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CD Rates Sinclair, Maine (ME) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| iEditorial Disclosure
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: April 5, 2026

Current Sinclair, Maine CD rates include Katahdin Federal Credit UnionKatahdin Federal Credit UnionA+5.0 ★Texas Ratio: 4.12% offering IRA Certificates 12 month at 4.07% APY, Downeast Credit UnionDowneast Credit UnionA+5.0 ★Texas Ratio: 4.39% offering Share Certificate & IRA Certificate 6 month at 4.00% APY, Northeast Bank Portland, MENortheast Bank Portland, MEA+5.0 ★Texas Ratio: 5.60% offering 6-Month CD at 3.95% APY, Gardiner Federal Credit UnionGardiner Federal Credit UnionA+5.0 ★Texas Ratio: 0.44% offering Individual Retirement Account (IRA) Certificates & Share Certificates 48 Month at 3.87% APY, and KV Federal Credit UnionKV Federal Credit UnionA+5.0 ★Texas Ratio: 0.82% offering 2 Year Share, IRA & HSA Certificates of Deposit at 3.87% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

Sinclair is a smaller community with no bank or credit union branches currently in our database. 141 institutions serving the Maine area are available to Sinclair residents, with CD rates as high as 4.07% APY from Katahdin Federal Credit Union. 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

Compare Best CD Rates in Sinclair, 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%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
3-Month Share Certificate
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3 Month Certificate Benefit Plus? Customers
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month CD
$500
2.25%
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

not available for IRAs

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Certificates 3 month
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Mo. Share Certificate
$100
1.75%
View
▼
Rate1.74%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Share Certificate & IRA Certificate 6 month
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
6-Month CD
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Regular Share Certificate Account 6 Month
$150,000
3.76%
View
▼
Rate3.70%
Min Deposit$150,000
Min Balance—
UpdatedApr 5, 2026
Details

$150,000.00 or more

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6-Month Share Certificates
$0
3.66%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
6 Month Certificate
$500
3.65%
View
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
6-Month Share Certificate
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6-month CD
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

This CD special is available to customers with a Relationship Rewards Checking account with Bar Harbor Bank & Trust.

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
6 MONTH CD
$500
3.40%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6-Month CD*
$1,000
3.35%
View
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
CD's (share 6 mo.
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 Month CD
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
6 Month Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
6 Month CD
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

CD Only

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month Compounded Certificate of Deposit
$10,000
2.53%
View
▼
Rate2.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details

Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 Month CD / IRA
$500
2.02%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
6 Month Certificate Benefit Plus? Customers
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Maine Media Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 month Share Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1000 minimum, penalty for early withdrawal

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6-Month CD
$500
0.20%
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month CD
$1,500
0.15%
View
▼
Rate0.15%
Min Deposit$1,500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
IRA Certificates 12 month
$500
4.07%
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Regular Share Certificate Account 12 Month
$150,000
3.87%
View
▼
Rate3.80%
Min Deposit$150,000
Min Balance—
UpdatedApr 5, 2026
Details

$150,000.00 or more

Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1 Year CD
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Term Fixed-Rate Share Certificates
$0
3.75%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1 year Share Certificate
$500
3.66%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Certificate Account 1 Year
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
Ultimate Insured Share Certificate - 12 Mo.
$250,000
3.60%
View
▼
Rate3.54%
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
1-Year Share Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
12 MONTH CD
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
1 Year IRA Certificate
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1 Year CD
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
12-Month CD**
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
IRA Certificates 1 Year
$0
2.91%
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Laddered CD / IRA - 1 Year Rung
$500
2.38%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
RSB 1-Year Certificate
$500
1.75%
View
▼
Rate1.71%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
12 Month Certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Benefit Plus? Customers

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
1-Year CD
$500
0.35%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
Premium CDs / IRAs 1 Year
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1 Year CD
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
IRA Certificates 18 month
$500
3.87%
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 Month Variable Rate IRA CD
$500
3.84%
View
▼
Rate3.77%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.60%
Min Deposit$25
Min Balance—
UpdatedApr 5, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
18-Month Share Certificate
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
18 Month CD
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
18 MONTH CD
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
18 Month Opportunity CD
$500
2.43%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
18 Month IRA Special
$0
1.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
CD's (share 18 mo. Youth
$100
1.01%
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month Choice CD
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
18 Month Certificate Benefit Plus? Customers
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Katahdin Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 month variable rate IRA/SEP
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
18-Month CD/IRA
$500
0.20%
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

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: 0.82%
2 Year Share, IRA & HSA Certificates of Deposit
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
24 Month Certificate
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
CD's (share 24 mo.
$1,000
3.56%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
2 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Regular Share Certificate Account 24 Month
$150,000
3.45%
View
▼
Rate3.40%
Min Deposit$150,000
Min Balance—
UpdatedApr 5, 2026
Details

$150,000.00 or more

Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Share Certificate & IRA Certificate 2 year
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
2-Year Share Certificate
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
IRA Certificates 24 month
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
2 Year CD
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
24 Month CD
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
IRA Certificates 2 Year
$0
2.91%
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1 1/2 Year IRA
$100
2.79%
View
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
24 MONTH CD
$500
2.58%
View
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
3 1/2 Year CD / IRA
$500
2.38%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2 Year CD
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
RSB 2-Year Certificate
$500
1.50%
View
▼
Rate1.47%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
24 Month Certificate Benefit Plus? Customers
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month Certificate of Deposit
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2-Year CD
$500
0.40%
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
2 Year CD
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2-Year CD/IRA
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Individual Retirement Account (IRA) Certificates & Share Certificates 36 Month
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Regular Share Certificate Account 36 Month
$150,000
3.45%
View
▼
Rate3.40%
Min Deposit$150,000
Min Balance—
UpdatedApr 5, 2026
Details

$150,000.00 or more

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
3-Year Share Certificate
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
IRA Certificates 36 month
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
IRA Certificates 3 Year
$0
2.91%
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
36 Month CD
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
36 Month Certificate
$500
2.68%
View
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
36 MONTH CD
$500
2.58%
View
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Laddered CD / IRA - 3 Year Rung
$500
2.48%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Year CD
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
36 Month Certificate Benefit Plus? Customers
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Year Certificate of Deposit
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3-Year CD
$500
0.40%
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
3 Year CD
$500
0.35%
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
3-Year CD/IRA
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Individual Retirement Account (IRA) Certificates & Share Certificates 48 Month
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Regular Share Certificate Account 48 Month
$150,000
3.51%
View
▼
Rate3.45%
Min Deposit$150,000
Min Balance—
UpdatedApr 5, 2026
Details

$150,000.00 or more

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
4 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
4-Year Share Certificate
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
IRA Certificates 48 month
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
IRA Certificates 4 Year
$0
2.91%
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
48 Month CD
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
48 Month Certificate
$500
2.73%
View
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
48 MONTH CD
$500
2.58%
View
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Laddered CD / IRA - 4 Year Rung
$500
2.53%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4 Year CD
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
RSB 4-Year Certificate
$500
1.25%
View
▼
Rate1.23%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
48 Month Certificate Benefit Plus? Customers
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
4-Year CD
$500
0.45%
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
4-Year CD/IRA
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Individual Retirement Account (IRA) Certificates & Share Certificates 60 Month
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
60 Month CD
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
5 Year Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
Regular Share Certificate Account 60 Month
$50,000
3.45%
View
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

$50,000.00 to $149,999.99 APY*

Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
Share Certificate & IRA Certificate 5 year
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
5-Year Share Certificate
$500
3.15%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
IRA Certificates 5 Year
$0
2.91%
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Laddered CD / IRA - 5 Year Rung
$500
2.89%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
60 Month Certificate
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
60 MONTH CD
$500
2.01%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
5 Year CD
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
60 Month Certificate Benefit Plus? Customers
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5 Year Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
5 Year CD
$500
0.50%
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
5-Year CD
$500
0.45%
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
5-Year CD/IRA
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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.

Sinclair, ME CD Rate Trends

Compare local Sinclair, 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.

View Full Maine CD Trends →
12-Month CD — ME Avg
3.019%
▲ 0.982 vs 7 days ago

Maine 12-month CD rates rose 0.982 points over the past 7 days to 3.019% APY.

6-Month CD — ME Avg
2.938%
▲ 0.900 vs 7 days ago

Maine 6-month CD rates rose 0.900 points over the past 7 days to 2.938% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Sinclair, Maine

Are CD rates in Sinclair, Maine FDIC insured?

Yes, most established banks in Sinclair, 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 Sinclair, 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 Sinclair, 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 Sinclair, 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 Sinclair, Maine?

Here are recent top rates found for this area:
  • Katahdin Federal Credit Union: 4.07% APY (IRA Certificates 12 month)
  • Downeast Credit Union: 4.00% APY (Share Certificate & IRA Certificate 6 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)
  • KV Federal Credit Union: 3.87% APY (2 Year Share, IRA & HSA Certificates of Deposit)
  • Cumberland County Federal Credit Union: 3.87% APY (Regular Share Certificate Account 12 Month)
  • Androscoggin Savings Bank: 3.84% APY (18 Month Variable Rate IRA CD)
  • Town & Country Federal Credit Union: 3.82% APY (24 Month Certificate)
  • Saco Valley Credit Union: 3.76% APY (IRA and Share Certificate 3 Month Special)
  • Central Maine Federal Credit Union: 3.75% APY (12 Month Term Fixed-Rate Share Certificates)
Rates reflect recent verified offers available in Sinclair, Maine. Last Updated: April 5, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Sinclair, 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 Sinclair, 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 5, 2026

Sinclair, Maine Rates & Resources

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