$500
3.51% ▲ 0.25% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.26%▲ 0.25% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Oct 13, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
109 Main St, Pittsfield, ME 04967
6-month CD special
$1,000
3.50% ▲ 0.24% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.26%▲ 0.24% above avgNationally 2.78%
Details

This CD special is available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD.

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
109 Main St, Pittsfield, ME 04967
6-month IRA CD special
$1,000
3.50% ▲ 0.24% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.26%▲ 0.24% above avgNationally 2.78%
Details

This IRA CD special is only available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. It is also available as a CD.

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
Certificates of Deposit (CDs) - Special Offerings 6 Month Special
$500
3.50% ▲ 0.24% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.26%▲ 0.24% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
Individual Retirement Accounts (IRAs) - Special Offerings 6 Month Special
$500
3.50% ▲ 0.24% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.26%▲ 0.24% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2 Middle Rd, Sabattus, ME 04280
IRA & Share Certificate - 6 Month
$500
3.50% ▲ 0.24% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.24% above avgNationally 2.78%
Details

Certificates renew automatically with a 7-day grace period; substantial penalty for early withdrawal of principal

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
23 Industrial Park Rd, Saco, ME 04072 1804
6 Month Share Certificate
$0
3.50% ▲ 0.24% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.26%▲ 0.24% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
6 Month Share Certificate
$500
3.45% ▲ 0.19% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.19% above avgNationally 2.78%
Details

Fixed-rate share certificate; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
Certificates - 6 Months
$500
3.45% ▲ 0.19% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.26%▲ 0.19% above avgNationally 2.78%
Details

Minimum balance to open the account and earn the APY is $500; 6 month term is not available for IRA Certificates; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Bar Harbor SLA
Institution Rating:
A-4.9 ★Texas Ratio: 15.99%
103 Main St, Bar Harbor, ME 04609
6 MONTH CD
$500
3.40% ▲ 0.14% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.26%▲ 0.14% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026

Maine 12 Month CD Rates

MonitorBankRates Maine Average · 12 Month CD3.36% APY▲ 0.01% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Maine is 3.36% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
1 Year Certificate
$500
4.30% ▲ 0.94% above Maine avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.94% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.85% → 4.30% ▲ 0.45 pts · high 4.30% / low 3.85%
3.35%4.08%4.80%Sep 25, 2026: 3.85% APYOct 4, 2026: 4.30% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.30%▲ from 3.85%
  • Sep 25, 20263.85%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
IRA 1 Year Certificate
$500
4.30% ▲ 0.94% above Maine avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 4, 2026: 4.30% APYOct 4, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
145 Main St, Biddeford, ME 04005
12 Month Certificate
$500
4.30% ▲ 0.94% above Maine avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.94% above avgNationally 2.99%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo IRA Certificate - 1 Year
$0
4.30% ▲ 0.94% above Maine avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo Share Certificates - 1 Year
$0
4.30% ▲ 0.94% above Maine avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 13, 2026
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
27 Pearl St, Portland, ME 04101
1 Year Propel CD
$0
4.25% ▲ 0.89% above Maine avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.36%▲ 0.89% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
1 Year Share Certificate
$500
4.20% ▲ 0.84% above Maine avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 6, 2026: 4.20% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
IRA 1 Year
$500
4.20% ▲ 0.84% above Maine avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.84% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 24, 2026: 3.90% APYOct 6, 2026: 4.20% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.20%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
27 Pearl St, Portland, ME 04101
1 Year CD
$0
4.10% ▲ 0.74% above Maine avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.36%▲ 0.74% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME 04257
12 Month Certificate
$1,000
4.10% ▲ 0.74% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.74% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 25, 2026: 3.80% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.10%▲ from 3.80%
  • Sep 25, 20263.80%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
94 HIGHLAND AVE, WINTHROP, ME 04364
12 Month Share Certificate
$500
4.08% ▲ 0.72% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 6, 2026: 4.08% APYOct 6, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
12 Month IRA Share Certificate
$0
4.02% ▲ 0.66% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.66% above avgNationally 2.99%
Details

Balance: $150,000.00 or more

Rate History
No change since Oct 12, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 12, 2026: 4.02% APYOct 12, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
43 High St, Caribou, ME 04736
12 Month CERTIFICATE OF DEPOSIT
$500
4.00% ▲ 0.64% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.64% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
1 Year IRA Certificate
$1,000
4.00% ▲ 0.64% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.64% above avgNationally 2.99%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 25, 2026: 3.90% APYOct 8, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
1 Year Share Certificate Account
$1,000
4.00% ▲ 0.64% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.64% above avgNationally 2.99%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 25, 2026: 3.90% APYOct 12, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
272 PARK AVE, PORTLAND, ME 04102 2912
12 Month Share Certificates
$2,500
4.00% ▲ 0.64% above Maine avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.64% above avgNationally 2.99%
Details

Additional deposits not allowed; dividend withdrawal allowed; certificate renewal automatic

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
225 Riverside St, Portland, ME 04103 1038
IRA Certificate - 12 months
$0
4.00% ▲ 0.64% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.64% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
Portsmouth Naval Shipyard, Kittery, ME 03904
12 Month Share Certificate
$0
4.00% ▲ 0.64% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.64% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
12 Month Premium Certificate
$0
3.97% ▲ 0.61% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.61% above avgNationally 2.99%
Details

Balance: $100,000 - $100,000

Rate History
2 changes since Sep 25, 2026 · 3.56% → 3.97% ▲ 0.41 pts · high 3.97% / low 3.56%
3.06%3.77%4.47%Sep 25, 2026: 3.56% APYOct 4, 2026: 3.76% APYOct 8, 2026: 3.97% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20263.97%▲ from 3.76%
  • Oct 4, 20263.76%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
12 Month Premium IRA Certificate
$0
3.97% ▲ 0.61% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.61% above avgNationally 2.99%
Details

Balance: $100,000 - $100,000

Rate History
1 change since Oct 4, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Oct 4, 2026: 3.76% APYOct 8, 2026: 3.97% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.97%▲ from 3.76%
  • Oct 4, 20263.76%first recorded
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates - 12 month
$500
3.97% ▲ 0.61% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.61% above avgNationally 2.99%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 18, 2026: 3.97% APYSep 18, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
Share Certificates - 12 month
$500
3.97% ▲ 0.61% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.61% above avgNationally 2.99%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 18, 2026: 3.97% APYSep 18, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
Certificates of Deposit (CDs) - Special Offerings 12 Month Special
$500
3.95% ▲ 0.59% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.36%▲ 0.59% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.95% ▲ 0.70 pts · high 3.95% / low 3.25%
2.55%3.60%4.65%Sep 24, 2026: 3.25% APYOct 7, 2026: 3.95% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.95%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
Individual Retirement Accounts (IRAs) - Special Offerings 12 Month Special
$500
3.95% ▲ 0.59% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.36%▲ 0.59% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.95% ▲ 0.70 pts · high 3.95% / low 3.25%
2.55%3.60%4.65%Sep 24, 2026: 3.25% APYOct 7, 2026: 3.95% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20263.95%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
12 Month IRA Share Certificate
$0
3.92% ▲ 0.56% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.56% above avgNationally 2.99%
Details

Balance: $50,000.00 to $149,999.99

Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates - 12 Month Special - Elevate Account
$500
3.92% ▲ 0.56% above Maine avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.36%▲ 0.56% above avgNationally 2.99%
Details

Elevate Account rate; IRA eligible; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
12 Month Business Certificate
$0
3.87% ▲ 0.51% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.51% above avgNationally 2.99%
Details

Balance: $500 - $500

Rate History
1 change since Oct 4, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Oct 4, 2026: 3.66% APYOct 8, 2026: 3.87% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.87%▲ from 3.66%
  • Oct 4, 20263.66%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
12 Month Certificate
$0
3.87% ▲ 0.51% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.51% above avgNationally 2.99%
Details

Balance: $500 - $500

Rate History
2 changes since Sep 25, 2026 · 3.45% → 3.87% ▲ 0.42 pts · high 3.87% / low 3.45%
2.95%3.66%4.37%Sep 25, 2026: 3.45% APYOct 4, 2026: 3.66% APYOct 8, 2026: 3.87% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20263.87%▲ from 3.66%
  • Oct 4, 20263.66%▲ from 3.45%
  • Sep 25, 20263.45%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
12 Month HSA Certificate
$0
3.87% ▲ 0.51% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.51% above avgNationally 2.99%
Details

Balance: $500 - $500

Rate History
1 change since Oct 4, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Oct 4, 2026: 3.66% APYOct 8, 2026: 3.87% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.87%▲ from 3.66%
  • Oct 4, 20263.66%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
12 Month IRA Certificate
$0
3.87% ▲ 0.51% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.51% above avgNationally 2.99%
Details

Balance: $500 - $500

Rate History
1 change since Oct 4, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Oct 4, 2026: 3.66% APYOct 8, 2026: 3.87% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.87%▲ from 3.66%
  • Oct 4, 20263.66%first recorded
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Fixed Rate IRA Share Certificates
$0
3.86% ▲ 0.50% above Maine avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.50% above avgNationally 2.99%
Details

IRA; Assumes dividends will be added to principal; Effective: October 01, 2026

Rate History
No change since Oct 4, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 4, 2026: 3.86% APYOct 4, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Fixed Rate Share Certificates
$0
3.86% ▲ 0.50% above Maine avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.50% above avgNationally 2.99%
Details

Assumes dividends will be added to principal; Effective: October 01, 2026

Rate History
No change since Oct 4, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 4, 2026: 3.86% APYOct 4, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates - 12 Month Term
$0
3.86% ▲ 0.50% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.50% above avgNationally 2.99%
Details

Rates effective October 01, 2026; no rate premiums permitted

Rate History
No change since Oct 8, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 8, 2026: 3.86% APYOct 8, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Share Certificates - 12 Month Term
$0
3.86% ▲ 0.50% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 12, 2026: 3.86% APYOct 12, 2026Oct 13, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
23 Third Ave, Baileyville, ME 04694
12 Month Share Certificate & IRA Certificate
$500
3.85% ▲ 0.49% above Maine avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.49% above avgNationally 2.99%
Details

Call to Open

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
23 Third Ave, Baileyville, ME 04694
12 Month Share Certificate Sow & Grow (Youth)
$2
3.85% ▲ 0.49% above Maine avg
View
▼
Rate3.78%
Min Deposit$2
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.49% above avgNationally 2.99%
Details

Call to Open

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates - 12 Month
$0
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME 04106 5408
Certificate - 12 Month SPECIAL
$500
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Special rate; Penalties may apply for early withdrawal.

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 12 Month SPECIAL
$500
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

SPECIAL; Penalties may apply for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
12 Month IRA Share Certificate
$0
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Balance: $1,000.00 to $49,999.99

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
222 College Ave, Waterville, ME 04901 6226
Share Certificate - 12 Months
$500
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
1 Year IRA Certificates
$0
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.82% ▲ 0.11 pts · high 3.82% / low 3.71%
3.21%3.77%4.32%Sep 14, 2026: 3.71% APYSep 17, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
12 Month Share Certificates
$1,000
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Dividend Penalty: 180 days

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
IRA Share Certificates - 12 months
$1,000
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Dividend Penalty: 180 days; Opened in person only

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
316 W River RD, Augusta, ME 04330 3992
Share, IRA & HSA Certificates of Deposit - 12 Month
$0
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
IRA Certificate - 12 Months
$500
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
Share Certificate - 12 Months
$500
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates - 12 Month Special
$500
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

IRA eligible; penalty for early withdrawal; Standard dividend rate

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.56% APYOct 9, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
12 Months Certificate
$500
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
IRA Certificate - 12 Months
$500
3.82% ▲ 0.46% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.36%▲ 0.46% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 10, 2026: 3.82% APYOct 10, 2026Oct 13, 2026

Maine 18 Month CD Rates

MonitorBankRates Maine Average · 18 Month CD3.29% APY▲ 0.04% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Maine is 3.29% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
18 Month Variable Rate IRA CD
$500
4.64% ▲ 1.35% above Maine avg
View
▼
Rate4.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.29%▲ 1.35% above avgNationally 2.87%
Details

Variable Rate

Rate History
1 change since Sep 19, 2026 · 4.23% → 4.64% ▲ 0.41 pts · high 4.64% / low 4.23%
3.73%4.44%5.14%Sep 19, 2026: 4.23% APYOct 11, 2026: 4.64% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20264.64%▲ from 4.23%
  • Sep 19, 20264.23%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
145 Main St, Biddeford, ME 04005
18 Month Certificate
$500
4.40% ▲ 1.11% above Maine avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.29%▲ 1.11% above avgNationally 2.87%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates - 18 Month Term
$0
4.13% ▲ 0.84% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.84% above avgNationally 2.87%
Details

Rates effective October 01, 2026; no rate premiums permitted

Rate History
No change since Oct 8, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 8, 2026: 4.13% APYOct 8, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Share Certificates - 18 Month Term
$0
4.13% ▲ 0.84% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.84% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 12, 2026: 4.13% APYOct 12, 2026Oct 13, 2026
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
94 HIGHLAND AVE, WINTHROP, ME 04364
18 Month Share Certificate
$500
4.13% ▲ 0.84% above Maine avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.29%▲ 0.84% above avgNationally 2.87%
Details

Rate History
1 change since Sep 22, 2026 · 3.45% → 4.13% ▲ 0.68 pts · high 4.13% / low 3.45%
2.77%3.79%4.81%Sep 22, 2026: 3.45% APYOct 6, 2026: 4.13% APYSep 22, 2026Oct 13, 2026
  • Oct 6, 20264.13%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
291 Pine St, Lewiston, ME 04240
18 Month Share Certificates
$500
4.07% ▲ 0.78% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.78% above avgNationally 2.87%
Details

Rate History
1 change since Sep 25, 2026 · 3.35% → 4.07% ▲ 0.72 pts · high 4.07% / low 3.35%
2.63%3.71%4.79%Sep 25, 2026: 3.35% APYOct 12, 2026: 4.07% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.07%▲ from 3.35%
  • Sep 25, 20263.35%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
18 Month Premium Certificate
$0
4.02% ▲ 0.73% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.73% above avgNationally 2.87%
Details

Balance: $100,000 - $100,000

Rate History
2 changes since Sep 25, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
3.06%3.79%4.52%Sep 25, 2026: 3.56% APYOct 4, 2026: 3.87% APYOct 8, 2026: 4.02% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.02%▲ from 3.87%
  • Oct 4, 20263.87%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
18 Month Premium IRA Certificate
$0
4.02% ▲ 0.73% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.73% above avgNationally 2.87%
Details

Balance: $100,000 - $100,000

Rate History
1 change since Oct 4, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
3.37%3.95%4.52%Oct 4, 2026: 3.87% APYOct 8, 2026: 4.02% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.02%▲ from 3.87%
  • Oct 4, 20263.87%first recorded
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
18 Month IRA Certificate
$1,000
4.00% ▲ 0.71% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.71% above avgNationally 2.87%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
18 Month Share Certificate Account
$1,000
4.00% ▲ 0.71% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.71% above avgNationally 2.87%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
43 High St, Caribou, ME 04736
18 Month CERTIFICATE OF DEPOSIT
$500
3.95% ▲ 0.66% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.66% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
101 Western Ave, Hampden, ME 04444
Share & IRA Certificate - 18 month
$500
3.95% ▲ 0.66% above Maine avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.66% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
18 Month Business Certificate
$0
3.92% ▲ 0.63% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.63% above avgNationally 2.87%
Details

Balance: $500 - $500

Rate History
1 change since Oct 4, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Oct 4, 2026: 3.76% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.92%▲ from 3.76%
  • Oct 4, 20263.76%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
18 Month Certificate
$0
3.92% ▲ 0.63% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.63% above avgNationally 2.87%
Details

Balance: $500 - $500

Rate History
2 changes since Sep 25, 2026 · 3.45% → 3.92% ▲ 0.47 pts · high 3.92% / low 3.45%
2.95%3.69%4.42%Sep 25, 2026: 3.45% APYOct 4, 2026: 3.76% APYOct 8, 2026: 3.92% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20263.92%▲ from 3.76%
  • Oct 4, 20263.76%▲ from 3.45%
  • Sep 25, 20263.45%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
18 Month HSA Certificate
$0
3.92% ▲ 0.63% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.63% above avgNationally 2.87%
Details

Balance: $500 - $500

Rate History
1 change since Oct 4, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Oct 4, 2026: 3.76% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.92%▲ from 3.76%
  • Oct 4, 20263.76%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
18 Month IRA Certificate
$0
3.92% ▲ 0.63% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.63% above avgNationally 2.87%
Details

Balance: $500 - $500

Rate History
1 change since Oct 4, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Oct 4, 2026: 3.76% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.92%▲ from 3.76%
  • Oct 4, 20263.76%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
467 Congress St, Portland, ME 04101
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.56% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.29%▲ 0.56% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
467 Congress St, Portland, ME 04101
18-Month M&T Select CD
$0
3.85% ▲ 0.56% above Maine avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.29%▲ 0.56% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME 04106 5408
Certificate - 18 Month SPECIAL
$500
3.82% ▲ 0.53% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.53% above avgNationally 2.87%
Details

Special rate; Penalties may apply for early withdrawal.

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 18 Month SPECIAL
$500
3.82% ▲ 0.53% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.53% above avgNationally 2.87%
Details

SPECIAL; Penalties may apply for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Oct 13, 2026
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
316 W River RD, Augusta, ME 04330 3992
Share, IRA & HSA Certificates of Deposit - 18 Month
$0
3.82% ▲ 0.53% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates - 18 month
$500
3.76% ▲ 0.47% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.47% above avgNationally 2.87%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
Share Certificates - 18 month
$500
3.76% ▲ 0.47% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.47% above avgNationally 2.87%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 13, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
252 Main St, Saco, ME 04072
18 Month CD
$0
3.75% ▲ 0.46% above Maine avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.29%▲ 0.46% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
18 Month Share Certificates
$1,000
3.71% ▲ 0.42% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.42% above avgNationally 2.87%
Details

Dividend Penalty: 270 days

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
IRA Share Certificates - 18 months
$1,000
3.71% ▲ 0.42% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.42% above avgNationally 2.87%
Details

Dividend Penalty: 270 days; Opened in person only

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
Portsmouth Naval Shipyard, Kittery, ME 03904
18 Month Share Certificate
$0
3.65% ▲ 0.36% above Maine avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.29%▲ 0.36% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
18 Month IRA Certificates
$0
3.61% ▲ 0.32% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.32% above avgNationally 2.87%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 8 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
18 Month Share Certificates
$0
3.61% ▲ 0.32% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.32% above avgNationally 2.87%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 5, 2026: 3.61% APYOct 5, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
18 Months Certificate
$500
3.51% ▲ 0.22% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.29%▲ 0.22% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
IRA Certificate - 18 Months
$500
3.51% ▲ 0.22% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.29%▲ 0.22% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 13, 2026
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
582 Main St, Rockland, ME 04841
RSB 18-Month Certificate
$500
3.50% ▲ 0.21% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.21% above avgNationally 2.87%
Details

Rate History
No change since Oct 3, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 3, 2026: 3.50% APYOct 3, 2026Oct 13, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
200 Capitol St, Augusta, ME 04330 6238
18 Month Roth Share Certificate
$500
3.50% ▲ 0.21% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.21% above avgNationally 2.87%
Details

Effective As of 06/01/2026; APY assumes dividends remain on deposit until maturity; View IRA/Roth IRA Certificates Rates

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
200 Capitol St, Augusta, ME 04330 6238
Share Certificate - 18-Month
$500
3.50% ▲ 0.21% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.21% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
2010 N Belfast ave, Augusta, ME 04330
Share Certificate - 18 Months
$1,000
3.45% ▲ 0.16% above Maine avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▲ 0.16% above avgNationally 2.87%
Details

Dividends compounded monthly; 90 days dividend forfeiture penalty on early withdrawal

Rate History
No change since Oct 12, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME 04530 2401
18 Month IRA Certificate
$0
3.45% ▲ 0.16% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.16% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.99% → 3.45% ▲ 0.46 pts · high 3.45% / low 2.99%
2.49%3.22%3.95%Sep 14, 2026: 2.99% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.45%▲ from 2.99%
  • Sep 14, 20262.99%first recorded
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME 04530 2401
18 Month Share Certificate
$0
3.45% ▲ 0.16% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.16% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.99% → 3.45% ▲ 0.46 pts · high 3.45% / low 2.99%
2.49%3.22%3.95%Sep 14, 2026: 2.99% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.45%▲ from 2.99%
  • Sep 14, 20262.99%first recorded
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
325 Lisbon St, Lisbon, ME 04250 6865
Certificates - 18 Months
$0
3.45% ▲ 0.16% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.16% above avgNationally 2.87%
Details

$1,000 minimum balance required to earn the APY; Penalty for early withdrawals

Rate History
1 change since Sep 14, 2026 · 3.19% → 3.45% ▲ 0.26 pts · high 3.45% / low 3.19%
2.69%3.32%3.95%Sep 14, 2026: 3.19% APYSep 25, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.45%▲ from 3.19%
  • Sep 14, 20263.19%first recorded
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
85 Civic Center Drive, AUGUSTA, ME 04330
18 Month Share & IRA Certificates
$2,000
3.45% ▲ 0.16% above Maine avg
View
▼
Rate3.40%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.16% above avgNationally 2.87%
Details

Penalty: 180 days

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
197 Main St, Farmington, ME 04938
18-Month Certificate of Deposit
$500
3.40% ▲ 0.11% above Maine avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.29%▲ 0.11% above avgNationally 2.87%
Details

Rate History
1 change since Sep 8, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 8, 2026: 3.25% APYOct 7, 2026: 3.40% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20263.40%▲ from 3.25%
  • Sep 8, 20263.25%first recorded
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
197 Main St, Farmington, ME 04938
18-Month Variable IRA Certificate of Deposit
$100
3.40% ▲ 0.11% above Maine avg
View
▼
Rate3.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.29%▲ 0.11% above avgNationally 2.87%
Details

Variable IRA

Rate History
1 change since Sep 8, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 8, 2026: 3.25% APYOct 7, 2026: 3.40% APYSep 8, 2026Oct 13, 2026
  • Oct 7, 20263.40%▲ from 3.25%
  • Sep 8, 20263.25%first recorded
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
55 Cushing ST, Brunswick, ME 04011
18 Mo. Rippling Waves Share or IRA Certificate
$500
3.35% ▲ 0.06% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.29%▲ 0.06% above avgNationally 2.87%
Details

allows add'l ($500 minimum) deposits

Rate History
1 change since Sep 30, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
2.60%3.23%3.85%Sep 30, 2026: 3.10% APYOct 6, 2026: 3.35% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20263.35%▲ from 3.10%
  • Sep 30, 20263.10%first recorded
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
485 WILTON RD, FARMINGTON, ME 04938
18 Month Share Certificate
$0
3.30% ▲ 0.01% above Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.01% above avgNationally 2.87%
Details

Required minimum balance: $500.00; Dividends compounded daily

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 13, 2026
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates - 18 months
$0
3.30% ▲ 0.01% above Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▲ 0.01% above avgNationally 2.87%
Details

Dividends compounded daily; Required minimum balance $500.00

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
2 Ledgeview Dr, Westbrook, ME 04092 3939
Certificates - 18 Months
$0
3.29% At Maine avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%At the averageNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 12, 2026: 3.29% APYOct 12, 2026Oct 13, 2026
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
150 State St, Augusta, ME 04330
18 Month CD
$500
3.25% ▼ 0.04% below Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Maine Average3.29%▼ 0.04% below avgNationally 2.87%
Details

Compounding: Daily

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 13, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
505 SOMERSET AVE, PITTSFIELD, ME 04967
18 Month IRA Certificates
$0
3.04% ▼ 0.25% below Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▼ 0.25% below avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 20, 2026: 3.04% APYSep 20, 2026Oct 13, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
505 SOMERSET AVE, PITTSFIELD, ME 04967
18 Month Share Certificates
$0
3.04% ▼ 0.25% below Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.29%▼ 0.25% below avgNationally 2.87%
Details

Rate History
No change since Sep 20, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 20, 2026: 3.04% APYSep 20, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
Share Certificate - 18 Months
$500
3.04% ▼ 0.25% below Maine avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.29%▼ 0.25% below avgNationally 2.87%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
23 Industrial Park Rd, Saco, ME 04072 1804
18 Month Share Certificate
$0
3.04% ▼ 0.25% below Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.29%▼ 0.25% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026

Maine 24 Month CD Rates

MonitorBankRates Maine Average · 24 Month CD3.14% APY▲ 0.03% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Maine is 3.14% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
2 Year Certificate
$500
4.40% ▲ 1.26% above Maine avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 25, 2026: 3.90% APYOct 4, 2026: 4.40% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.40%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
IRA 2 Year Certificate
$500
4.40% ▲ 1.26% above Maine avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 1.26% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 4, 2026: 4.40% APYOct 4, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo IRA Certificate - 2 Year
$0
4.35% ▲ 1.21% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo Share Certificates - 2 Year
$0
4.35% ▲ 1.21% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
44 Edison Dr, Augusta, ME 04330 6033
2-Year Share Certificate
$1,000
4.25% ▲ 1.11% above Maine avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 16, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 16, 2026: 4.00% APYOct 8, 2026: 4.25% APYSep 16, 2026Oct 13, 2026
  • Oct 8, 20264.25%▲ from 4.00%
  • Sep 16, 20264.00%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
145 Main St, Biddeford, ME 04005
24 Month Certificate
$500
4.25% ▲ 1.11% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 1.11% above avgNationally 2.88%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
2 Years Share Certificate
$500
4.25% ▲ 1.11% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
IRA 2 Year
$500
4.25% ▲ 1.11% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME 04257
24 Month Certificate
$1,000
4.15% ▲ 1.01% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 1.01% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 25, 2026: 3.85% APYOct 4, 2026: 4.15% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.15%▲ from 3.85%
  • Sep 25, 20263.85%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
94 HIGHLAND AVE, WINTHROP, ME 04364
24 Month Share Certificate
$500
4.13% ▲ 0.99% above Maine avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 0.99% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 3.45% → 4.13% ▲ 0.68 pts · high 4.13% / low 3.45%
2.77%3.79%4.81%Sep 22, 2026: 3.45% APYOct 6, 2026: 4.13% APYSep 22, 2026Oct 13, 2026
  • Oct 6, 20264.13%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
24 Month IRA Share Certificate
$0
4.07% ▲ 0.93% above Maine avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.93% above avgNationally 2.88%
Details

Balance: $150,000.00 or more

Rate History
No change since Oct 12, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
24 Month IRA Share Certificate
$0
3.97% ▲ 0.83% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.83% above avgNationally 2.88%
Details

Balance: $50,000.00 to $149,999.99

Rate History
No change since Oct 12, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 12, 2026: 3.97% APYOct 12, 2026Oct 13, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
Portsmouth Naval Shipyard, Kittery, ME 03904
24 Month Variable Rate Certificates
$0
3.95% ▲ 0.81% above Maine avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 0.81% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.69% → 3.95% ▲ 0.26 pts · high 3.95% / low 3.69%
3.19%3.82%4.45%Sep 14, 2026: 3.69% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
24 Month Premium Certificate
$0
3.92% ▲ 0.78% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.78% above avgNationally 2.88%
Details

Balance: $100,000 - $100,000

Rate History
1 change since Sep 25, 2026 · 3.61% → 3.92% ▲ 0.31 pts · high 3.92% / low 3.61%
3.11%3.76%4.42%Sep 25, 2026: 3.61% APYOct 4, 2026: 3.92% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.92%▲ from 3.61%
  • Sep 25, 20263.61%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
24 Month Premium IRA Certificate
$0
3.92% ▲ 0.78% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.78% above avgNationally 2.88%
Details

Balance: $100,000 - $100,000

Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 4, 2026: 3.92% APYOct 4, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates - 24 Month Term
$0
3.91% ▲ 0.77% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.77% above avgNationally 2.88%
Details

Rates effective October 01, 2026; no rate premiums permitted

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Share Certificates - 24 Month Term
$0
3.91% ▲ 0.77% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.77% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
43 High St, Caribou, ME 04736
24 Month CERTIFICATE OF DEPOSIT
$500
3.90% ▲ 0.76% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.76% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates - 24 Month
$0
3.87% ▲ 0.73% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.73% above avgNationally 2.88%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
24 Month IRA Share Certificate
$0
3.87% ▲ 0.73% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.73% above avgNationally 2.88%
Details

Balance: $1,000.00 to $49,999.99

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
316 W River RD, Augusta, ME 04330 3992
Share, IRA & HSA Certificates of Deposit - 2 Year
$0
3.87% ▲ 0.73% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
272 PARK AVE, PORTLAND, ME 04102 2912
24 Month Share Certificates
$2,500
3.85% ▲ 0.71% above Maine avg
View
▼
Rate3.78%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.71% above avgNationally 2.88%
Details

Additional deposits not allowed; dividend withdrawal allowed; certificate renewal automatic

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
24 Month Business Certificate
$0
3.82% ▲ 0.68% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
24 Month Certificate
$0
3.82% ▲ 0.68% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Balance: $500 - $500

Rate History
1 change since Sep 25, 2026 · 3.51% → 3.82% ▲ 0.31 pts · high 3.82% / low 3.51%
3.01%3.67%4.32%Sep 25, 2026: 3.51% APYOct 4, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.82%▲ from 3.51%
  • Sep 25, 20263.51%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
24 Month HSA Certificate
$0
3.82% ▲ 0.68% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
24 Month IRA Certificate
$0
3.82% ▲ 0.68% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME 04106 5408
Certificate - 24 Month SPECIAL
$500
3.82% ▲ 0.68% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.68% above avgNationally 2.88%
Details

Special rate; Penalties may apply for early withdrawal.

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 24 Month SPECIAL
$500
3.82% ▲ 0.68% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.68% above avgNationally 2.88%
Details

SPECIAL; Penalties may apply for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
225 Riverside St, Portland, ME 04103 1038
IRA Certificate - 24 months
$0
3.80% ▲ 0.66% above Maine avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 0.66% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates - 24 month
$500
3.76% ▲ 0.62% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.62% above avgNationally 2.88%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
Share Certificates - 24 month
$500
3.76% ▲ 0.62% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.62% above avgNationally 2.88%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 13, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
101 Western Ave, Hampden, ME 04444
Share & IRA Certificate - 2 year
$500
3.75% ▲ 0.61% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
Portsmouth Naval Shipyard, Kittery, ME 03904
24 Month Share Certificate
$0
3.75% ▲ 0.61% above Maine avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
24 Month Share Certificates
$1,000
3.71% ▲ 0.57% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.57% above avgNationally 2.88%
Details

Dividend Penalty: 360 days

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
IRA Share Certificates - 24 months
$1,000
3.71% ▲ 0.57% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.57% above avgNationally 2.88%
Details

Dividend Penalty: 360 days; Opened in person only

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
2 Year Jumbo Certificates
$0
3.71% ▲ 0.57% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.57% above avgNationally 2.88%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates - 2 Years
$0
3.71% ▲ 0.57% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.57% above avgNationally 2.88%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
222 College Ave, Waterville, ME 04901 6226
Share Certificate - 24 Months
$500
3.67% ▲ 0.53% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 12, 2026: 3.67% APYOct 12, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
24 Month IRA Certificate
$1,000
3.65% ▲ 0.51% above Maine avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.51% above avgNationally 2.88%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
24 Month Share Certificate Account
$1,000
3.65% ▲ 0.51% above Maine avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.51% above avgNationally 2.88%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME 04530 2401
2 Year IRA Certificate
$0
3.58% ▲ 0.44% above Maine avg
View
▼
Rate3.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Oct 9, 2026: 3.58% APYOct 9, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME 04530 2401
2 Year Share Certificate
$0
3.58% ▲ 0.44% above Maine avg
View
▼
Rate3.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.44% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Oct 9, 2026: 3.58% APYOct 9, 2026Oct 13, 2026
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
2010 N Belfast ave, Augusta, ME 04330
Share Certificate - 24 Months
$1,000
3.56% ▲ 0.42% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.14%▲ 0.42% above avgNationally 2.88%
Details

Dividends compounded monthly; 90 days dividend forfeiture penalty on early withdrawal

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
2 Year IRA Certificates
$0
3.56% ▲ 0.42% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.42% above avgNationally 2.88%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
2 Year Share Certificates
$0
3.56% ▲ 0.42% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.42% above avgNationally 2.88%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
IRA Certificate - 3, 6, 9, 15,18, 24 Months
$500
3.56% ▲ 0.42% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.42% above avgNationally 2.88%
Details

Term: 3, 6, 9, 15,18, 24 Months; Early withdrawal penalty may be imposed

Rate History
No change since Oct 13, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
24 Months Certificate
$500
3.51% ▲ 0.37% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
IRA Certificate - 24 Months
$500
3.51% ▲ 0.37% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.14%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 13, 2026
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
85 Civic Center Drive, AUGUSTA, ME 04330
24 Month Share & IRA Certificates
$2,000
3.50% ▲ 0.36% above Maine avg
View
▼
Rate3.45%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Penalty: 180 days

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2 Middle Rd, Sabattus, ME 04280
IRA & Share Certificate - 2 Year
$500
3.50% ▲ 0.36% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.14%▲ 0.36% above avgNationally 2.88%
Details

Certificates renew automatically with a 7-day grace period; substantial penalty for early withdrawal of principal

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026

Maine 36 Month CD Rates

MonitorBankRates Maine Average · 36 Month CD3.04% APYUnchanged from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Maine is 3.04% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo IRA Certificate - 3 Year
$0
4.60% ▲ 1.56% above Maine avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.04%▲ 1.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 6, 2026: 4.60% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo Share Certificates - 3 Year
$0
4.60% ▲ 1.56% above Maine avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.04%▲ 1.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 6, 2026: 4.60% APYOct 6, 2026Oct 13, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
3 Year Certificate
$500
4.50% ▲ 1.46% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 1.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.95% → 4.50% ▲ 0.55 pts · high 4.50% / low 3.95%
3.40%4.23%5.05%Sep 25, 2026: 3.95% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 3.95%
  • Sep 25, 20263.95%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
IRA 3 Year Certificate
$500
4.50% ▲ 1.46% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 1.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
3 Years Share Certificate
$500
4.50% ▲ 1.46% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.04%▲ 1.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
IRA 3 Year
$500
4.50% ▲ 1.46% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.04%▲ 1.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.50% ▲ 0.71 pts · high 4.50% / low 3.79%
3.08%4.15%5.21%Sep 24, 2026: 3.79% APYOct 6, 2026: 4.50% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.50%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME 04257
36 Month Certificate
$1,000
4.20% ▲ 1.16% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 25, 2026: 3.90% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
94 HIGHLAND AVE, WINTHROP, ME 04364
36 Month Share Certificate
$500
4.19% ▲ 1.15% above Maine avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.04%▲ 1.15% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 3.71% → 4.19% ▲ 0.48 pts · high 4.19% / low 3.71%
3.21%3.95%4.69%Sep 22, 2026: 3.71% APYOct 6, 2026: 4.19% APYSep 22, 2026Oct 13, 2026
  • Oct 6, 20264.19%▲ from 3.71%
  • Sep 22, 20263.71%first recorded
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
36 Month IRA Share Certificate
$0
4.13% ▲ 1.09% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 1.09% above avgNationally 2.81%
Details

Balance: $150,000.00 or more

Rate History
No change since Oct 12, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 12, 2026: 4.13% APYOct 12, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
36 Month IRA Share Certificate
$0
4.02% ▲ 0.98% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.98% above avgNationally 2.81%
Details

Balance: $50,000.00 to $149,999.99

Rate History
No change since Oct 12, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 12, 2026: 4.02% APYOct 12, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
145 Main St, Biddeford, ME 04005
36 Month Certificate
$500
4.00% ▲ 0.96% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.04%▲ 0.96% above avgNationally 2.81%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
36 Month Premium Certificate
$0
3.92% ▲ 0.88% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.88% above avgNationally 2.81%
Details

Balance: $100,000 - $100,000

Rate History
1 change since Sep 25, 2026 · 3.67% → 3.92% ▲ 0.25 pts · high 3.92% / low 3.67%
3.17%3.80%4.42%Sep 25, 2026: 3.67% APYOct 4, 2026: 3.92% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.92%▲ from 3.67%
  • Sep 25, 20263.67%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
36 Month Premium IRA Certificate
$0
3.92% ▲ 0.88% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.88% above avgNationally 2.81%
Details

Balance: $100,000 - $100,000

Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 4, 2026: 3.92% APYOct 4, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
36 Month IRA Share Certificate
$0
3.92% ▲ 0.88% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.88% above avgNationally 2.81%
Details

Balance: $1,000.00 to $49,999.99

Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates - 36 Month Term
$0
3.91% ▲ 0.87% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.87% above avgNationally 2.81%
Details

Rates effective October 01, 2026; no rate premiums permitted

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Share Certificates - 36 Month Term
$0
3.91% ▲ 0.87% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 13, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates - 36 Month
$0
3.87% ▲ 0.83% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.83% above avgNationally 2.81%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
36 Month Business Certificate
$0
3.82% ▲ 0.78% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.78% above avgNationally 2.81%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
36 Month Certificate
$0
3.82% ▲ 0.78% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.78% above avgNationally 2.81%
Details

Balance: $500 - $500

Rate History
1 change since Sep 25, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 25, 2026: 3.56% APYOct 4, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.82%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
36 Month HSA Certificate
$0
3.82% ▲ 0.78% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.78% above avgNationally 2.81%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
36 Month IRA Certificate
$0
3.82% ▲ 0.78% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.78% above avgNationally 2.81%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates - 36 month
$500
3.71% ▲ 0.67% above Maine avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.67% above avgNationally 2.81%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
Share Certificates - 36 month
$500
3.71% ▲ 0.67% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.67% above avgNationally 2.81%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic; Dividend rate printed as 3.65/% on source

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
3 Year Jumbo Certificates
$0
3.71% ▲ 0.67% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.67% above avgNationally 2.81%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates - 3 Years
$0
3.71% ▲ 0.67% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.67% above avgNationally 2.81%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME 04530 2401
3 Year IRA Certificate
$0
3.68% ▲ 0.64% above Maine avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.64% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 9, 2026: 3.68% APYOct 9, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME 04530 2401
3 Year Share Certificate
$0
3.68% ▲ 0.64% above Maine avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.64% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 9, 2026: 3.68% APYOct 9, 2026Oct 13, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
222 College Ave, Waterville, ME 04901 6226
Share Certificate - 36 Months
$500
3.56% ▲ 0.52% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
36 Month Share Certificates
$1,000
3.56% ▲ 0.52% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.52% above avgNationally 2.81%
Details

Dividend Penalty: 540 days

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
IRA Share Certificates - 36 months
$1,000
3.56% ▲ 0.52% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.52% above avgNationally 2.81%
Details

Dividend Penalty: 540 days; Opened in person only

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
325 Lisbon St, Lisbon, ME 04250 6865
Certificates - 36 Months
$0
3.56% ▲ 0.52% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.52% above avgNationally 2.81%
Details

$1,000 minimum balance required to earn the APY; Penalty for early withdrawals

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
2.70%3.38%4.06%Sep 14, 2026: 3.20% APYSep 25, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
316 W River RD, Augusta, ME 04330 3992
Share, IRA & HSA Certificates of Deposit - 3 Year
$0
3.56% ▲ 0.52% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
IRA Certificate - 36 Months
$500
3.56% ▲ 0.52% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.52% above avgNationally 2.81%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
Share Certificate - 36 Months
$500
3.56% ▲ 0.52% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.52% above avgNationally 2.81%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
85 Civic Center Drive, AUGUSTA, ME 04330
36 Month Share & IRA Certificates
$2,000
3.56% ▲ 0.52% above Maine avg
View
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.52% above avgNationally 2.81%
Details

Penalty: 365 days

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
43 High St, Caribou, ME 04736
36 Month CERTIFICATE OF DEPOSIT
$500
3.55% ▲ 0.51% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
3 Year IRA Certificate
$1,000
3.55% ▲ 0.51% above Maine avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.51% above avgNationally 2.81%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
3 Year Share Certificate Account
$1,000
3.55% ▲ 0.51% above Maine avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.51% above avgNationally 2.81%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
3 Year IRA Certificates
$0
3.51% ▲ 0.47% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.47% above avgNationally 2.81%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
3 Year Share Certificates
$0
3.51% ▲ 0.47% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.47% above avgNationally 2.81%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 5, 2026: 3.51% APYOct 5, 2026Oct 13, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
101 Western Ave, Hampden, ME 04444
Share & IRA Certificate - 3 year
$500
3.50% ▲ 0.46% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
23 Third Ave, Baileyville, ME 04694
36 Month Share Certificate & IRA Certificate
$500
3.50% ▲ 0.46% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.04%▲ 0.46% above avgNationally 2.81%
Details

Call to Open

Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
3 Year Share Certificate
$500
3.45% ▲ 0.41% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.41% above avgNationally 2.81%
Details

Fixed-rate share certificate; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
Certificates - 3 Years
$500
3.45% ▲ 0.41% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.41% above avgNationally 2.81%
Details

Minimum balance to open the account and earn the APY is $500; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
34 Bates St, Lewiston, ME 04240 7606
IRA & Share Certificates of Deposit - 3 Year
$0
3.40% ▲ 0.36% above Maine avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.36% above avgNationally 2.81%
Details

Minimum deposit to earn dividends: $1000.00; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
2 Middle Rd, Sabattus, ME 04280
IRA & Share Certificate - 3 Year
$500
3.35% ▲ 0.31% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.04%▲ 0.31% above avgNationally 2.81%
Details

Certificates renew automatically with a 7-day grace period; substantial penalty for early withdrawal of principal

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
225 Riverside St, Portland, ME 04103 1038
IRA Certificate - 36 months
$0
3.35% ▲ 0.31% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.04%▲ 0.31% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
36 Months Certificate
$500
3.35% ▲ 0.31% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.04%▲ 0.31% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
IRA Certificate - 36 Months
$500
3.35% ▲ 0.31% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.04%▲ 0.31% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 13, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
505 SOMERSET AVE, PITTSFIELD, ME 04967
36 Month IRA Certificates
$0
3.30% ▲ 0.26% above Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.04%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 20, 2026: 3.30% APYSep 20, 2026Oct 13, 2026

Maine 48 Month CD Rates

MonitorBankRates Maine Average · 48 Month CD3.10% APY▲ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Maine is 3.10% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
4 Year Certificate
$500
4.50% ▲ 1.40% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 1.40% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
IRA 4 Year Certificate
$500
4.50% ▲ 1.40% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 1.40% above avgNationally 2.80%
Details

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo IRA Certificate - 4 Year
$0
4.35% ▲ 1.25% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 1.25% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo Share Certificates - 4 Year
$0
4.35% ▲ 1.25% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 1.25% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME 04257
48 Month Certificate
$1,000
4.25% ▲ 1.15% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 1.15% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 25, 2026: 3.95% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 3.95%
  • Sep 25, 20263.95%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
4 Years Share Certificate
$500
4.25% ▲ 1.15% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
IRA 4 Year
$500
4.25% ▲ 1.15% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 1.15% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79%
3.29%4.02%4.75%Sep 24, 2026: 3.79% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.25%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
94 HIGHLAND AVE, WINTHROP, ME 04364
48 Month Share Certificate
$500
4.24% ▲ 1.14% above Maine avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 22, 2026 · 3.71% → 4.24% ▲ 0.53 pts · high 4.24% / low 3.71%
3.18%3.98%4.77%Sep 22, 2026: 3.71% APYOct 6, 2026: 4.24% APYSep 22, 2026Oct 13, 2026
  • Oct 6, 20264.24%▲ from 3.71%
  • Sep 22, 20263.71%first recorded
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
48 Month IRA Share Certificate
$0
4.18% ▲ 1.08% above Maine avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 1.08% above avgNationally 2.80%
Details

Balance: $150,000.00 or more

Rate History
No change since Oct 12, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 12, 2026: 4.18% APYOct 12, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
48 Month IRA Share Certificate
$0
4.07% ▲ 0.97% above Maine avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.97% above avgNationally 2.80%
Details

Balance: $50,000.00 to $149,999.99

Rate History
No change since Oct 12, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
IRA Certificate - 48 Months
$500
4.07% ▲ 0.97% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.97% above avgNationally 2.80%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
48 Month Premium Certificate
$0
4.02% ▲ 0.92% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.92% above avgNationally 2.80%
Details

Balance: $100,000 - $100,000

Rate History
2 changes since Sep 25, 2026 · 3.72% → 4.02% ▲ 0.30 pts · high 4.02% / low 3.72%
3.22%3.87%4.52%Sep 25, 2026: 3.72% APYOct 4, 2026: 3.97% APYOct 8, 2026: 4.02% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.02%▲ from 3.97%
  • Oct 4, 20263.97%▲ from 3.72%
  • Sep 25, 20263.72%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
48 Month Premium IRA Certificate
$0
4.02% ▲ 0.92% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.92% above avgNationally 2.80%
Details

Balance: $100,000 - $100,000

Rate History
1 change since Oct 4, 2026 · 3.97% → 4.02% ▲ 0.05 pts · high 4.02% / low 3.97%
3.47%4.00%4.52%Oct 4, 2026: 3.97% APYOct 8, 2026: 4.02% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.02%▲ from 3.97%
  • Oct 4, 20263.97%first recorded
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates - 48 Month Term
$0
3.98% ▲ 0.88% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.88% above avgNationally 2.80%
Details

Rates effective October 01, 2026; no rate premiums permitted

Rate History
No change since Oct 8, 2026 · 3.98% APY · checked 2 times
3.48%3.98%4.48%Oct 8, 2026: 3.98% APYOct 8, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Share Certificates - 48 Month Term
$0
3.98% ▲ 0.88% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.88% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
48 Month IRA Share Certificate
$0
3.97% ▲ 0.87% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.87% above avgNationally 2.80%
Details

Balance: $1,000.00 to $49,999.99

Rate History
No change since Oct 12, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 12, 2026: 3.97% APYOct 12, 2026Oct 13, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
101 Western Ave, Hampden, ME 04444
Share & IRA Certificate - 4 year
$500
3.95% ▲ 0.85% above Maine avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
48 Month Business Certificate
$0
3.92% ▲ 0.82% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.82% above avgNationally 2.80%
Details

Balance: $500 - $500

Rate History
1 change since Oct 4, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Oct 4, 2026: 3.87% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.92%▲ from 3.87%
  • Oct 4, 20263.87%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
48 Month Certificate
$0
3.92% ▲ 0.82% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.82% above avgNationally 2.80%
Details

Balance: $500 - $500

Rate History
2 changes since Sep 25, 2026 · 3.61% → 3.92% ▲ 0.31 pts · high 3.92% / low 3.61%
3.11%3.76%4.42%Sep 25, 2026: 3.61% APYOct 4, 2026: 3.87% APYOct 8, 2026: 3.92% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20263.92%▲ from 3.87%
  • Oct 4, 20263.87%▲ from 3.61%
  • Sep 25, 20263.61%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
48 Month HSA Certificate
$0
3.92% ▲ 0.82% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.82% above avgNationally 2.80%
Details

Balance: $500 - $500

Rate History
1 change since Oct 4, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Oct 4, 2026: 3.87% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.92%▲ from 3.87%
  • Oct 4, 20263.87%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
48 Month IRA Certificate
$0
3.92% ▲ 0.82% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.82% above avgNationally 2.80%
Details

Balance: $500 - $500

Rate History
1 change since Oct 4, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Oct 4, 2026: 3.87% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20263.92%▲ from 3.87%
  • Oct 4, 20263.87%first recorded
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates - 48 Month
$0
3.87% ▲ 0.77% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.77% above avgNationally 2.80%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
Share Certificate - 48 Months
$500
3.82% ▲ 0.72% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.72% above avgNationally 2.80%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
4 Year Jumbo Certificates
$0
3.82% ▲ 0.72% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.72% above avgNationally 2.80%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates - 4 Years
$0
3.82% ▲ 0.72% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.72% above avgNationally 2.80%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
145 Main St, Biddeford, ME 04005
48 Month Certificate
$500
3.75% ▲ 0.65% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 0.65% above avgNationally 2.80%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME 04530 2401
4 Year IRA Certificate
$0
3.72% ▲ 0.62% above Maine avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.62% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Oct 9, 2026: 3.72% APYOct 9, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME 04530 2401
4 Year Share Certificate
$0
3.72% ▲ 0.62% above Maine avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.62% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Oct 9, 2026: 3.72% APYOct 9, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates - 48 month
$500
3.66% ▲ 0.56% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.56% above avgNationally 2.80%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
Share Certificates - 48 month
$500
3.66% ▲ 0.56% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.56% above avgNationally 2.80%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
85 Civic Center Drive, AUGUSTA, ME 04330
48 Month Share & IRA Certificates
$2,000
3.61% ▲ 0.51% above Maine avg
View
▼
Rate3.55%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.51% above avgNationally 2.80%
Details

Penalty: 365 days

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
316 W River RD, Augusta, ME 04330 3992
Share, IRA & HSA Certificates of Deposit - 4 Year
$0
3.56% ▲ 0.46% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
4 Year Share Certificate
$500
3.56% ▲ 0.46% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.46% above avgNationally 2.80%
Details

Fixed-rate share certificate; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
Certificates - 4 Years
$500
3.56% ▲ 0.46% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.46% above avgNationally 2.80%
Details

Minimum balance to open the account and earn the APY is $500; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
43 High St, Caribou, ME 04736
48 Month CERTIFICATE OF DEPOSIT
$500
3.50% ▲ 0.40% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.40% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
4 Year IRA Certificate
$1,000
3.50% ▲ 0.40% above Maine avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.40% above avgNationally 2.80%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
4 Year Share Certificate Account
$1,000
3.50% ▲ 0.40% above Maine avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.40% above avgNationally 2.80%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
23 Third Ave, Baileyville, ME 04694
48 Month Share Certificate & IRA Certificate
$500
3.50% ▲ 0.40% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 0.40% above avgNationally 2.80%
Details

Call to Open

Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
4 Year IRA Certificates
$0
3.45% ▲ 0.35% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.35% above avgNationally 2.80%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
4 Year Share Certificates
$0
3.45% ▲ 0.35% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.35% above avgNationally 2.80%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 5, 2026: 3.45% APYOct 5, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
225 Riverside St, Portland, ME 04103 1038
IRA Certificate - 48 months
$0
3.40% ▲ 0.30% above Maine avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
48 Months Certificate
$500
3.40% ▲ 0.30% above Maine avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
IRA Certificate - 48 Months
$500
3.40% ▲ 0.30% above Maine avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 10, 2026: 3.40% APYOct 10, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
48 Month Share Certificates
$1,000
3.35% ▲ 0.25% above Maine avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.25% above avgNationally 2.80%
Details

Dividend Penalty: 720 days

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
61 Grove St, Waterville, ME 04901
IRA Share Certificates - 48 months
$1,000
3.35% ▲ 0.25% above Maine avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.10%▲ 0.25% above avgNationally 2.80%
Details

Dividend Penalty: 720 days; Opened in person only

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME 04106 3919
4 Year IRA Certificate
$0
3.35% ▲ 0.25% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Maine Average3.10%▲ 0.25% above avgNationally 2.80%
Details

Balance: $2,000 - 4 Years; Fixed

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
23 Industrial Park Rd, Saco, ME 04072 1804
48 Month Share Certificate
$0
3.35% ▲ 0.25% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average3.10%▲ 0.25% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
505 SOMERSET AVE, PITTSFIELD, ME 04967
48 Month IRA Certificates
$0
3.30% ▲ 0.20% above Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.20% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 20, 2026: 3.30% APYSep 20, 2026Oct 13, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
505 SOMERSET AVE, PITTSFIELD, ME 04967
48 Month Share Certificates
$0
3.30% ▲ 0.20% above Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.20% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 20, 2026: 3.30% APYSep 20, 2026Oct 13, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
222 College Ave, Waterville, ME 04901 6226
Share Certificate - 48 Months
$500
3.30% ▲ 0.20% above Maine avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.10%▲ 0.20% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 12, 2026: 3.30% APYOct 12, 2026Oct 13, 2026

Maine 60 Month CD Rates

MonitorBankRates Maine Average · 60 Month CD2.95% APY▼ 0.02% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Maine is 2.95% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
5 Year Certificate
$500
4.50% ▲ 1.55% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.55% above avgNationally 2.90%
Details

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
555 Sabattus St, Lewiston, ME 04240
IRA 5 Year Certificate
$500
4.50% ▲ 1.55% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.55% above avgNationally 2.90%
Details

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo IRA Certificate - 5 Year
$0
4.35% ▲ 1.40% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 1.40% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
Jumbo Share Certificates - 5 Year
$0
4.35% ▲ 1.40% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 1.40% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 13, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
225 RIVER RD, MEXICO, ME 04257
60 Month Certificate
$1,000
4.30% ▲ 1.35% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.35% above avgNationally 2.90%
Details

Rate History
1 change since Sep 25, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 25, 2026: 3.95% APYOct 4, 2026: 4.30% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.30%▲ from 3.95%
  • Sep 25, 20263.95%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
94 HIGHLAND AVE, WINTHROP, ME 04364
60 Month Share Certificate
$500
4.29% ▲ 1.34% above Maine avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 1.34% above avgNationally 2.90%
Details

Rate History
1 change since Sep 22, 2026 · 3.71% → 4.29% ▲ 0.58 pts · high 4.29% / low 3.71%
3.13%4.00%4.87%Sep 22, 2026: 3.71% APYOct 6, 2026: 4.29% APYSep 22, 2026Oct 13, 2026
  • Oct 6, 20264.29%▲ from 3.71%
  • Sep 22, 20263.71%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
5 Years Share Certificate
$500
4.25% ▲ 1.30% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 1.30% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
20 Washington St N, Auburn, ME 04210
IRA 5 Year
$500
4.25% ▲ 1.30% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 1.30% above avgNationally 2.90%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 6, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
60 Month IRA Share Certificate
$0
4.23% ▲ 1.28% above Maine avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.28% above avgNationally 2.90%
Details

Balance: $150,000.00 or more

Rate History
No change since Oct 12, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 12, 2026: 4.23% APYOct 12, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
60 Month Premium Certificate
$0
4.13% ▲ 1.18% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.18% above avgNationally 2.90%
Details

Balance: $100,000 - $100,000

Rate History
1 change since Sep 25, 2026 · 3.77% → 4.13% ▲ 0.36 pts · high 4.13% / low 3.77%
3.27%3.95%4.63%Sep 25, 2026: 3.77% APYOct 4, 2026: 4.13% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.13%▲ from 3.77%
  • Sep 25, 20263.77%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
60 Month Premium IRA Certificate
$0
4.13% ▲ 1.18% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.18% above avgNationally 2.90%
Details

Balance: $100,000 - $100,000

Rate History
No change since Oct 4, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 4, 2026: 4.13% APYOct 4, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
60 Month IRA Share Certificate
$0
4.13% ▲ 1.18% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.18% above avgNationally 2.90%
Details

Balance: $50,000.00 to $149,999.99

Rate History
No change since Oct 12, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 12, 2026: 4.13% APYOct 12, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
IRA Certificate - 60 Months
$500
4.07% ▲ 1.12% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 1.12% above avgNationally 2.90%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
73 Main St, Dexter, ME 04930
Share Certificate - 60 Months
$500
4.07% ▲ 1.12% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 1.12% above avgNationally 2.90%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates - 60 Month Term
$0
4.03% ▲ 1.08% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.08% above avgNationally 2.90%
Details

Rates effective October 01, 2026; no rate premiums permitted

Rate History
No change since Oct 8, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 8, 2026: 4.03% APYOct 8, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1000 Lisbon St, Lewiston, ME 04240 5721
Share Certificates - 60 Month Term
$0
4.03% ▲ 1.08% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.08% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 4.03% APY
3.53%4.03%4.53%Oct 12, 2026: 4.03% APYOct 12, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
60 Month Business Certificate
$0
4.02% ▲ 1.07% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.07% above avgNationally 2.90%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Oct 4, 2026: 4.02% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
60 Month Certificate
$0
4.02% ▲ 1.07% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.07% above avgNationally 2.90%
Details

Balance: $500 - $500

Rate History
1 change since Sep 25, 2026 · 3.66% → 4.02% ▲ 0.36 pts · high 4.02% / low 3.66%
3.16%3.84%4.52%Sep 25, 2026: 3.66% APYOct 4, 2026: 4.02% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.02%▲ from 3.66%
  • Sep 25, 20263.66%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
60 Month HSA Certificate
$0
4.02% ▲ 1.07% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.07% above avgNationally 2.90%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Oct 4, 2026: 4.02% APYOct 4, 2026Oct 13, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
177 Main St, Bucksport, ME 04416
60 Month IRA Certificate
$0
4.02% ▲ 1.07% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.07% above avgNationally 2.90%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Oct 4, 2026: 4.02% APYOct 4, 2026Oct 13, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
1345 Washington Ave, Portland, ME 04103
60 Month IRA Share Certificate
$0
4.02% ▲ 1.07% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 1.07% above avgNationally 2.90%
Details

Balance: $1,000.00 to $49,999.99

Rate History
No change since Oct 12, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 12, 2026: 4.02% APYOct 12, 2026Oct 13, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
101 Western Ave, Hampden, ME 04444
Share & IRA Certificate - 5 year
$500
4.00% ▲ 1.05% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 1.05% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates - 60 Month
$0
3.87% ▲ 0.92% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 0.92% above avgNationally 2.90%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
5 Year Jumbo Certificates
$0
3.82% ▲ 0.87% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.87% above avgNationally 2.90%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates - 5 Years
$0
3.82% ▲ 0.87% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.87% above avgNationally 2.90%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME 04530 2401
5 Year IRA Certificate
$0
3.76% ▲ 0.81% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
831 Middle St, Bath, ME 04530 2401
5 Year Share Certificate
$0
3.76% ▲ 0.81% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 13, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
252 Main St, Saco, ME 04072
60 Month CD
$0
3.75% ▲ 0.80% above Maine avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average2.95%▲ 0.80% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
85 Civic Center Drive, AUGUSTA, ME 04330
60 Month Share & IRA Certificates
$2,000
3.61% ▲ 0.66% above Maine avg
View
▼
Rate3.55%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.66% above avgNationally 2.90%
Details

Penalty: 365 days

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
23 Industrial Park Rd, Saco, ME 04072 1804
60 Month Share Certificate
$0
3.61% ▲ 0.66% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 0.66% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.61% APY · checked 5 times
3.11%3.61%4.11%Sep 18, 2026: 3.61% APYSep 18, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates - 60 month
$500
3.56% ▲ 0.61% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 0.61% above avgNationally 2.90%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
1000 Central St, Millinocket, ME 04462 2101
Share Certificates - 60 month
$500
3.56% ▲ 0.61% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 0.61% above avgNationally 2.90%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
325 Lisbon St, Lisbon, ME 04250 6865
Certificates - 60 Months
$0
3.56% ▲ 0.61% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.61% above avgNationally 2.90%
Details

$1,000 minimum balance required to earn the APY; Penalty for early withdrawals

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.56% ▲ 0.31 pts · high 3.56% / low 3.25%
2.75%3.41%4.06%Sep 14, 2026: 3.25% APYSep 25, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.56%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
316 W River RD, Augusta, ME 04330 3992
Share, IRA & HSA Certificates of Deposit - 5 Year
$0
3.56% ▲ 0.61% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.61% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
5 Year Share Certificate
$500
3.56% ▲ 0.61% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.61% above avgNationally 2.90%
Details

Fixed-rate share certificate; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
144 Pine St, Lewiston, ME 04240
Certificates - 5 Years
$500
3.56% ▲ 0.61% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.61% above avgNationally 2.90%
Details

Minimum balance to open the account and earn the APY is $500; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
60 Months Certificate
$500
3.51% ▲ 0.56% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 0.56% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
375 Main St, Gorham, ME 04038 1336
IRA Certificate - 60 Months
$500
3.51% ▲ 0.56% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 0.56% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
43 High St, Caribou, ME 04736
60 Month CERTIFICATE OF DEPOSIT
$500
3.50% ▲ 0.55% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 0.55% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
5 Year IRA Certificate
$1,000
3.50% ▲ 0.55% above Maine avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 0.55% above avgNationally 2.90%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
78 Fox St, Madawaska, ME 04756
5 Year Share Certificate Account
$1,000
3.50% ▲ 0.55% above Maine avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 0.55% above avgNationally 2.90%
Details

Dividends Compounded: Monthly; Dividends Credited: Monthly; Dividends Period: Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
225 Riverside St, Portland, ME 04103 1038
IRA Certificate - 60 months
$0
3.50% ▲ 0.55% above Maine avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 0.55% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
23 Third Ave, Baileyville, ME 04694
60 Month Share Certificate & IRA Certificate
$500
3.50% ▲ 0.55% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 0.55% above avgNationally 2.90%
Details

Call to Open

Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
145 Main St, Biddeford, ME 04005
60 Month Certificate
$500
3.50% ▲ 0.55% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Maine Average2.95%▲ 0.55% above avgNationally 2.90%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 1, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
5 Year IRA Certificates
$0
3.45% ▲ 0.50% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.50% above avgNationally 2.90%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
776 Main St, Presque Isle, ME 04769
5 Year Share Certificates
$0
3.45% ▲ 0.50% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.50% above avgNationally 2.90%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 5, 2026: 3.45% APYOct 5, 2026Oct 13, 2026
Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
34 Bates St, Lewiston, ME 04240 7606
IRA & Share Certificates of Deposit - 5 Year
$0
3.29% ▲ 0.34% above Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.95%▲ 0.34% above avgNationally 2.90%
Details

Minimum deposit to earn dividends: $1000.00; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 12, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 12, 2026: 3.29% APYOct 12, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME 04106 3919
5 Year Certificate Accounts
$0
3.25% ▲ 0.30% above Maine avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Maine Average2.95%▲ 0.30% above avgNationally 2.90%
Details

Balance: $2,000 - 5 Years; Type: Fixed

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 Cottage Rd, South Portland, ME 04106 3919
5 Year IRA Certificate
$0
3.25% ▲ 0.30% above Maine avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Maine Average2.95%▲ 0.30% above avgNationally 2.90%
Details

Balance: $2,000 - 5 Years; Fixed

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
50 Riverside Industrial Pkwy, Portland, ME 04103
60 Month Bump Rate Certificates - Elevate Account
$500
3.25% ▲ 0.30% above Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.95%▲ 0.30% above avgNationally 2.90%
Details

APY = Annual Percentage Yield; Certificates carry a penalty for early withdrawal; IRA eligible

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Maine Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Androscoggin Savings Bank
18 Month Variable Rate IRA CD
A+ 5.0 ★ TX: 3.70%
Min: $500
4.64%
Northeast Bank Portland, ME
1 Year Propel CD
A+ 5.0 ★ TX: 5.03%
Min: $0
4.25%
Aroostook County FS&L Assoc.
12 Month CERTIFICATE OF DEPOSIT
A+ 5.0 ★ TX: 5.38%
Min: $500
4.00%
Maine Community Bank
Certificates of Deposit (CDs) - Special Offerings 12 Month Special
A+ 5.0 ★ TX: 4.93%
Min: $500
3.95%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
CU Top 5 Credit Union Rates
Dirigo Federal Credit Union
Jumbo IRA Certificate - 3 Year
A 5.0 ★ TX: 6.54%
Min: $0
4.60%
Maine Family Federal Credit Union
3 Year Certificate
A+ 5.0 ★ TX: 1.43%
Min: $500
4.50%
Empeople Credit Union
18 Month Certificate
A+ 5.0 ★ TX: 5.75%
Min: $500
4.40%
Oxford Federal Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 1.73%
Min: $1,000
4.30%
Winthrop Area Federal Credit Union
60 Month Share Certificate
A+ 5.0 ★ TX: 0.47%
Min: $500
4.29%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Maine CD Rate Trends

Compare local Maine CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Maine CD Trends
12-Month CD ME Avg
3.363%
▲ 0.014 vs 7 days ago

Maine 12-month CD rates rose 0.014 points over the past 7 days to 3.363% APY.

6-Month CD ME Avg
3.259%
▲ 0.009 vs 7 days ago

Maine 6-month CD rates rose 0.009 points over the past 7 days to 3.259% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

ME CD Rate Forecast, Next 12 Months

Where are Maine CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

ME 12-Month Avg APY
3.363%
6-Month Forecast
3.363%
Range: 3.16%, 3.51%
12-Month Forecast
3.613%
Range: 3.41%, 3.76%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Maine average 12-month CD APY in our database.

Spread model: The Maine 12-month CD average currently trades 1.01% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at ME CD Rates Today

Annual interest earnings at today’s Maine average APYs. State average used where available; national average as fallback.

CD Term ME Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.013% $100.65 $201.29 $503.23 $1,006.45
6-Month CD 3.259% $162.94 $325.87 $814.68 $1,629.35
12-Month CD 3.363% $168.16 $336.32 $840.80 $1,681.60
18-Month CD 3.292% $164.58 $329.15 $822.88 $1,645.75
24-Month CD 3.139% $156.95 $313.89 $784.73 $1,569.45
36-Month CD 3.041% $152.06 $304.12 $760.30 $1,520.60
48-Month CD 3.101% $155.06 $310.11 $775.28 $1,550.55
60-Month CD 2.955% $147.73 $295.45 $738.63 $1,477.25
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Maine Savers

$25,000 split equally across 5 terms using today’s Maine average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit ME Avg APY Annual Earnings
1 3-Month CD $5,000 2.013% $100.65
2 6-Month CD $5,000 3.259% $162.94
3 12-Month CD $5,000 3.363% $168.16
4 24-Month CD $5,000 3.139% $156.95
5 36-Month CD $5,000 3.041% $152.06
Total ($25,000 invested) $25,000 2.963% blended $740.76/yr

Ladder example uses equal $5,000 rungs and Maine average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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658
CD Rates
Tracked in Maine
22 Banks 42 Credit Unions

About Our Maine CD Rate Database

MonitorBankRates tracks 658 CD rates from 22 banks and 42 credit unions with locations in Maine, plus national online institutions available to Maine residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Androscoggin Savings Bank offers a CD at 4.64% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Maine.

How to Find the Best CD Rates in Maine

What to compare when shopping for a CD in Maine

To find the best APYs in Maine, start with credit unions and online-only banks: Maine has 42 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Maine

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Maine: 64 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Maine savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Maine money market rates

Maine Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
22.4%
National avg: 17.3%
Median Individual Earnings
$44,488
National avg: $47,340
Poverty Rate
10.7%
National avg: 11.1%
Unemployment Rate
3.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$150/yr
At ME 12-mo avg 3.363% APY

22.4% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s ME 12-month CD average of 3.363%, saving 10% of the local median salary ($4,448/year) and putting it in a CD would earn an additional $150 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Maine

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Maine

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Maine typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Maine as everywhere in the U.S.

Choosing a CD Term in Maine

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Maine savers easier access to their funds. For example, Maine Family Federal Credit Union is offering its 6 Month Certificate at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Maine Family Federal Credit Union is offering its 5 Year Certificate at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Maine Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Maine saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Maine

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Maine CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Maine

Most CDs carry a fixed rate that is locked for the entire term, protecting a Maine depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Maine

Are CD rates in Maine FDIC insured?

Yes, most established banks in Maine are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Maine?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Maine.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Maine may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Maine?

Here are recent top rates found for this area:
  • Androscoggin Savings Bank: 4.64% APY (18 Month Variable Rate IRA CD)
  • Dirigo Federal Credit Union: 4.60% APY (Jumbo IRA Certificate - 3 Year)
  • Maine Family Federal Credit Union: 4.50% APY (3 Year Certificate)
  • Empeople Credit Union: 4.40% APY (18 Month Certificate)
  • Oxford Federal Credit Union: 4.30% APY (60 Month Certificate)
  • Winthrop Area Federal Credit Union: 4.29% APY (60 Month Share Certificate)
  • Northeast Bank Portland, ME: 4.25% APY (1 Year Propel CD)
  • Trademark Federal Credit Union: 4.25% APY (2-Year Share Certificate)
  • Cumberland County Federal Credit Union: 4.23% APY (60 Month IRA Share Certificate)
  • Seaboard Federal Credit Union: 4.13% APY (60 Month Premium Certificate)
Rates reflect recent verified offers available in Maine. Last Updated: October 13, 2026

Maine CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Maine rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Maine CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Maine. Averages shown use the Maine state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Maine

Maine CD Calculator

At today’s ME top rate of 4.64% APY, a $10,000 deposit earns $464 in the first year. Enter your amount to see your exact return.

Maine CD Ladder

ME CD rates currently range from 2.013% (3-month) to 3.041% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Maine CD at 4.64% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Maine’s average 12-month CD is 3.363% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Maine CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Maine directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Maine. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in ME.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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Cities in Maine

  • Abbot
  • Acton
  • Addison
  • Albion
  • Alfred
  • Alna
  • Andover
  • Anson
  • Ashland
  • Athens
  • Auburn
  • Augusta
  • Aurora
  • Bailey Island
  • Baileyville
  • Bangor
  • Bar Harbor
  • Bar Mills
  • Bass Harbor
  • Bath
  • Bayville
  • Beals
  • Belfast
  • Belgrade
  • Belgrade Lakes
  • Benedicta
  • Bernard
  • Berwick
  • Bethel
  • Biddeford
  • Biddeford Pool
  • Bingham
  • Birch Harbor
  • Blaine
  • Blue Hill
  • Blue Hill Falls
  • Boothbay
  • Boothbay Harbor
  • Bowdoin
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  • Bradford
  • Bradley
  • Bremen
  • Brewer
  • Bridgewater
  • Bridgton
  • Bristol
  • Brooklin
  • Brooks
  • Brooksville
  • Brookton
  • Brownfield
  • Brownville
  • Brownville Junction
  • Brunswick
  • Bryant Pond
  • Buckfield
  • Bucksport
  • Burlington
  • Burnham
  • Bustins Island
  • Calais
  • Cambridge
  • Camden
  • Canaan
  • Canton
  • Cape Elizabeth
  • Cape Neddick
  • Cape Porpoise
  • Caratunk
  • Cardville
  • Caribou
  • Carmel
  • Cary
  • Casco
  • Castine
  • Center Lovell
  • Chamberlain
  • Charleston
  • Chebeague Island
  • Cherryfield
  • China
  • Clayton Lake
  • Cliff Island
  • Clinton
  • Columbia Falls
  • Coopers Mills
  • Corea
  • Corinna
  • Corinth
  • Cornish
  • Costigan
  • Cranberry Isles
  • Crouseville
  • Cumberland Center
  • Cumberland Foreside
  • Cushing
  • Cutler
  • Damariscotta
  • Danforth
  • Danville
  • Deer Isle
  • Denmark
  • Dennysville
  • Detroit
  • Dexter
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  • Dixmont
  • Dover Foxcroft
  • Dresden
  • Dryden
  • Durham
  • Eagle Lake
  • East Andover
  • East Baldwin
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  • East Boothbay
  • East Dixfield
  • East Livermore
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  • East Millinocket
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  • East Orland
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  • East Vassalboro
  • East Waterboro
  • East Wilton
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  • Easton
  • Eastport
  • Eddington
  • Edgecomb
  • Eliot
  • Ellsworth
  • Estcourt Station
  • Etna
  • Eustis
  • Exeter
  • Fairfield
  • Falmouth
  • Farmingdale
  • Farmington
  • Farmington Falls
  • Fort Fairfield
  • Fort Kent
  • Fort Kent Mills
  • Frankfort
  • Franklin
  • Freedom
  • Freeport
  • Frenchboro
  • Frenchville
  • Friendship
  • Fryeburg
  • Gardiner
  • Garland
  • Georgetown
  • Glen Cove
  • Gorham
  • Gouldsboro
  • Grand Isle
  • Grand Lake Stream
  • Gray
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  • Greenville
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  • Guilford
  • Hallowell
  • Hampden
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  • Hanover
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  • Jackman
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  • Kenduskeag
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  • Kents Hill
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  • Lagrange
  • Lambert Lake
  • Lebanon
  • Lee
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  • Levant
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  • Liberty
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  • Limington
  • Lincoln
  • Lincolnville
  • Lincolnville Center
  • Lisbon
  • Lisbon Falls
  • Litchfield
  • Little Deer Isle
  • Livermore
  • Livermore Falls
  • Locke Mills
  • Long Island
  • Lovell
  • Lubec
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  • Manchester
  • Manset
  • Mapleton
  • Mars Hill
  • Masardis
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  • Mechanic Falls
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  • Naples
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  • New Sharon
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  • Sherman Mills
  • Sherman Station
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  • Sinclair
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  • Springfield
  • Springvale
  • Spruce Head
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  • Stacyville
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  • Stoneham
  • Stonington
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  • Strong
  • Sullivan
  • Sumner
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  • Temple
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  • Turner
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  • Union
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  • Waterboro
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  • Wayne
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  • West Rockport
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  • Westbrook
  • Westfield
  • Whitefield
  • Whiting
  • Wilton
  • Windham
  • Windsor
  • Winn
  • Winter Harbor
  • Winterport
  • Winterville
  • Winthrop
  • Wiscasset
  • Woolwich
  • Wytopitlock
  • Yarmouth
  • York
  • York Beach
  • York Harbor