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Maine CD Rates Today - Compare Best APYs for June 2026

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Brian McKay Brian McKay
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: June 1, 2026

Current Maine CD rates include Maine Highlands Federal Credit UnionMaine Highlands Federal Credit Union73 Main St, Dexter, ME 04930A5.0 ★Texas Ratio: 12.65%Real return: +1.27%APY minus CPI (February 2026) offering IRA Certificates 48 Months at 4.07% APY, Lighthouse Credit UnionLighthouse Credit Union1 Pool St, Biddeford, ME 04005 2616A+5.0 ★Texas Ratio: 1.59%Real return: +1.20%APY minus CPI (February 2026) offering 12-Months Share Certificate at 4.00% APY, Downeast Credit UnionDowneast Credit Union23 Third Ave, Baileyville, ME 04694A+5.0 ★Texas Ratio: 4.02%Real return: +1.20%APY minus CPI (February 2026) offering 6-Month CD at 4.00% APY, Northeast Bank Portland, MENortheast Bank Portland, ME27 Pearl St, Portland, ME 04101A+5.0 ★Texas Ratio: 5.60%Real return: +1.15%APY minus CPI (February 2026) offering 6-Month CD at 3.95% APY, and Milestones Federal Credit UnionMilestones Federal Credit Union291 Pine St, Lewiston, ME 04240A+5.0 ★Texas Ratio: 3.93%Real return: +1.12%APY minus CPI (February 2026) offering 6 Months Share Certificates / IRA Certificates at 3.92% APY. CD rates as of June 1, 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 4.07% APY from Maine Highlands Federal Credit Union at 73 Main St, Dexter, ME 04930. Rates are continually updated — 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: June 1, 2026

Compare Best CD Rates in Maine

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Maine 3 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 3 Month Special
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
3-Month Share Certificates IRAs
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
IRA/Roth IRA Share Certificates 3-Month
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 3 Month
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium Certificate 3 Months
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium IRA Certificate 3 Months
$0
2.89%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 3 Months
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Business Certificate 3 Months
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Certificate 3 Months
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
HSA Certificate 3 Months
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
IRA Certificate 3 Months
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates 3 Months
$500
2.68%
View
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
3 Month Benefit Plus? Customers
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
3 Month
$0
2.28%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
3 Month CD
$500
2.25%
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details

not available for IRAs

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
90 Day Certificate of Deposit
$1,000
2.02%
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
3 Mo. Share Certificate
$100
1.65%
View
▼
Rate1.64%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 3 Months
$500
1.51%
View
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
3 Month
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details

Relationship APY

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
3 Month Certificate
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
IRA Certificate 3 Month
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
3 Months Certificate of Deposit
$500
0.81%
View
▼
Rate0.80%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
90-Day CD
$500
0.05%
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details

Maine 6 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
23 Third Ave, Baileyville, ME 04694
6-Month CD
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 6 month
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
6-Month CD
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
291 Pine St, Lewiston, ME 04240
6 Months Share Certificates / IRA Certificates
$500
3.92%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 6 Month
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
6 months
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

1

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 6 months
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Share Certificates - Personal & Business 6 months
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

1

Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Biddeford, ME 04005 2616
6-Months Share Certificate
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 6 Months
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
6 Months Certificate
$500
3.71%
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 6 Months
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
IRA Certificates 6 Months
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
339 Hogan Rd, Bangor, ME 04401 4205
6-Month & 1-Year Share Certificates
$0
3.66%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 6 Months
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
6 Month Certificate
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
6-Month Certificate
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
6-Month Share Certificates IRAs
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
IRA/Roth IRA Share Certificates 6-Month
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
6 Month Share, IRA & HSA Certificates of Deposit
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate Share Certificates 6 Month Term
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium Certificate 6 Months
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium IRA Certificate 6 Months
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
6 Months Certificate of Deposit
$500
3.50%
View
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
6 Months Certificates
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
6 Months Share Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 6 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
IRA Certificate 6 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
HSA Certificate 6 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Certificate 6 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Business Certificate 6 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
44 Edison Dr, Augusta, ME 04330 6033
6 Month Share Certificate or IRA Certificate
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
6 Month CD
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
6-Month CD*
$1,000
3.35%
View
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
UpdatedMay 28, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
6 months Share Certificates
$0
3.31%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificates 6 months
$0
3.31%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 6 Months
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
977 Union St, Bangor, ME 04401
6 Months Share Certificates
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
6 month Certificate
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

not available for IRA

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
6 Month CD
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
6 Mo. IRA Certificate
$500
3.15%
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
6 Mo. Share Certificate
$500
3.15%
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
6 Mo. Share or IRA Certificate
$500
3.15%
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
IRA Certificate 6 Month
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
6 Month Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
150 State St, Augusta, ME 04330
6 Month CD
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

CD Only

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 6 Months
$500
2.83%
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates 6 Months
$500
2.73%
View
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 6 Months
$500
2.53%
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
6 Month Compounded Certificate of Deposit
$10,000
2.53%
View
▼
Rate2.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 29, 2026
Details

Maine 12 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Biddeford, ME 04005 2616
12-Months Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
12 Months Certificate of Deposit
$500
3.85%
View
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
1 Year CD
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
12 months Share Certificates
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificates 12 months
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
12 Month Share, IRA & HSA Certificates of Deposit
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 12 Months
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 12 Months
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Variable-Rate IRA Share Certificates 12 Month Term
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 12 Month
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
12 Month *SPECIAL* Certificate
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
IRA Certificate 12 Month
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 12 Months
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
12 Months Certificate
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
IRA Certificate 12 Months
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 12 Month Term
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
44 Edison Dr, Augusta, ME 04330 6033
1 Year Share Certificate or IRA Certificate
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate Share Certificates 12 Month Term
$0
3.75%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
IRA/Roth IRA Share Certificates 1-Year
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 1 year
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
1-Year Share Certificates IRAs
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
EASY IRA Share Certificate 12 Month Fixed Rate
$1,000
3.72%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates 12 Month Term
$1,000
3.72%
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
12 months
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

2

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 12 months
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Share Certificates - Personal & Business 12 months
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

2

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 1 Year
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
IRA Certificates 1 Year
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Ultimate Insured Share Certificate - 12 Mo.
$250,000
3.60%
View
▼
Rate3.54%
Min Deposit$250,000
Min Balance—
UpdatedMay 20, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium Certificate 12 Months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium IRA Certificate 12 Months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
291 Pine St, Lewiston, ME 04240
12 Months Share Certificates / IRA Certificates
$500
3.56%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
1 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
IRA 1 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
IRA Certificate 12 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Certificate 12 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
HSA Certificate 12 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
12 Months Certificates
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Business Certificate 12 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
12 Months Share Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 12 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Certificate of Deposit 12 Months
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
HSA Certificate 12 Months
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
IRA Certificate 12 Months
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
1 year Certificate
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
1 Year CD
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
1 Year IRA Certificate
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
1 Year Share Certificate
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
1 Year Share or IRA Certificate
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
150 State St, Augusta, ME 04330
1 Year
$500
3.05%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

Maine 18 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
18 Month Variable Rate IRA CD
$500
3.84%
View
▼
Rate3.77%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
18 Month Share, IRA & HSA Certificates of Deposit
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
18 Month *SPECIAL* Certificate
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
IRA Certificate 18 Month
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
18 Months Certificate of Deposit
$500
3.80%
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
18 Month Share Certificates
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
18-Month Share Certificates IRAs
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
IRA/Roth IRA Share Certificates 18-Month
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
78 Fox St, Madawaska, ME 04756
Share Certificate Account 18 Mos
$1,000
3.68%
View
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details

Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Variable-Rate IRA Share Certificates 18 Month Term
$25
3.67%
View
▼
Rate3.60%
Min Deposit$25
Min Balance—
UpdatedMay 29, 2026
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
18 month Certificate
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium Certificate 18 Months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium IRA Certificate 18 Months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate Share Certificates 18 Month Term
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
18 Months Certificate
$500
3.51%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
IRA Certificate 18 Months
$500
3.51%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
IRA Certificate 18 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
291 Pine St, Lewiston, ME 04240
18 Months Share Certificates / IRA Certificates
$500
3.45%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 18 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
HSA Certificate 18 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Certificate 18 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Business Certificate 18 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
18 months Share Certificates
$0
3.36%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificates 18 months
$0
3.36%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Biddeford, ME 04005 2616
18-Months Share Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
18 Mo. Rippling Waves IRA Certificate
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

allows add'l ($500 minimum) deposits

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
18 Mo. Rippling Waves Share Certificate
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

allows add'l ($500 minimum) deposits

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
18 Mo. Rippling Waves Share or IRA Certificate
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

allows add'l ($500 minimum) deposits

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
55 Cushing ST, Brunswick, ME 04011
18 Mo. Rippling Waves Share or IRA Certificate - allows add'l minimum) deposits
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

$500

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 18 Months
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
18 Month CD
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 18 Months
$500
2.99%
View
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates 18 Months
$500
2.89%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Liquid Certificates 18 Months
$5,000
2.84%
View
▼
Rate2.80%
Min Deposit$5,000
Min Balance—
UpdatedMay 18, 2026
Details

Includes one penalty-free withdrawal per quarter.

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
977 Union St, Bangor, ME 04401
18 Months Share Certificates
$0
2.75%
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
18 Month CD
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
18 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details

$250.00 - $9,999.99; Relationship APY

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
18 Month Benefit Plus? Customers
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
18 Month
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Katahdin Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
11 Main St, Patten, ME 04765
18 month variable rate IRA/SEP CDs & IRAs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Basic CDs/IRAs 18 Months Variable
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
18-Month CD/IRA
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details

Maine 24 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
2 Year Share, IRA & HSA Certificates of Deposit
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 24 Month
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
24 Month *SPECIAL* Certificate
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
IRA Certificate 24 Month
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
24 Months Certificate of Deposit
$500
3.75%
View
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 2 Years
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Biddeford, ME 04005 2616
Variable Rate Certificates 24-Months
$0
3.70%
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
78 Fox St, Madawaska, ME 04756
Share Certificate Account 24 Mos
$1,000
3.65%
View
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details

Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Variable-Rate IRA Share Certificates 24 Month Term
$500
3.61%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 24 Month Term
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium Certificate 24 Months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium IRA Certificate 24 Months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 3, 6, 9, 15,18, 24 Months
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates 24 Month Term
$1,000
3.51%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate Share Certificates 24 Month Term
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
24 Months Certificate
$500
3.51%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
IRA Certificate 24 Months
$500
3.51%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 24 Months
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
IRA 2 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
2 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
24 months Share Certificates
$0
3.46%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificates 24 months
$0
3.46%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 24 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
IRA Certificates 2 Years
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
IRA Certificate 24 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
HSA Certificate 24 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Certificate 24 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Business Certificate 24 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
2 Years Share Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
2 Years Certificates
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
IRA/Roth IRA Share Certificates 2-Year
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
2-Year Share Certificates IRAs
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
44 Edison Dr, Augusta, ME 04330 6033
2 Year Share Certificate or IRA Certificate
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 2 year
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
291 Pine St, Lewiston, ME 04240
24 Months Share Certificates / IRA Certificates
$500
3.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 24 Months
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
2 year Certificate
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Biddeford, ME 04005 2616
24-Months Share Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
2 Year CD
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
24 months
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

3

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 24 months
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Share Certificates - Personal & Business 24 months
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

3

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 2 Years
$0
3.05%
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 24 Months
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
24 Month CD
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
24 Months Elevate Account Bump Rate Certificates
$500
2.94%
View
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
24 Months Save Up Certificates Elevate Account
$0
2.94%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates 24 Months
$500
2.94%
View
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
24 Months Bump Rate Certificates
$500
2.84%
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
24 Months Save Up Certificates
$0
2.84%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Maine 36 Month CD Rates

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
36 Months Certificate of Deposit
$500
3.90%
View
▼
Rate3.77%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

90th Anniversary Special

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 36 Month
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 3 Years
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 36 Months
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 36 Month Term
$0
3.67%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 36 Months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
3 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 36 Months
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 36 Months
$500
3.56%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates 36 Month Term
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate Share Certificates 36 Month Term
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium Certificate 36 Months
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium IRA Certificate 36 Months
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
IRA 3 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
3 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
44 Edison Dr, Augusta, ME 04330 6033
3 Year Share Certificate or IRA Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
3 Years Certificates
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
3 Years Share Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Business Certificate 36 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Certificate 36 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
HSA Certificate 36 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
IRA Certificate 36 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
36 Months Certificate
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
IRA Certificate 36 Months
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
291 Pine St, Lewiston, ME 04240
36 Months Share Certificates / IRA Certificates
$500
3.30%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 36 months
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 3 year
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Share Certificates - Personal & Business 36 months
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

4

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
36 months
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

4

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
IRA/Roth IRA Share Certificates 3-Year
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
3-Year Share Certificates IRAs
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
3 year Certificate
$500
3.15%
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 36 Months
$500
3.14%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 3 Years
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
IRA Certificates 3 Years
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 36 months
$0
3.09%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
36 months Share Certificates
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificates 36 months
$0
3.05%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
36 Months Elevate Account Bump Rate Certificates
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates 36 Months
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 36 months
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Biddeford, ME 04005 2616
36-Months Share Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
36 Months Bump Rate Certificates
$500
2.94%
View
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
36 Month CD
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
36 Month Certificate
$500
2.68%
View
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
IRA Certificate 36 Month
$500
2.68%
View
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Super Saver Share Certificates 36 Months
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Minimum Balance to open: $500.00

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
3 Year CD
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
977 Union St, Bangor, ME 04401
36 Months Share Certificates
$0
1.30%
View
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
36 Month Benefit Plus? Customers
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Maine 48 Month CD Rates

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: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 48 Months
$500
4.07%
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 48 Month
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 4 Years
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 48 Months
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 48 Month Term
$0
3.72%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 48 Months
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details

Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 48 Months
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates 48 Month Term
$1,000
3.61%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate Share Certificates 48 Month Term
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
4 Years Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
4 Years Share Certificate
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
4 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium IRA Certificate 48 Months
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium Certificate 48 Months
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
48 Months Certificate of Deposit
$500
3.50%
View
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
4 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
IRA 4 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 48 months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Business Certificate 48 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Certificate 48 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
HSA Certificate 48 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
IRA Certificate 48 Months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
48 Months Certificate
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
IRA Certificate 48 Months
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
IRA Certificates 4 Years
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 48 months
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Share Certificates - Personal & Business 48 months
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

4

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 48 months
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
48 months
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

4

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
291 Pine St, Lewiston, ME 04240
48 Months Share Certificates / IRA Certificates
$500
3.30%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
4-Year Share Certificates IRAs
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
IRA/Roth IRA Share Certificates 4-Year
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 4 year
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 48 Months
$500
3.19%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 4 Years
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
48 Months Elevate Account Bump Rate Certificates
$500
3.14%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
4 year Certificate
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates 48 Months
$500
3.09%
View
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
48 Months Bump Rate Certificates
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
48 Month CD
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
48 Month Certificate
$500
2.73%
View
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
IRA Certificate 48 Month
$500
2.73%
View
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Biddeford, ME 04005 2616
48-Months Share Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
4 Year CD
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
977 Union St, Bangor, ME 04401
48 Months Share Certificates
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
48 Month Benefit Plus? Customers
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
150 State St, Augusta, ME 04330
4 Year
$500
0.95%
View
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
48 Month
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Premium CDs / IRAs 4 Years
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Basic CDs/IRAs 4 Years
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Maine 60 Month CD Rates

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: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 60 Months
$500
4.07%
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 60 Months
$500
4.07%
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 60 Month
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 5 Years
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
60 Month CD
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 60 Month Term
$0
3.72%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 60 Months
$0
3.71%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details

Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 60 Months
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 60 months
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate IRA Share Certificates 60 Month Term
$1,000
3.61%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Fixed-Rate Share Certificates 60 Month Term
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium Certificate 60 Months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
5 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Premium IRA Certificate 60 Months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 60 months
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
5 Years Share Certificate
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
5 Years Certificates
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
44 Edison Dr, Augusta, ME 04330 6033
5 Year Share Certificate or IRA Certificate
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
60 Months Certificate
$500
3.51%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
IRA Certificate 60 Months
$500
3.51%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 1, 2026
Details

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
60 Months Certificate of Deposit
$500
3.50%
View
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
5 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
555 Sabattus St, Lewiston, ME 04240
IRA 5 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Business Certificate 60 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
Certificate 60 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
HSA Certificate 60 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
177 Main St, Bucksport, ME 04416
IRA Certificate 60 Months
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
60 months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

4

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 60 months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Share Certificates - Personal & Business 60 months
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

4

Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
291 Pine St, Lewiston, ME 04240
60 Months Share Certificates / IRA Certificates
$500
3.30%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
60 Months Elevate Account Bump Rate Certificates
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.

Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 5 year
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 5 Years
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
333 Cottage Rd, South Portland, ME 04106 3919
IRA Certificates 5 Years
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 60 Months
$500
3.24%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
5-Year Share Certificates IRAs
$500
3.15%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
200 Capitol St, Augusta, ME 04330 6238
IRA/Roth IRA Share Certificates 5-Year
$500
3.15%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
60 Months Bump Rate Certificates
$500
3.14%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Share Certificates 60 Months
$500
3.14%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details

IRA eligible.

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
5 year Certificate
$500
3.10%
View
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
60 months Share Certificates
$0
2.84%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificates 60 months
$0
2.84%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
60 Month Certificate
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
IRA Certificate 60 Month
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details

Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1 Pool St, Biddeford, ME 04005 2616
60-Months Share Certificate
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
5 Year CD
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 28, 2026
Details

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
977 Union St, Bangor, ME 04401
60 Months Share Certificates
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details

Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Premium CDs / IRAs 5 Years
$0
1.11%
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
60 Month Benefit Plus? Customers
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Maine Institutions

Highest verified APYs available today — updated June 1, 2026

B Top 5 Bank Rates
Northeast Bank Portland, ME
6-Month CD
A+ 5.0 ★ TX: 5.60%
Min: $0
3.95%
Aroostook County FS&L Assoc.
36 Months Certificate of Deposit
A+ 5.0 ★ TX: 1.78%
Min: $500
3.90%
Androscoggin Savings Bank
18 Month Variable Rate IRA CD
A+ 5.0 ★ TX: 2.03%
Min: $500
3.84%
WINTHROP AREA
Share and IRA Certificates 12 Months
A+ 5.0 ★ TX: 1.74%
Min: $0
3.82%
Saco & Biddeford Savings
60 Month CD
A+ 5.0 ★ TX: 4.27%
Min: $0
3.75%
CU Top 5 Credit Union Rates
Maine Highlands Federal Credit Union
IRA Certificates 48 Months
A 5.0 ★ TX: 12.65%
Min: $500
4.07%
Lighthouse Credit Union
12-Months Share Certificate
A+ 5.0 ★ TX: 1.59%
Min: $0
4.00%
Downeast Credit Union
6-Month CD
A+ 5.0 ★ TX: 4.02%
Min: $0
4.00%
Milestones Federal Credit Union
6 Months Share Certificates / IRA Certificates
A+ 5.0 ★ TX: 3.93%
Min: $500
3.92%
KV Federal Credit Union
2 Year Share, IRA & HSA Certificates of Deposit
A+ 5.0 ★ TX: 0.81%
Min: $0
3.87%
Rates verified June 1, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Maine CD Rate Trends

Compare local Maine CD rate quotes against the statewide average

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

View Full Maine CD Trends →
12-Month CD — ME Avg
2.071%
Unchanged vs 7 days ago

Maine 12-month CD rates currently average 2.071% APY based on data from institutions in our monitoring network.

6-Month CD — ME Avg
2.074%
Unchanged vs 7 days ago

Maine 6-month CD rates currently average 2.074% APY based on data from institutions in our monitoring network.

As of Jun 3, 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 June 2027?

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

ME 12-Month Avg APY
2.071%
6-Month Forecast
2.071%
Range: 1.87% – 2.22%
12-Month Forecast
1.821%
Range: 1.62% – 1.97%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Maine average 12-month CD APY in our database.

Spread model: The Maine 12-month CD average currently trades 2.30% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

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 1.524% $76.20 $152.39 $380.98 $761.95
6-Month CD 2.074% $103.71 $207.41 $518.53 $1,037.05
12-Month CD 2.071% $103.53 $207.05 $517.63 $1,035.25
18-Month CD 1.649% $82.44 $164.87 $412.18 $824.35
24-Month CD 1.627% $81.33 $162.66 $406.65 $813.30
36-Month CD 1.617% $80.87 $161.74 $404.35 $808.70
48-Month CD 1.723% $86.17 $172.34 $430.85 $861.70
60-Month CD 1.659% $82.97 $165.94 $414.85 $829.70
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 1, 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.

Build Your Ladder →
Rung Term Deposit ME Avg APY Annual Earnings
1 3-Month CD $5,000 1.524% $76.20
2 6-Month CD $5,000 2.074% $103.71
3 12-Month CD $5,000 2.071% $103.53
4 24-Month CD $5,000 1.627% $81.33
5 36-Month CD $5,000 1.617% $80.87
Total ($25,000 invested) $25,000 1.783% blended $445.64/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.

360
CD Rates
Tracked in Maine
14 Banks 25 Credit Unions

About Our Maine CD Rate Database

MonitorBankRates tracks 360 CD rates from 14 banks and 25 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: Maine Highlands Federal Credit Union offers a CD at 4.07% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Maine.

How to Find the Best CD Rates in Maine

What to compare when shopping for a CD in Maine

To find the best APYs in Maine, start with credit unions and online-only banks — Maine has 25 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 — 39 institutions here report CD rates

Consider an Alternative If…

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
$92/yr
At ME 12-mo avg 2.071% 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 2.071%, saving 10% of the local median salary ($4,448/year) and putting it in a CD would earn an additional $92 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, Downeast Credit Union is offering its 6-Month CD at 4.00% 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 Share Certificates 60 Months 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:
  • Maine Highlands Federal Credit Union: 4.07% APY (IRA Certificates 48 Months)
  • Lighthouse Credit Union: 4.00% APY (12-Months Share Certificate)
  • Downeast Credit Union: 4.00% APY (6-Month CD)
  • Northeast Bank Portland, ME: 3.95% APY (6-Month CD)
  • Milestones Federal Credit Union: 3.92% APY (6 Months Share Certificates / IRA Certificates)
  • Aroostook County FS&L Assoc.: 3.90% APY (36 Months Certificate of Deposit)
  • KV Federal Credit Union: 3.87% APY (2 Year Share, IRA & HSA Certificates of Deposit)
  • Gardiner Federal Credit Union: 3.87% APY (Individual Retirement Account (IRA) Certificates & Share Certificates 24 Month)
  • Androscoggin Savings Bank: 3.84% APY (18 Month Variable Rate IRA CD)
  • Central Maine Federal Credit Union: 3.82% APY (Variable-Rate IRA Share Certificates 12 Month Term)
Rates reflect recent verified offers available in Maine. Last Updated: June 1, 2026

CD Calculators for Maine

Maine CD Calculator

At today’s ME top rate of 4.07% APY, a $10,000 deposit earns $407 in the first year. Enter your amount to see your exact return.

Maine CD Ladder

ME CD rates currently range from 1.524% (3-month) to 1.617% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Maine CD at 4.07% 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 Savings

Maine’s average 12-month CD is 2.071% 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: June 1, 2026

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