CD Rates Calais, Maine (ME) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Calais, Maine CD rates include Downeast Credit UnionDowneast Credit Union254 North St, Calais, ME 04619 1620A+5.0 ★Texas Ratio: 4.39%Real return: +1.20%APY minus CPI (February 2026) offering 6-Month CD at 4.00% APY, Camden National BankCamden National Bank344 Main St, Calais, ME 04619A+5.0 ★Texas Ratio: 0.98%Real return: +0.55%APY minus CPI (February 2026) offering 6-Month CD* at 3.35% APY, Bangor Savings BankBangor Savings Bank232 North St, Calais, ME 04619A+5.0 ★Texas Ratio: 2.55%Real return: -0.27%APY minus CPI (February 2026) offering 3 Month Certificate Benefit Plus? Customers at 2.53% APY, Katahdin Federal Credit UnionKatahdin Federal Credit UnionA+5.0 ★Texas Ratio: 4.12%Real return: +1.17%APY minus CPI (February 2026) offering IRA Certificates 12 month at 3.97% APY, and Northeast Bank Portland, MENortheast Bank Portland, MEA+5.0 ★Texas Ratio: 5.60%Real return: +1.15%APY minus CPI (February 2026) offering 6-Month CD at 3.95% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Calais has 21 local institutions in our database, with CD rates as high as 4.00% APY from Downeast Credit Union at 254 North St, Calais, ME 04619 1620. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Maine area. 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: April 12, 2026
Compare Best CD Rates in Calais, Maine & the Surrounding Area
not available for IRAs
$150,000.00 or more
This CD special is available to customers with a Relationship Rewards Checking account with Bar Harbor Bank & Trust.
CD Only
Benefit Plus? Customers
$150,000.00 or more
Relationship APY
allows add'l ($500 minimum) deposits
Relationship APY
$150,000.00 or more
$150,000.00 or more
$150,000.00 or more
$50,000.00 to $149,999.99 APY*
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Calais, ME CD Rate Trends
Compare local Calais, ME 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.
Maine 12-month CD rates fell 1.281 points over the past 7 days to 1.951% APY.
Maine 6-month CD rates fell 1.403 points over the past 7 days to 1.956% APY.
ME CD Rate Forecast — Next 12 Months
Where are Maine CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.743% | $87.14 | $174.27 | $435.68 | $871.35 |
| 6-Month CD | 1.956% | $97.81 | $195.61 | $489.03 | $978.05 |
| 12-Month CD | 1.951% | $97.54 | $195.07 | $487.68 | $975.35 |
| 18-Month CD | 1.506% | $75.32 | $150.64 | $376.60 | $753.20 |
| 24-Month CD | 1.584% | $79.19 | $158.38 | $395.95 | $791.90 |
| 36-Month CD | 1.575% | $78.77 | $157.53 | $393.83 | $787.65 |
| 48-Month CD | 1.653% | $82.63 | $165.25 | $413.13 | $826.25 |
| 60-Month CD | 1.689% | $84.47 | $168.93 | $422.33 | $844.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Calais, Maine Savers
$25,000 split equally across 5 terms using today’s Maine average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | ME Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.743% | $87.14 |
| 2 | 6-Month CD | $5,000 | 1.956% | $97.81 |
| 3 | 12-Month CD | $5,000 | 1.951% | $97.54 |
| 4 | 24-Month CD | $5,000 | 1.584% | $79.19 |
| 5 | 36-Month CD | $5,000 | 1.575% | $78.77 |
| Total ($25,000 invested) | $25,000 | 1.762% blended | $440.45/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.
in Calais, Maine
About Our Calais, Maine CD Rate Database
MonitorBankRates tracks CD rates from 16 banks and 15 credit unions with locations in Calais, 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: Downeast Credit Union offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Calais, Maine.
How to Find the Best CD Rates in Calais, Maine
What to compare when shopping for a CD in Calais, Maine
To find the best APYs in Calais, Maine, start with credit unions and online-only banks — Calais, Maine has 15 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 Calais, 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 Calais, Maine — 31 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Calais, Maine savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Calais, Maine money market rates
Calais, Maine Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
24.1% 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 1.951%, saving 10% of the local median salary ($3,413/year) and putting it in a CD would earn an additional $67 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 Calais, 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 |
Frequently Asked Questions about CD Rates in Calais, Maine
Are CD rates in Calais, Maine FDIC insured?
Do I have to pay state taxes on CD interest in Calais, Maine?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Calais, Maine?
- Downeast Credit Union: 4.00% APY (6-Month CD)
- Camden National Bank: 3.35% APY (6-Month CD*)
- Bangor Savings Bank: 2.53% APY (3 Month Certificate Benefit Plus? Customers)
- Katahdin Federal Credit Union: 3.97% APY (IRA Certificates 12 month)
- Northeast Bank Portland, ME: 3.95% APY (6-Month CD)
- Gardiner Federal Credit Union: 3.87% APY (Individual Retirement Account (IRA) Certificates & Share Certificates 48 Month)
- Cumberland County Federal Credit Union: 3.87% APY (Regular Share Certificate Account 12 Month)
- KV Federal Credit Union: 3.87% APY (2 Year Share, IRA & HSA Certificates of Deposit)
- Androscoggin Savings Bank: 3.84% APY (18 Month Variable Rate IRA CD)
- Town & Country Federal Credit Union: 3.82% APY (24 Month Certificate)
CD Calculators for Calais, Maine
At today’s ME top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Calais, Maine CD LadderME CD rates currently range from 1.743% (3-month) to 1.575% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Calais, Maine CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMaine’s average 12-month CD is 1.951% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Calais, 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 pulling data straight 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 Calais, 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.
