Current Jay, Maine CD rates include Androscoggin Savings BankAndroscoggin Savings Bank6 Androscoggin Ln, Jay, ME 04239A+5.0 ★Texas Ratio: 2.03% offering 18 Month Variable Rate IRA CD at 3.84% APY, Downeast Credit UnionDowneast Credit UnionA+5.0 ★Texas Ratio: 4.39% offering Share Certificate & IRA Certificate 6 month at 4.00% APY, Katahdin Federal Credit UnionKatahdin Federal Credit UnionA+5.0 ★Texas Ratio: 4.12% offering IRA Certificates 12 month at 3.97% APY, Northeast Bank Portland, MENortheast Bank Portland, MEA+5.0 ★Texas Ratio: 5.60% offering 6-Month CD at 3.95% APY, and Cumberland County Federal Credit UnionCumberland County Federal Credit UnionA+5.0 ★Texas Ratio: 5.16% offering Regular Share Certificate Account 12 Month at 3.87% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
Jay has 8 local institutions in our database, with CD rates as high as 3.84% APY from Androscoggin Savings Bank at 6 Androscoggin Ln, Jay, ME 04239. 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 5, 2026
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.
$1000 minimum, penalty for early withdrawal
$150,000.00 or more
Relationship APY
Benefit Plus? Customers
Relationship APY
$150,000.00 or more
Relationship APY
$150,000.00 or more
Relationship APY
$150,000.00 or more
$50,000.00 to $149,999.99 APY*
Compare local Jay, 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 rose 0.982 points over the past 7 days to 3.019% APY.
Maine 6-month CD rates rose 0.900 points over the past 7 days to 2.938% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Jay, 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 Jay, 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.