CD Rates Farmington, Maine (ME) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Farmington, Maine CD rates include Franklin Somerset Federal Credit UnionFranklin Somerset Federal Credit Union485 WILTON RD, FARMINGTON, ME 04938A+5.0 ★Texas Ratio: 2.31%Real return: +1.02%APY minus CPI (February 2026) offering Share Certificates 12 months at 3.82% APY, University Credit Union Orono, MEUniversity Credit Union Orono, ME154 High St, Farmington, ME 04938 1930A+5.0 ★Texas Ratio: 4.10%Real return: +0.50%APY minus CPI (February 2026) offering 6 Months Share Certificates at 3.30% APY, Skowhegan Savings BankSkowhegan Savings Bank255 Wilton Rd, Farmington, ME 04938A+5.0 ★Texas Ratio: 1.27%Real return: -1.50%APY minus CPI (February 2026) offering 18 Month IRA Special at 1.30% APY, TD BankTD Bank163 Broadway, Farmington, ME 04938A5.0 ★Texas Ratio: 6.30%Real return: -1.80%APY minus CPI (February 2026) offering 18 Month IRA Certificates at 1.00% APY, and Bangor Savings BankBangor Savings Bank177 Main St, Farmington, ME 04938A+5.0 ★Texas Ratio: 2.55%Real return: -1.95%APY minus CPI (February 2026) offering 12 Month Certificate at 0.85% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.
Farmington has 23 local institutions in our database, with CD rates as high as 3.82% APY from Franklin Somerset Federal Credit Union at 485 WILTON RD, FARMINGTON, ME 04938. 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 21, 2026
Compare Best CD Rates in Farmington, Maine & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
IRA and Share Certificate 3 Month Special
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
3-Month Share Certificates IRAs
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Individual Retirement Account (IRA) Certificates & Share Certificates 3 Month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
Premium Certificate 3 Months
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
Elevate Account Share Certificates 3 Months
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
IRA eligible.
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
not available for IRAs
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
90 Day Certificate of Deposit
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Mo. Share Certificate
$100
1.75%
▼
Rate1.74%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
Share Certificates 3 Months
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
3 Month Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3 Months Certificate of Deposit
$500
0.81%
▼
Rate0.80%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 6 months
$0
3.31%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
154 High St, Farmington, ME 04938 1930
6 Months Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
255 Wilton Rd, Farmington, ME 04938
6 Month CD
$1,500
0.15%
▼
Rate0.15%
Min Deposit$1,500
Min Balance—
UpdatedApr 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
6-Month CD
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Months Share Certificates / IRA Certificates
$500
3.92%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Individual Retirement Account (IRA) Certificates & Share Certificates 6 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
Share Certificates - Personal & Business 6 months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
6 Month Share Certificate or IRA Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
IRA and Share Certificate 6 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
6 Months Certificate
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
Jumbo Certificates 6 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Certificate Account 6 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6-Month Share Certificates
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Month Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
6-Month Share Certificates IRAs
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6 Month Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Term Fixed-Rate Share Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
Premium Certificate 6 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6 Months Certificate of Deposit
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share and IRA Certificates 6 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rate3.29%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Share & IRA Certificates 6 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance to open: $2,000.00
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Mo. IRA Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
6 Month Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CD Only
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
Elevate Account Share Certificates 6 Months
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
IRA eligible.
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
Share Certificates 6 Months
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month Compounded Certificate of Deposit
$10,000
2.53%
▼
Rate2.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.25%
IRA Certificate 6 Mos
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Premium CDs / IRAs 6 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6-Month CD
$500
0.20%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 12 months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
154 High St, Farmington, ME 04938 1930
12 Months Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Relationship APY
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
12 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Benefit Plus? Customers
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
255 Wilton Rd, Farmington, ME 04938
1 Year CD
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share and IRA Certificates 12 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
12 Months Certificate of Deposit
$500
3.85%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Individual Retirement Account (IRA) Certificates & Share Certificates 12 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
IRA Certificates 12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
12 Month Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
12 Months Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Variable-Rate IRA Share Certificates 12 Month Term
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Share, IRA & HSA Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
1 Year Share Certificate or IRA Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
1-Year Share Certificates IRAs
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Share Certificate & IRA Certificate 1 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
Jumbo Certificates 12 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
IRA Certificates 12 months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1-Year Share Certificates
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Certificate Account 1 Year
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
Premium Certificate 12 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
12 Months Share Certificates / IRA Certificates
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Share & IRA Certificates 12 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance to open: $2,000.00
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
1 Year IRA Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1 Year Certificate of Deposit
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
12-Month CD**
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
Elevate Account Share Certificates 12 Months
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
IRA eligible.
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
IRA and Share Certificate 12 Months
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
1-Year CD
$500
0.35%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Premium CDs / IRAs 1 Year
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 18 months
$0
3.36%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
154 High St, Farmington, ME 04938 1930
18 Months Share Certificates
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
255 Wilton Rd, Farmington, ME 04938
18 Month IRA Special
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Relationship APY
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 Month Variable Rate IRA CD
$0
3.84%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
18 Month Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 Month Share, IRA & HSA Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
18 Months Certificate of Deposit
$500
3.80%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
18 Month Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.25%
IRA Certificate 18 Mos
$1,000
3.68%
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Variable-Rate IRA Share Certificates 18 Month Term
$25
3.67%
▼
Rate3.60%
Min Deposit$25
Min Balance—
UpdatedApr 21, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
Premium Certificate 18 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
18 Months Certificate
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share and IRA Certificates 18 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
18 Months Share Certificates / IRA Certificates
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
18 Mo. Rippling Waves IRA Certificate
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
allows add'l ($500 minimum) deposits
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
Elevate Account Share Certificates 18 Months
$500
2.99%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
IRA eligible.
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
Share Certificates 18 Months
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Katahdin Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 month variable rate IRA/SEP
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Basic CDs/IRAs 18 Months Variable
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
18-Month CD/IRA
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 24 months
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
154 High St, Farmington, ME 04938 1930
24 Months Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
255 Wilton Rd, Farmington, ME 04938
2 Year CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
2 Year Share, IRA & HSA Certificates of Deposit
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Individual Retirement Account (IRA) Certificates & Share Certificates 24 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
24 Month Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
Jumbo Certificates 2 Years
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
24 Months Certificate of Deposit
$500
3.75%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.25%
IRA Certificate 24 Mos
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
Premium Certificate 24 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Variable-Rate IRA Share Certificates 24 Month Term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
IRA Certificates 3, 6, 9, 15,18, 24 Months
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
24 Months Certificate
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Share & IRA Certificates 24 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance to open: $2,000.00
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
2 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
IRA Certificates 2 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share and IRA Certificates 24 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
2-Year Share Certificates IRAs
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Share Certificate & IRA Certificate 2 year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
24 Months Share Certificates / IRA Certificates
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
IRA Certificates 24 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
2 Year Share Certificate or IRA Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
Elevate Account Share Certificates 24 Months
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
IRA eligible.
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
IRA and Share Certificate 24 months
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1 1/2 Year IRA
$100
2.79%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Premium CDs / IRAs 2 Years
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2-Year CD
$500
0.40%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 36 months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
154 High St, Farmington, ME 04938 1930
36 Months Share Certificates
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
3 Year Certificate
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Relationship APY
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
255 Wilton Rd, Farmington, ME 04938
3 Year CD
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
36 Months Certificate of Deposit
$500
3.90%
▼
Rate3.77%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
90th Anniversary Special
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Individual Retirement Account (IRA) Certificates & Share Certificates 36 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
Jumbo Certificates 3 Years
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share and IRA Certificates 36 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Wealth Builder IRA Share Certificates 36 Month Term
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
Premium Certificate 36 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
Share Certificates 36 Months
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
3 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Share & IRA Certificates 36 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance to open: $2,000.00
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
36 Months Certificate
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
36 Months Share Certificates / IRA Certificates
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
3-Year Share Certificates IRAs
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Share Certificate & IRA Certificate 3 year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
IRA Certificates 36 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
3 Year Share Certificate or IRA Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
Elevate Account Share Certificates 36 Months
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
IRA eligible.
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Certificate Account 3 Years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
IRA and Share Certificate 36 months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
36 Month Certificate
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Premium CDs / IRAs 3 Years
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3-Year CD
$500
0.40%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
154 High St, Farmington, ME 04938 1930
48 Months Share Certificates
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
IRA Certificates 48 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
Jumbo Certificates 4 Years
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Individual Retirement Account (IRA) Certificates & Share Certificates 48 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Wealth Builder IRA Share Certificates 48 Month Term
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share and IRA Certificates 48 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
Premium Certificate 48 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Share & IRA Certificates 48 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance to open: $2,000.00
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
48 Months Certificate of Deposit
$500
3.60%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
4 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
4 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
IRA and Share Certificate 48 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
48 Months Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
IRA Certificates 4 Years
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
IRA Certificates 48 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
48 Months Share Certificates / IRA Certificates
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
4-Year Share Certificates IRAs
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Share Certificate & IRA Certificate 4 year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
Elevate Account Share Certificates 48 Months
$500
3.19%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
IRA eligible.
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
48 Month Certificate
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Premium CDs / IRAs 4 Years
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
4 Year Certificate of Deposit
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
4-Year CD
$500
0.45%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 60 months
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
154 High St, Farmington, ME 04938 1930
60 Months Share Certificates
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
255 Wilton Rd, Farmington, ME 04938
5 Year CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
Share Certificates 60 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
Jumbo Certificates 5 Years
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Individual Retirement Account (IRA) Certificates & Share Certificates 60 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
Wealth Builder IRA Share Certificates 60 Month Term
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
Share and IRA Certificates 60 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
Premium Certificate 60 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
IRA and Share Certificate 60 months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Share & IRA Certificates 60 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum Balance to open: $2,000.00
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
60 Months Certificate of Deposit
$500
3.60%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
5 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
60 Months Certificate
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
5 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
Share Certificates - Personal & Business 60 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
60 Months Share Certificates / IRA Certificates
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
60 Months Elevate Account Bump Rate Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
5 Year Share Certificate or IRA Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Certificate Account 5 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Share Certificate & IRA Certificate 5 year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
5-Year Share Certificates IRAs
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
60 Month Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Premium CDs / IRAs 5 Years
$0
1.11%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
5-Year CD
$500
0.45%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Farmington, ME CD Rate Trends
Compare local Farmington, 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.
12-Month CD — ME Avg
1.985%
▲ 0.035 vs 7 days ago
Maine 12-month CD rates rose 0.035 points over the past 7 days to 1.985% APY.
6-Month CD — ME Avg
2.143%
▲ 0.188 vs 7 days ago
Maine 6-month CD rates rose 0.188 points over the past 7 days to 2.143% APY.
As of Apr 21, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
ME 12-Month Avg APY
1.985%
6-Month Forecast
1.985%
Range: 1.79% – 2.14%
12-Month Forecast
1.735%
Range: 1.54% – 1.89%
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What Your Savings Earn at ME CD Rates Today
Annual interest earnings at today’s Maine average APYs. State average used where available; national average as fallback.
| CD Term | ME Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.508% | $75.40 | $150.80 | $377.00 | $754.00 |
| 6-Month CD | 2.143% | $107.17 | $214.33 | $535.83 | $1,071.65 |
| 12-Month CD | 1.985% | $99.26 | $198.51 | $496.28 | $992.55 |
| 18-Month CD | 1.672% | $83.58 | $167.16 | $417.90 | $835.80 |
| 24-Month CD | 1.722% | $86.09 | $172.18 | $430.45 | $860.90 |
| 36-Month CD | 1.691% | $84.57 | $169.14 | $422.85 | $845.70 |
| 48-Month CD | 1.853% | $92.67 | $185.33 | $463.33 | $926.65 |
| 60-Month CD | 1.869% | $93.46 | $186.92 | $467.30 | $934.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
Sample CD Ladder for Farmington, 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 | 1.508% | $75.40 |
| 2 | 6-Month CD | $5,000 | 2.143% | $107.17 |
| 3 | 12-Month CD | $5,000 | 1.985% | $99.26 |
| 4 | 24-Month CD | $5,000 | 1.722% | $86.09 |
| 5 | 36-Month CD | $5,000 | 1.691% | $84.57 |
| Total ($25,000 invested) | $25,000 | 1.810% blended | $452.49/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.
37
Institutions
in Farmington, Maine
in Farmington, Maine
14 Banks
23 Credit Unions
About Our Farmington, Maine CD Rate Database
MonitorBankRates tracks CD rates from 14 banks and 23 credit unions with locations in Farmington, 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: Franklin Somerset Federal Credit Union offers a CD at 3.82% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Farmington, Maine.
How to Find the Best CD Rates in Farmington, Maine
What to compare when shopping for a CD in Farmington, Maine
To find the best APYs in Farmington, Maine, start with credit unions and online-only banks — Farmington, Maine has 23 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 Farmington, 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 Farmington, Maine — 37 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Farmington, Maine savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Farmington, Maine money market rates
Farmington, Maine Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
20.0%
National avg: 17.3%
Median Individual Earnings
$15,212
National avg: $47,340
Poverty Rate
20.5%
National avg: 11.1%
Unemployment Rate
8.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$30/yr
At ME 12-mo avg 1.985% APY
20.0% 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; an unemployment rate of 8.2% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s ME 12-month CD average of 1.985%, saving 10% of the local median salary ($1,521/year) and putting it in a CD would earn an additional $30 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 Farmington, 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 Farmington, Maine
Are CD rates in Farmington, Maine FDIC insured?
Yes, most established banks in Farmington, 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 Farmington, 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 Farmington, 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 Farmington, 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 Farmington, Maine?
Here are recent top rates found for this area:
- Franklin Somerset Federal Credit Union: 3.82% APY (Share Certificates 12 months)
- University Credit Union Orono, ME: 3.30% APY (6 Months Share Certificates)
- Skowhegan Savings Bank: 1.30% APY (18 Month IRA Special)
- TD Bank: 1.00% APY (3 Year Certificate)
- Bangor Savings Bank: 0.85% APY (12 Month Certificate)
- Maine Highlands Federal Credit Union: 4.07% APY (IRA Certificates 48 Months)
- Downeast Credit Union: 4.00% APY (6-Month CD)
- Northeast Bank Portland, ME: 3.95% APY (6-Month CD)
- Community Credit Union: 3.92% APY (Jumbo Certificates 4 Years)
- Milestones Federal Credit Union: 3.92% APY (6 Months Share Certificates / IRA Certificates)
Rates reflect recent verified offers available in Farmington, Maine. Last Updated: April 21, 2026
CD Calculators for Farmington, Maine
Farmington, Maine CD Calculator
At today’s ME top rate of 3.82% APY, a $10,000 deposit earns $382 in the first year. Enter your amount to see your exact return.
Farmington, Maine CD LadderME CD rates currently range from 1.508% (3-month) to 1.691% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Farmington, Maine CD at 3.82% 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 1.985% 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 Farmington, 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 Farmington, 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: April 21, 2026
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