Current Unity, Maine CD rates include Downeast Credit UnionDowneast Credit Union58 School St, Unity, ME 04988A+5.0 ★Texas Ratio: 4.39% offering Share Certificate & IRA Certificate 6 month at 4.00% APY, Bangor Savings BankBangor Savings Bank2 Clifford Commons, Unity, ME 04988A+5.0 ★Texas Ratio: 2.55% offering 3 Month Certificate Benefit Plus? Customers at 2.53% 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 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. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.
Unity has 14 local institutions in our database, with CD rates as high as 4.00% APY from Downeast Credit Union at 58 School St, Unity, ME 04988. 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 6, 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.
CD Only
$1000 minimum, penalty for early withdrawal
Benefit Plus? Customers
$150,000.00 or more
Relationship APY
Relationship APY
$150,000.00 or more
Relationship APY
$150,000.00 or more
Relationship APY
$150,000.00 or more
$150,000.00 or more
Relationship APY
Compare local Unity, 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 1.039 points over the past 7 days to 3.076% APY.
Maine 6-month CD rates rose 1.229 points over the past 7 days to 3.267% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Unity, 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 Unity, 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.