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Maine Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Current Maine CD rates include Northeast Bank Portland, MENortheast Bank Portland, ME27 Pearl St, Portland, ME 04101A+5.0 ★Texas Ratio: 5.77%Real return: +1.45%APY minus CPI (February 2026) offering Propel Relationship CDs - 1 Year CD at 4.25% APY, Empeople Credit UnionEmpeople Credit Union145 Main St, Biddeford, ME 04005A+5.0 ★Texas Ratio: 4.55%Real return: +1.45%APY minus CPI (February 2026) offering 12 Month Certificate at 4.25% APY, Androscoggin Savings BankAndroscoggin Savings Bank30 Lisbon St, Lewiston, ME 04240A+5.0 ★Texas Ratio: 3.70%Real return: +1.43%APY minus CPI (February 2026) offering 18 Month Variable Rate IRA CD at 4.23% APY, Maine Highlands Federal Credit UnionMaine Highlands Federal Credit Union73 Main St, Dexter, ME 04930A5.0 ★Texas Ratio: 8.63%Real return: +1.27%APY minus CPI (February 2026) offering 48 Month IRA Certificates at 4.07% APY, and Evergreen Credit Union Portland, MEEvergreen Credit Union Portland, ME225 Riverside St, Portland, ME 04103 1038A5.0 ★Texas Ratio: 7.92%Real return: +1.25%APY minus CPI (February 2026) offering 6 Month Business Saver Certificate at 4.05% APY. CD rates as of September 21, 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 4.25% APY from Northeast Bank Portland, ME at 27 Pearl St, Portland, ME 04101. 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: September 21, 2026
Compare Best CD Rates in Maine
Maine 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 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
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
312 Main St, Saco, ME 04072 1515
3 Month Special Certificate
$500
3.76%
▲ 1.70% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.70% above avg
Details
Balance: $500.00 and above
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
145 Main St, Biddeford, ME 04005
3 Month Certificate
$5,000
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
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.
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
104 Main St, Kennebunk, ME 04043
3 Month Certificate
$0
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.50% above avg
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
420 Brunswick Ave, Gardiner, ME 04345 2836
3 Month IRA Certificate
$0
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.50% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
3 Month IRA/Roth IRA Certificate
$500
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
3 Month Share Certificate
$500
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.25%
23 Industrial Park Rd, Saco, ME 04072 1804
3 Month Share Certificate
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
Term: 3 Months (No Early Withdrawal Penalty); APY**
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
3 Month Share Certificates
$0
2.68%
▲ 0.62% above national avg
▼
Rate2.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.62% above avg
Details
IRA eligible.
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%
▲ 0.47% above national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.47% above avg
Details
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%
▲ 0.22% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.22% above avg
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
3 Month CD
$500
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.19% above avg
Details
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%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.04% below avg
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
505 SOMERSET AVE, PITTSFIELD, ME 04967
3 Month IRA Certificates
$0
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.04% below avg
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
505 SOMERSET AVE, PITTSFIELD, ME 04967
3 Month Share Certificates
$0
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.04% below avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
Share Certificate - 3 month
$500
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.04% below avg
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
3 Month Share Certificates
$500
1.51%
▼ 0.55% below national avg
▼
Rate1.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.55% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
163 Broadway, Farmington, ME 04938
3 Month CD
$250
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
163 Broadway, Farmington, ME 04938
3 Month Certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Balance: $250.00 - $9,999.99
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
3 Month Certificate
$500
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.06% below avg
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 3 Month
$500
1.00%
▼ 1.06% below national avg
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.06% below avg
Details
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%
▼ 1.25% below national avg
▼
Rate0.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.25% below avg
Details
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%
▼ 1.81% below national avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.81% below avg
Details
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%
▼ 1.86% below national avg
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.86% below avg
Details
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%
▼ 1.86% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.86% below avg
Details
The disclosed APY assumes the interest remains on deposit for the term of the time deposit. Rates subject to change without notice. A penalty may be imposed for withdrawal(s) before maturity. Other terms and rates available.
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
66 Main St, Ellsworth, ME 04605
90-Day CD
$500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 2.01% below avg
Details
Maine 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 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
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
27 Pearl St, Portland, ME 04101
Propel Relationship CDs - 6-Month CD
$0
4.15%
▲ 1.38% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.38% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
6 Month Business Saver Certificate
$0
4.05%
▲ 1.28% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
6 Month IRA Certificates
$0
4.05%
▲ 1.28% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
27 Pearl St, Portland, ME 04101
6-Month CD
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
23 Third Ave, Baileyville, ME 04694
6 Month Share Certificate & IRA Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
145 Main St, Biddeford, ME 04005
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
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.
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%
▲ 1.13% above national avg
▼
Rate3.77%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
420 Brunswick Ave, Gardiner, ME 04345 2836
6 Month IRA Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.05% above avg
Details
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
272 PARK AVE, PORTLAND, ME 04102 2912
6 Month Share Certificate
$2,500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Portsmouth Naval Shipyard, Kittery, ME 03904
6 Month Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
IRA Certificates - 6 Months
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.94% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
Share Certificates - 6 Months
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.94% above avg
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
6 Month Jumbo Certificates
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.94% above avg
Details
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
312 Main St, Saco, ME 04072 1515
6 Months Certificate
$500
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.94% above avg
Details
Balance: $50,000.00 and above
CASCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
375 Main St, Gorham, ME 04038 1336
6 Month Certificates
$500
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.94% above avg
Details
Rates are accurate as of 04/08/2026.
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
6 Month CERTIFICATE ACCOUNTS
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Effective Date: Sunday, September 20th, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
6 Month IRA Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Fixed
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
312 Main St, Saco, ME 04072 1515
6 Months Certificate
$500
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.89% above avg
Details
Balance: $500.00 - $49,999.99
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
6 month CD
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.79% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
6 Month Term
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.79% above avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
Share Certificate - 6 month
$500
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.79% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
6 Month Share Certificates
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
IRA Share Certificates 6 months
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
325 Lisbon St, Lisbon, ME 04250 6865
6 Month Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Balance: $1,000 Minimum
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
316 W River RD, Augusta, ME 04330 3992
6 Month HSA Share Certificate of Deposit
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Share, IRA & HSA Certificates of Deposit
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
6 Month Share Certificates
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
IRA eligible.
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
6 Month CD
$500
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.74% above avg
Details
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
109 Main St, Pittsfield, ME 04967
6-month CD special
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
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.
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
109 Main St, Pittsfield, ME 04967
6-month IRA CD special
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
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 and requires a minimum opening deposit of $1,000. It is also available as a CD.
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
6 Month Special Certificate of Deposit
$500
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
6 Month Special IRA Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2 Middle Rd, Sabattus, ME 04280
6 Month IRA Share Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.25%
23 Industrial Park Rd, Saco, ME 04072 1804
6 Month Share Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
APY**
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
6 Month Certificates
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
94 HIGHLAND AVE, WINTHROP, ME 04364
6 Month Share Certificate
$500
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.52%
197 Main St, Farmington, ME 04938
6-Month Certificate of Deposit
$500
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.63% above avg
Details
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%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.63% above avg
Details
An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685.
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Ledgeview Dr, Westbrook, ME 04092 3939
6 Month Certificates
$0
3.39%
▲ 0.62% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.62% above avg
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
66 Main St, Ellsworth, ME 04605
6-Month CD
$1,000
3.35%
▲ 0.58% above national avg
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.58% above avg
Details
1
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
66 Main St, Ellsworth, ME 04605
6-month Certificate of Deposit (CD) Special
$1,000
3.35%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.58% above avg
Details
This account is for individuals only. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the 6-month CD Special account is opened. Please refer to the Certificate of Deposit Account Agreement for more information and eligibility details. This offer is available for new accounts opened on or after 3/4/2026. Rate offer is valid for new money only. Transfers from existing Camden National Bank accounts are not eligible. A withdrawal of interest will reduce earnings. If you withdraw before the stated maturity, an early withdrawal penalty will apply. Fees may reduce earnings.
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
6 Month IRA/Roth IRA Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
6 Month Share Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
6 Month IRA Share Certificates
$0
3.31%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.54% above avg
Details
Dividends Compounded: daily
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
6 Month Share Certificates
$0
3.31%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.54% above avg
Details
Dividends Compounded: daily
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
104 Main St, Kennebunk, ME 04043
6 Month Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.53% above avg
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
85 Civic Center Drive, AUGUSTA, ME 04330
6 Month Share & IRA Certificates
$2,000
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
977 Union St, Bangor, ME 04401
6 Month Share Certificates
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
272 PARK AVE, PORTLAND, ME 04102 2912
6 Month Save Up Share Certificate
$100
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.48% above avg
Details
First Federal S&L Bath
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
125 Front St, Bath, ME 04530
6 Month Compounded Certificate of Deposit
$10,000
3.05%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.28% above avg
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
6 Month Certificate
$500
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.27% above avg
Details
Maine 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 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
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
27 Pearl St, Portland, ME 04101
Propel Relationship CDs - 1 Year CD
$0
4.25%
▲ 1.30% above national avg
▼
Rate4.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
145 Main St, Biddeford, ME 04005
12 Month Certificate
$500
4.25%
▲ 1.30% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.30% above avg
Details
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.
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
27 Pearl St, Portland, ME 04101
1 Year CD
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.15% above avg
Details
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%
▲ 1.05% above national avg
▼
Rate3.87%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
272 PARK AVE, PORTLAND, ME 04102 2912
12 Month Share Certificate
$2,500
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
12 Month Business Saver Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
12 Month IRA Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Portsmouth Naval Shipyard, Kittery, ME 03904
12 Month Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificate - 12 month
$500
3.97%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.02% above avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
Share Certificate - 12 month
$500
3.97%
▲ 1.02% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.02% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Term
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Wealth Builder IRA Share Certificates
$0
3.82%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
420 Brunswick Ave, Gardiner, ME 04345 2836
12 Month IRA Certificate
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
12 Month Certificate
$500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
Special
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 12 Month SPECIAL
$500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.87% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
IRA Certificates - 1 Year
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
12 Month Share Certificates
$1,000
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
IRA Share Certificates 12 months
$1,000
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
316 W River RD, Augusta, ME 04330 3992
12 Month HSA Share Certificate of Deposit
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
Share, IRA & HSA Certificates of Deposit
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
12 Month IRA Certificates
$500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
12 Month Share Certificates
$500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
94 HIGHLAND AVE, WINTHROP, ME 04364
12 Month Certificate Special
$500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.87% above avg
Details
CASCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
375 Main St, Gorham, ME 04038 1336
12 Month Certificates
$500
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.87% above avg
Details
Rates are accurate as of 04/08/2026.
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
1 Year CD
$500
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Fixed Rate Share Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Term
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
Share Certificates - 1 Year
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
23 Third Ave, Baileyville, ME 04694
1 Year Share Certificate & IRA Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
23 Third Ave, Baileyville, ME 04694
1 Year Share Certificate Sow & Grow (Youth)
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Fixed Rate IRA Share Certificates
$0
3.72%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.77% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Term
$0
3.72%
▲ 0.77% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.77% above avg
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
12 Month Jumbo Certificates
$0
3.71%
▲ 0.76% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.76% above avg
Details
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
12 Month Share Certificate
$0
3.66%
▲ 0.71% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.71% above avg
Details
IRA eligible.
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
1 Year CERTIFICATE ACCOUNTS
$0
3.65%
▲ 0.70% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.70% above avg
Details
Effective Date: Sunday, September 20th, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
1 Year IRA Certificate
$0
3.65%
▲ 0.70% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.70% above avg
Details
Fixed
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
Ultimate Insured Share Certificate - 12 Mo. (Currently Closed to New Shares)
$250,000
3.60%
▲ 0.65% above national avg
▼
Rate3.54%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.65% above avg
Details
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
325 Lisbon St, Lisbon, ME 04250 6865
12 Month Certificate
$0
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.61% above avg
Details
Balance: $1,000 Minimum
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
12 Month IRA Share Certificates
$0
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.61% above avg
Details
Dividends Compounded: daily
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
12 Month Share Certificates
$0
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.61% above avg
Details
Dividends Compounded: daily
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
12 Month Share Certificates
$0
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.61% above avg
Details
IRA eligible.
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
109 Main St, Pittsfield, ME 04967
12-month CD special
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
This CD special is only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD.
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
109 Main St, Pittsfield, ME 04967
12-month IRA CD special
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
This IRA CD special is only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust and requires a minimum opening deposit of $1,000. It is also available as a CD.
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
272 PARK AVE, PORTLAND, ME 04102 2912
12 Month Save Up Share Certificate
$100
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
1 Year IRA/Roth IRA Certificate
$500
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
1 Year Share Certificate
$500
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2 Middle Rd, Sabattus, ME 04280
1 Year IRA Share Certificate
$500
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
85 Civic Center Drive, AUGUSTA, ME 04330
12 Month Share & IRA Certificates
$2,000
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.50% above avg
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
12 Month Certificates
$0
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.50% above avg
Details
Bar Harbor SLA
Institution Rating:
A-4.9 ★Texas Ratio: 15.99%
103 Main St, Bar Harbor, ME 04609
12 MONTH CD
$500
3.40%
▲ 0.45% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.45% above avg
Details
An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685.
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Ledgeview Dr, Westbrook, ME 04092 3939
12 Month Certificates
$0
3.39%
▲ 0.44% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.44% above avg
Details
Maine 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 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
4.23%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.41% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
145 Main St, Biddeford, ME 04005
18 Month Certificate
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details
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.
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%
▲ 1.13% above national avg
▼
Rate3.82%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.13% above avg
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
467 Congress St, Portland, ME 04101
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
Requires a qualifying checking account.
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
467 Congress St, Portland, ME 04101
18-Month M&T Select CD
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
18 Month Certificate
$500
3.82%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.00% above avg
Details
Special
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 18 Month SPECIAL
$500
3.82%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.00% above avg
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
316 W River RD, Augusta, ME 04330 3992
18 Month HSA Share Certificate of Deposit
$0
3.82%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.00% above avg
Details
Share, IRA & HSA Certificates of Deposit
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificate - 18 month
$500
3.76%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.94% above avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
Share Certificate - 18 month
$500
3.76%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.94% above avg
Details
Maine Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
101 Western Ave, Hampden, ME 04444
18 Month Certificate
$500
3.75%
▲ 0.93% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
18 Month Share Certificates
$1,000
3.71%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.89% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
IRA Share Certificates 18 months
$1,000
3.71%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.89% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
18 Month Term
$0
3.67%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.85% above avg
Details
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Portsmouth Naval Shipyard, Kittery, ME 03904
18 Month Share Certificate
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
IRA Certificates - 18 Months
$0
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.79% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
Share Certificates - 18 Months
$0
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.79% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
18 Month Term
$0
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.74% above avg
Details
CASCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
375 Main St, Gorham, ME 04038 1336
18 Month Certificates
$500
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.69% above avg
Details
Rates are accurate as of 04/08/2026.
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%
▲ 0.68% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.68% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
18 Month IRA/Roth IRA Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
18 Month Share Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
85 Civic Center Drive, AUGUSTA, ME 04330
18 Month Share & IRA Certificates
$2,000
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.63% above avg
Details
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
94 HIGHLAND AVE, WINTHROP, ME 04364
18 Month Certificate
$500
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.63% above avg
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
18 Month IRA Share Certificates
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.48% above avg
Details
Dividends Compounded: daily
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
18 Month Share Certificates
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.48% above avg
Details
Dividends Compounded: daily
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Ledgeview Dr, Westbrook, ME 04092 3939
18 Month Certificates
$0
3.29%
▲ 0.47% above national avg
▼
Rate3.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.47% above avg
Details
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.52%
197 Main St, Farmington, ME 04938
18-Month Certificate of Deposit
$500
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.43% above avg
Details
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.52%
197 Main St, Farmington, ME 04938
18-Month Variable IRA Certificate of Deposit
$100
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.43% above avg
Details
Variable IRA
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
150 State St, Augusta, ME 04330
18 Month Certificate
$500
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.43% above avg
Details
Compounding: Daily
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
325 Lisbon St, Lisbon, ME 04250 6865
18 Month Certificate
$0
3.19%
▲ 0.37% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.37% above avg
Details
Balance: $1,000 Minimum
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
505 SOMERSET AVE, PITTSFIELD, ME 04967
18 Month IRA Certificates
$0
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.22% above avg
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
505 SOMERSET AVE, PITTSFIELD, ME 04967
18 Month Share Certificates
$0
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.22% above avg
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
18 Month Share Certificates
$500
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.22% above avg
Details
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.25%
23 Industrial Park Rd, Saco, ME 04072 1804
18 Month Share Certificate
$0
3.04%
▲ 0.22% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.22% above avg
Details
APY**
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
831 Middle St, Bath, ME 04530 2401
18 Month IRA Certificates
$0
2.99%
▲ 0.17% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.17% above avg
Details
18 Months
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
831 Middle St, Bath, ME 04530 2401
18 Month Share Certificates
$0
2.99%
▲ 0.17% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.17% above avg
Details
18 Months
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
18 Month Liquid Certificates
$0
2.94%
▲ 0.12% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.12% above avg
Details
Includes one penalty-free withdrawal per quarter.
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
18 Month Share Certificates
$0
2.89%
▲ 0.07% above national avg
▼
Rate2.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.07% above avg
Details
IRA eligible.
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
18 Month Liquid Certificates
$0
2.84%
▲ 0.02% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.02% above avg
Details
Includes one penalty-free withdrawal per quarter.
Bar Harbor SLA
Institution Rating:
A-4.9 ★Texas Ratio: 15.99%
103 Main St, Bar Harbor, ME 04609
18 MONTH CD
$500
2.78%
▼ 0.04% below national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▼ 0.04% below avg
Details
An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685.
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
977 Union St, Bangor, ME 04401
18 Month Share Certificates
$0
2.75%
▼ 0.07% below national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.07% below avg
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
18 Month CD
$500
2.00%
▼ 0.82% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.82% below avg
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
18 Month Certificate of Deposit
$500
2.00%
▼ 0.82% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.82% below avg
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
18 Month IRA Certificate
$500
2.00%
▼ 0.82% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.82% below avg
Details
Katahdin Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
11 Main St, Patten, ME 04765
18 month variable rate IRA/SEP
$0
1.60%
▼ 1.22% below national avg
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 1.22% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
163 Broadway, Farmington, ME 04938
18 Month CD
$250
1.00%
▼ 1.82% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.82% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
163 Broadway, Farmington, ME 04938
18 Month Certificate
$0
1.00%
▼ 1.82% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.82% below avg
Details
Balance: $250.00 - $9,999.99
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
104 Main St, Kennebunk, ME 04043
18 Month Certificate
$0
1.00%
▼ 1.82% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▼ 1.82% below avg
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
177 Main St, Farmington, ME 04938
18 Month Certificate of Deposit - Benefit Plus
$0
0.95%
▼ 1.87% below national avg
▼
Rate0.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.87% below avg
Details
Maine 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 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: 4.55%
145 Main St, Biddeford, ME 04005
24 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details
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.
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
44 Edison Dr, Augusta, ME 04330 6033
2-Year Share Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.16% above avg
Details
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%
▲ 1.06% above national avg
▼
Rate3.77%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
420 Brunswick Ave, Gardiner, ME 04345 2836
24 Month IRA Certificate
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.03% above avg
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
316 W River RD, Augusta, ME 04330 3992
2 Year HSA Share Certificate of Deposit
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details
Share, IRA & HSA Certificates of Deposit
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
272 PARK AVE, PORTLAND, ME 04102 2912
24 Month Share Certificate
$2,500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
24 Month Certificate
$500
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.98% above avg
Details
Special
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 24 Month SPECIAL
$500
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.98% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
24 Month Business Saver Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
24 Month IRA Certificates
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificate - 24 month
$500
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.92% above avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
Share Certificate - 24 month
$500
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.92% above avg
Details
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Portsmouth Naval Shipyard, Kittery, ME 03904
24 Month Share Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
24 Month Share Certificates
$1,000
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.87% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
IRA Share Certificates 24 months
$1,000
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.87% above avg
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
2 Year Jumbo Certificates
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.87% above avg
Details
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Portsmouth Naval Shipyard, Kittery, ME 03904
24 Month Variable Rate Certificates
$0
3.69%
▲ 0.85% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.85% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
24 Month Term
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.77% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
IRA Certificates - 2 Years
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
Share Certificates - 2 Years
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
24 Month Term
$0
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.67% above avg
Details
CASCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
375 Main St, Gorham, ME 04038 1336
24 Month Certificates
$500
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.67% above avg
Details
Rates are accurate as of 04/08/2026.
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
85 Civic Center Drive, AUGUSTA, ME 04330
24 Month Share & IRA Certificates
$2,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2 Middle Rd, Sabattus, ME 04280
2 Year IRA Share Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
2 Year IRA Certificate
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
Fixed
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
2 Year IRA/Roth IRA Certificate
$500
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
2 Year Share Certificate
$500
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
2 Year Certificates
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
94 HIGHLAND AVE, WINTHROP, ME 04364
24 Month Certificate
$500
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.61% above avg
Details
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
27 Pearl St, Portland, ME 04101
Propel Relationship CDs - 2 Year CD
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
34 Bates St, Lewiston, ME 04240 7606
2 Year IRA & Share Certificates of Deposit
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.56% above avg
Details
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
23 Third Ave, Baileyville, ME 04694
2 Year Share Certificate & IRA Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
23 Third Ave, Baileyville, ME 04694
2 Year Share Certificate Sow & Grow
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
505 SOMERSET AVE, PITTSFIELD, ME 04967
24 Month IRA Certificates
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.46% above avg
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
505 SOMERSET AVE, PITTSFIELD, ME 04967
24 Month Share Certificates
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.46% above avg
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
24 Month IRA Share Certificates
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.46% above avg
Details
Dividends Compounded: daily
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
24 Month Share Certificates
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.46% above avg
Details
Dividends Compounded: daily
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
24 Month Share Certificates
$500
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.46% above avg
Details
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
27 Pearl St, Portland, ME 04101
2 Year CD
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
150 State St, Augusta, ME 04330
2 Year Certificate
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.41% above avg
Details
Compounding: Daily
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
325 Lisbon St, Lisbon, ME 04250 6865
24 Month Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.36% above avg
Details
Balance: $1,000 Minimum
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
831 Middle St, Bath, ME 04530 2401
2 Year IRA Certificates
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.21% above avg
Details
2 Year
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
831 Middle St, Bath, ME 04530 2401
2 Year Share Certificates
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.21% above avg
Details
2 Year
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
2 Year CERTIFICATE ACCOUNTS
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.01%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.21% above avg
Details
Effective Date: Sunday, September 20th, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.25%
23 Industrial Park Rd, Saco, ME 04072 1804
24 Month Share Certificate
$0
3.04%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.20% above avg
Details
APY**
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.52%
197 Main St, Farmington, ME 04938
2-Year Certificate of Deposit
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.16% above avg
Details
Maine Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
101 Western Ave, Hampden, ME 04444
2 Year Certificate
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.16% above avg
Details
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Ledgeview Dr, Westbrook, ME 04092 3939
24 Month Certificates
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.15% above avg
Details
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
24 Month Bump Certificates
$500
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.10% above avg
Details
IRA eligible.
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
24 Month Elevate Account Certificate
$100
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.10% above avg
Details
IRA eligible.
Maine 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 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
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
420 Brunswick Ave, Gardiner, ME 04345 2836
36 Month IRA Certificate
$0
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.11% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
145 Main St, Biddeford, ME 04005
36 Month Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
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.
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificate - 36 month
$500
3.71%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.95% above avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
Share Certificate - 36 month
$500
3.71%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.95% above avg
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
3 Year Jumbo Certificates
$0
3.71%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.95% above avg
Details
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
94 HIGHLAND AVE, WINTHROP, ME 04364
36 Month Certificate
$500
3.71%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.95% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
36 Month Term
$0
3.67%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.91% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
36 Month Term
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.80% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
36 Month Share Certificates
$1,000
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
IRA Share Certificates 36 months
$1,000
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
316 W River RD, Augusta, ME 04330 3992
3 Year HSA Share Certificate of Deposit
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
Share, IRA & HSA Certificates of Deposit
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
36 Month IRA Certificates
$500
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
36 Month Share Certificates
$500
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.80% above avg
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
85 Civic Center Drive, AUGUSTA, ME 04330
36 Month Share & IRA Certificates
$2,000
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.80% above avg
Details
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%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.79% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
IRA Certificates - 3 Years
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.75% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
Share Certificates - 3 Years
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.75% above avg
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
3 Year Certificates
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.69% above avg
Details
Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
34 Bates St, Lewiston, ME 04240 7606
3 Year IRA & Share Certificates of Deposit
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.64% above avg
Details
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2 Middle Rd, Sabattus, ME 04280
3 Year IRA Share Certificate
$500
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
36 Month Business Saver Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
36 Month IRA Certificates
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
CASCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
375 Main St, Gorham, ME 04038 1336
36 Month Certificates
$500
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
Rates are accurate as of 04/08/2026.
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
505 SOMERSET AVE, PITTSFIELD, ME 04967
36 Month IRA Certificates
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
505 SOMERSET AVE, PITTSFIELD, ME 04967
36 Month Share Certificates
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.54% above avg
Details
Maine Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
101 Western Ave, Hampden, ME 04444
3 Year Certificate
$500
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
3 Year IRA/Roth IRA Certificate
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
3 Year Share Certificate
$500
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% above avg
Details
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
23 Third Ave, Baileyville, ME 04694
3 Year Share Certificate & IRA Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.49% above avg
Details
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
325 Lisbon St, Lisbon, ME 04250 6865
36 Month Certificate
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.44% above avg
Details
Balance: $1,000 Minimum
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
831 Middle St, Bath, ME 04530 2401
3 Year IRA Certificates
$0
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.38% above avg
Details
3 Year
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
831 Middle St, Bath, ME 04530 2401
3 Year Share Certificates
$0
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.38% above avg
Details
3 Year
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
3 Year CERTIFICATE ACCOUNTS
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.34% above avg
Details
Effective Date: Sunday, September 20th, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
3 Year IRA Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.34% above avg
Details
Fixed
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
312 Main St, Saco, ME 04072 1515
36 months Certificate
$500
3.09%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.33% above avg
Details
Balance: $50,000.00 and above
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.25%
23 Industrial Park Rd, Saco, ME 04072 1804
36 Month Share Certificate
$0
3.09%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.33% above avg
Details
APY**
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
36 Month IRA Share Certificates
$0
3.05%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.29% above avg
Details
Dividends Compounded: daily
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
36 Month Share Certificates
$0
3.05%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.29% above avg
Details
Dividends Compounded: daily
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
36 Month Bump Certificates
$500
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.28% above avg
Details
IRA eligible.
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
36 Month Share Certificates
$0
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.28% above avg
Details
IRA eligible.
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
312 Main St, Saco, ME 04072 1515
36 months Certificate
$500
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.28% above avg
Details
Balance: $500.00 - $49,999.99
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
150 State St, Augusta, ME 04330
3 Year Certificate
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.24% above avg
Details
Compounding: Daily
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Portsmouth Naval Shipyard, Kittery, ME 03904
36 Month Share Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Ledgeview Dr, Westbrook, ME 04092 3939
36 Month Certificates
$0
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.23% above avg
Details
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
36 Month Bump Certificates
$500
2.94%
▲ 0.18% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.18% above avg
Details
IRA eligible.
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
36 Month Certificate
$500
2.68%
▼ 0.08% below national avg
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.08% below avg
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 36 Month
$500
2.68%
▼ 0.08% below national avg
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.08% below avg
Details
Bar Harbor SLA
Institution Rating:
A-4.9 ★Texas Ratio: 15.99%
103 Main St, Bar Harbor, ME 04609
36 MONTH CD
$500
2.58%
▼ 0.18% below national avg
▼
Rate2.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.18% below avg
Details
An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685.
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
977 Union St, Bangor, ME 04401
36 Month Share Certificates
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.26% below avg
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
85 Civic Center Drive, AUGUSTA, ME 04330
Super Saver Share Certificates - 36 Months
$500
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.74% below avg
Details
Penalty: 365 days
Maine 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 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 Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
48 Month IRA Certificates
$500
4.07%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.30% above avg
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
420 Brunswick Ave, Gardiner, ME 04345 2836
48 Month IRA Certificate
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.10% above avg
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
48 Month Share Certificates
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
4 Year Jumbo Certificates
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.05% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
48 Month Term
$0
3.72%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.95% above avg
Details
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
94 HIGHLAND AVE, WINTHROP, ME 04364
48 Month Certificate
$500
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.94% above avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificate - 48 month
$500
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.89% above avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
Share Certificate - 48 month
$500
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.89% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
48 Month Term
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.84% above avg
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
85 Civic Center Drive, AUGUSTA, ME 04330
48 Month Share & IRA Certificates
$2,000
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.84% above avg
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
316 W River RD, Augusta, ME 04330 3992
4 Year HSA Share Certificate of Deposit
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Share, IRA & HSA Certificates of Deposit
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
4 Year Certificates
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
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%
▲ 0.73% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
145 Main St, Biddeford, ME 04005
48 Month Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
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.
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
IRA Certificates - 4 Years
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.68% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
Share Certificates - 4 Years
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.68% above avg
Details
Maine Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
101 Western Ave, Hampden, ME 04444
4 Year Certificate
$500
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.63% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
48 Month Business Saver Certificate
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
48 Month IRA Certificates
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
312 Main St, Saco, ME 04072 1515
48 months Certificate
$500
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Balance: $50,000.00 and above
CASCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
375 Main St, Gorham, ME 04038 1336
48 Month Certificates
$500
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Rates are accurate as of 04/08/2026.
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
48 Month Share Certificates
$1,000
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.58% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
IRA Share Certificates 48 months
$1,000
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.58% above avg
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
4 Year IRA Certificate
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.58% above avg
Details
Fixed
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
312 Main St, Saco, ME 04072 1515
48 months Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Balance: $500.00 - $49,999.99
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.25%
23 Industrial Park Rd, Saco, ME 04072 1804
48 Month Share Certificate
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
APY**
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
505 SOMERSET AVE, PITTSFIELD, ME 04967
48 Month IRA Certificates
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.53% above avg
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
505 SOMERSET AVE, PITTSFIELD, ME 04967
48 Month Share Certificates
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.53% above avg
Details
Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
34 Bates St, Lewiston, ME 04240 7606
4 Year IRA & Share Certificates of Deposit
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.52% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
4 Year IRA/Roth IRA Certificate
$500
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
4 Year Share Certificate
$500
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2 Middle Rd, Sabattus, ME 04280
4 Year IRA Share Certificate
$500
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
23 Third Ave, Baileyville, ME 04694
4 Year Share Certificate & IRA Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.48% above avg
Details
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
831 Middle St, Bath, ME 04530 2401
4 Year IRA Certificates
$0
3.24%
▲ 0.47% above national avg
▼
Rate3.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.47% above avg
Details
4 Year
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
831 Middle St, Bath, ME 04530 2401
4 Year Share Certificates
$0
3.24%
▲ 0.47% above national avg
▼
Rate3.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.47% above avg
Details
4 Year
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
4 Year CERTIFICATE ACCOUNTS
$0
3.15%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.38% above avg
Details
Effective Date: Sunday, September 20th, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
48 Month Bump Certificates
$500
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.37% above avg
Details
IRA eligible.
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
48 Month Share Certificates
$0
3.09%
▲ 0.32% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.32% above avg
Details
IRA eligible.
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
48 Month Bump Certificates
$500
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
IRA eligible.
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Ledgeview Dr, Westbrook, ME 04092 3939
48 Month Certificates
$0
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.08% above avg
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
150 State St, Augusta, ME 04330
4 Year Certificate
$500
2.75%
▼ 0.02% below national avg
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.02% below avg
Details
Compounding: Daily
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
48 Month Certificate
$500
2.73%
▼ 0.04% below national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.04% below avg
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 48 Month
$500
2.73%
▼ 0.04% below national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.04% below avg
Details
Bar Harbor SLA
Institution Rating:
A-4.9 ★Texas Ratio: 15.99%
103 Main St, Bar Harbor, ME 04609
48 MONTH CD
$500
2.58%
▼ 0.19% below national avg
▼
Rate2.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.19% below avg
Details
An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685.
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
977 Union St, Bangor, ME 04401
48 Month Share Certificates
$0
2.50%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.27% below avg
Details
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Portsmouth Naval Shipyard, Kittery, ME 03904
48 Month Share Certificate
$0
2.50%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.27% below avg
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
4 Year CD
$500
2.00%
▼ 0.77% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.77% below avg
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
48 Month Certificate of Deposit
$500
2.00%
▼ 0.77% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.77% below avg
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
48 Month IRA Certificate
$500
2.00%
▼ 0.77% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.77% below avg
Details
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
582 Main St, Rockland, ME 04841
RSB 4-Year Certificate
$500
1.25%
▼ 1.52% below national avg
▼
Rate1.23%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 1.52% below avg
Details
Maine 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 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 Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
60 Month IRA Certificates
$500
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
73 Main St, Dexter, ME 04930
60 Month Share Certificates
$500
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
420 Brunswick Ave, Gardiner, ME 04345 2836
60 Month IRA Certificate
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.03% above avg
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
5 Year Jumbo Certificates
$0
3.82%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.98% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
60 Month Term
$0
3.72%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.88% above avg
Details
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
94 HIGHLAND AVE, WINTHROP, ME 04364
60 Month Certificate
$500
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.87% above avg
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
1000 Lisbon St, Lewiston, ME 04240 5721
60 Month Term
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.77% above avg
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
85 Civic Center Drive, AUGUSTA, ME 04330
60 Month Share & IRA Certificates
$2,000
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.77% above avg
Details
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
312 Main St, Saco, ME 04072 1515
60 months Certificate
$500
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.77% above avg
Details
Balance: $50,000.00 and above
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.25%
23 Industrial Park Rd, Saco, ME 04072 1804
60 Month Share Certificate
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.77% above avg
Details
APY**
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificate - 60 month
$500
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.72% above avg
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1000 Central St, Millinocket, ME 04462 2101
Share Certificate - 60 month
$500
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.72% above avg
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
316 W River RD, Augusta, ME 04330 3992
5 Year HSA Share Certificate of Deposit
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details
Share, IRA & HSA Certificates of Deposit
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.72%
144 Pine St, Lewiston, ME 04240
5 Year Certificates
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.72% above avg
Details
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
312 Main St, Saco, ME 04072 1515
60 months Certificate
$500
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.72% above avg
Details
Balance: $500.00 - $49,999.99
CASCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
375 Main St, Gorham, ME 04038 1336
60 Month Certificates
$500
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.67% above avg
Details
Rates are accurate as of 04/08/2026.
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%
▲ 0.66% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Maine Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
101 Western Ave, Hampden, ME 04444
5 Year Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
60 Month Business Saver Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
225 Riverside St, Portland, ME 04103 1038
60 Month IRA Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
IRA Certificates - 5 Years
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
776 Main St, Presque Isle, ME 04769
Share Certificates - 5 Years
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.61% above avg
Details
Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
34 Bates St, Lewiston, ME 04240 7606
5 Year IRA & Share Certificates of Deposit
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.45% above avg
Details
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
831 Middle St, Bath, ME 04530 2401
5 Year IRA Certificates
$0
3.28%
▲ 0.44% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.44% above avg
Details
5 Year
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
831 Middle St, Bath, ME 04530 2401
5 Year Share Certificates
$0
3.28%
▲ 0.44% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.44% above avg
Details
5 Year
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
325 Lisbon St, Lisbon, ME 04250 6865
60 Month Certificate
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details
Balance: $1,000 Minimum
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
5 Year CERTIFICATE ACCOUNTS
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details
Effective Date: Sunday, September 20th, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
333 Cottage Rd, South Portland, ME 04106 3919
5 Year IRA Certificate
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details
Fixed
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
60 Month Bump Certificates
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
IRA eligible.
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2 Middle Rd, Sabattus, ME 04280
5 Year IRA Share Certificate
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
23 Third Ave, Baileyville, ME 04694
5 Year Share Certificate & IRA Certificate
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
5 Year IRA/Roth IRA Certificate
$500
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.31% above avg
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
200 Capitol St, Augusta, ME 04330 6238
5 Year Share Certificate
$500
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.31% above avg
Details
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
60 Month Bump Certificates
$500
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.30% above avg
Details
IRA eligible.
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
50 Riverside Industrial Pkwy, Portland, ME 04103
60 Month Share Certificates
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.30% above avg
Details
IRA eligible.
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
60 Month Share Certificates
$1,000
3.09%
▲ 0.25% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.25% above avg
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
61 Grove St, Waterville, ME 04901
IRA Share Certificates 60 months
$1,000
3.09%
▲ 0.25% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.25% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
145 Main St, Biddeford, ME 04005
60 Month Certificate
$500
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.16% above avg
Details
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.
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
60 Month IRA Share Certificates
$0
2.84%
At national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%At the average
Details
Dividends Compounded: daily
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
485 WILTON RD, FARMINGTON, ME 04938
60 Month Share Certificates
$0
2.84%
At national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%At the average
Details
Dividends Compounded: daily
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
2 Ledgeview Dr, Westbrook, ME 04092 3939
60 Month Certificates
$0
2.80%
▼ 0.04% below national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.04% below avg
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
60 Month Certificate
$500
2.78%
▼ 0.06% below national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.06% below avg
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
557 Main St, South Portland, ME 04106 5408
IRA Certificate - 60 Month
$500
2.78%
▼ 0.06% below national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.06% below avg
Details
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Portsmouth Naval Shipyard, Kittery, ME 03904
60 Month Share Certificate
$0
2.55%
▼ 0.29% below national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.29% below avg
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
977 Union St, Bangor, ME 04401
60 Month Share Certificates
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.34% below avg
Details
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
104 Main St, Kennebunk, ME 04043
60 Month Certificate
$0
2.02%
▼ 0.82% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.82% below avg
Details
Bar Harbor SLA
Institution Rating:
A-4.9 ★Texas Ratio: 15.99%
103 Main St, Bar Harbor, ME 04609
60 MONTH CD
$500
2.01%
▼ 0.83% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.83% below avg
Details
An early withdrawal penalty may apply and reduce earnings. All quoted interest rates are subject to change without notice. For current rates, please call 207-288-3685.
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
30 Lisbon St, Lewiston, ME 04240
5 Year CD
$500
2.00%
▼ 0.84% below national avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.84% below avg
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
60 Month Certificate of Deposit
$500
2.00%
▼ 0.84% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.84% below avg
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
100 Minot Ave, Auburn, ME 04210
60 Month IRA Certificate
$500
2.00%
▼ 0.84% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.84% below avg
Details
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD ME Avg
2.952%
▲ 0.030 vs 7 days ago
Maine 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD ME Avg
2.767%
▲ 0.021 vs 7 days ago
Maine 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
ME CD Rate Forecast, Next 12 Months
Where are Maine CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
ME 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
Powered by
MonitorBankRates
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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
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.
| Rung | Term | Deposit | ME Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
515
CD Rates
Tracked in Maine
Tracked in Maine
21 Banks
32 Credit Unions
About Our Maine CD Rate Database
MonitorBankRates tracks 515 CD rates from 21 banks and 32 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 (1–5), 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: Northeast Bank Portland, ME offers a CD at 4.25% APY with a minimum deposit of $0. 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 32 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: 53 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
$131/yr
At ME 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,448/year) and putting it in a CD would earn an additional $131 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 (90–180 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, Northeast Bank Portland, ME is offering its Propel Relationship CDs - 6-Month CD at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Maine Highlands Federal Credit Union is offering its 60 Month IRA Certificates at 4.07% 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:
- Northeast Bank Portland, ME: 4.25% APY (Propel Relationship CDs - 1 Year CD)
- Empeople Credit Union: 4.25% APY (12 Month Certificate)
- Androscoggin Savings Bank: 4.23% APY (18 Month Variable Rate IRA CD)
- Maine Highlands Federal Credit Union: 4.07% APY (48 Month IRA Certificates)
- Evergreen Credit Union Portland, ME: 4.05% APY (6 Month Business Saver Certificate)
- Aroostook County FS&L Assoc.: 4.00% APY (12 Month Certificate of Deposit)
- Trademark Federal Credit Union: 4.00% APY (2-Year Share Certificate)
- TruChoice Federal Credit Union: 4.00% APY (12 Month Share Certificate)
- Lighthouse Credit Union: 4.00% APY (12 Month Share Certificate)
- Downeast Credit Union: 4.00% APY (6 Month Share Certificate & IRA Certificate)
Rates reflect recent verified offers available in Maine. Last Updated: September 21, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Maine
Maine CD Calculator
At today’s ME top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Maine CD LadderME CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Maine CD at 4.25% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMaine’s average 12-month CD is 2.952% 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: September 21, 2026
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