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Best Banks & Checking Accounts in Augusta, Maine - April 2026

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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 | Checking Account Rates — Last Updated and Verified: April 11, 2026

The best checking rates for Augusta, Maine include University Credit Union Orono, MEUniversity Credit Union Orono, ME67 Sewall St, Augusta, ME 04330 6332A+5.0 ★Texas Ratio: 4.10% Kasasa Cash Checking at 5.50% APY, Maine State Credit UnionMaine State Credit Union200 Capitol St, Augusta, ME 04330 6238A5.0 ★Texas Ratio: 8.98% Maine Advantage Checking at 3.50% APY, Kennebec Savings BankKennebec Savings Bank150 State St, Augusta, ME 04330A+5.0 ★Texas Ratio: 1.44% Premier Checking II at 0.20% APY, Camden National BankCamden National Bank21 Armory St, Augusta, ME 04330A+5.0 ★Texas Ratio: 0.98% Non-Profit Checking at 0.05% APY, and Skowhegan Savings BankSkowhegan Savings Bank450 Civic Center Dr, Augusta, ME 04330A+5.0 ★Texas Ratio: 1.27% Integrity Plus Checking at 0.04% APY. Checking account rates as of April 11, 2026 according to verified data from MonitorBankRates.

Augusta has 5 local institutions in our database, with checking rates as high as 5.50% APY from University Credit Union Orono, ME at 67 Sewall St, Augusta, ME, 04330 6332. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Augusta, Maine. Checking Account Rates Last Updated and Verified: April 11, 2026

Compare Checking Account Rates Today in Augusta, Maine & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
67 Sewall St
Augusta, ME 04330 6332
Kasasa Cash Checking
5.50%
$0
View
▼
Rate5.35%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15,000.00

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
67 Sewall St
Augusta, ME 04330 6332
Kasasa Cash Checking
4.01%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15,000

Maine State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.98%
200 Capitol St
Augusta, ME 04330 6238
Maine Advantage Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15,000.00

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
67 Sewall St
Augusta, ME 04330 6332
Premier Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
150 State St
Augusta, ME 04330
Premier Checking II
0.20%
$100
View
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
150 State St
Augusta, ME 04330
Premier Checking II
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
150 State St
Augusta, ME 04330
Premier Checking II
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Camden National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
21 Armory St
Augusta, ME 04330
Non-Profit Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
150 State St
Augusta, ME 04330
Premier Checking II
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
450 Civic Center Dr
Augusta, ME 04330
Integrity Plus Checking
0.04%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
450 Civic Center Dr
Augusta, ME 04330
Integrity Plus Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
450 Civic Center Dr
Augusta, ME 04330
Integrity Plus Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Camden National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
21 Armory St
Augusta, ME 04330
Non-Profit Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
150 State St
Augusta, ME 04330
Evolve Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
150 State St
Augusta, ME 04330
Premier Checking II
0.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $7,499

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Rise High-Yield Checking
6.00%
$25
View
▼
Rate5.83%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $10,000.00

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Free Rewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $10,000

CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.84%
Platinum Rewards Checking*
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Rise High-Yield Checking
3.00%
$25
View
▼
Rate2.96%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $10,000.00

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
Full Solutions Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
67 Sewall St
Augusta, ME 04330 6332
Kasasa Cash Checking
5.50%
$0
View
▼
Rate5.35%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15,000.00

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
67 Sewall St
Augusta, ME 04330 6332
Kasasa Cash Checking
4.01%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15,000

Maine State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.98%
200 Capitol St
Augusta, ME 04330 6238
Maine Advantage Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15,000.00

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
450 Civic Center Dr
Augusta, ME 04330
Integrity Plus Checking
0.04%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
450 Civic Center Dr
Augusta, ME 04330
Integrity Plus Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
450 Civic Center Dr
Augusta, ME 04330
Integrity Plus Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Rise High-Yield Checking
6.00%
$25
View
▼
Rate5.83%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $10,000.00

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Free Rewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $10,000

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Rise High-Yield Checking
3.00%
$25
View
▼
Rate2.96%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $10,000.00

CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.84%
Platinum Rewards Checking*
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Mutual Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Mutual Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Mutual Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Mutual Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Bath Savings Institution
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Packard Advantage Checking
0.07%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Advantage Plus Checking (3)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Requires direct deposit & $10,000 in savings balances

Katahdin Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
Preferred Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Mutual Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Rockland Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
RSB Interest Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Advantage Plus Checking (2)
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Requires direct deposit & $10,000 in savings balances

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
67 Sewall St
Augusta, ME 04330 6332
Kasasa Cash Checking
5.50%
$0
View
▼
Rate5.35%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15,000.00

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
67 Sewall St
Augusta, ME 04330 6332
Kasasa Cash Checking
4.01%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15,000

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Free Rewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $10,000

CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.84%
Platinum Rewards Checking*
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Partners Bank of New England
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Golden Rewards Ultimate Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Partners Bank of New England
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Golden Rewards Ultimate Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Free Rewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $10,000

Downeast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

No Student accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Now Business Checking
1.02%
$50
View
▼
Rate1.00%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Now Business Checking
0.66%
$50
View
▼
Rate0.65%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Premium Business Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Now Business Checking
0.36%
$50
View
▼
Rate0.35%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Premium Business Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Now Business Checking
0.20%
$50
View
▼
Rate0.20%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Premium Business Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Premium Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Downeast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Commercial Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Katahdin Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
Commercial Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Katahdin Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
Totally Free Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$7.00 Monthly fee

Downeast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Commercial Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Business Draft Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Augusta, ME Checking Rate Trends

Compare local Augusta, ME checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Maine Checking Trends →
High-Yield Checking — ME Avg
2.193%
▼ 1.097 vs 7 days ago

Maine high-yield checking rates fell 1.097 points over the past 7 days to 2.193% APY.

Free Checking — ME Avg
0.244%
▲ 0.116 vs 7 days ago

Maine free checking rates rose 0.116 points over the past 7 days to 0.244% APY.

As of Apr 11, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Augusta, Maine directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Augusta, Maine. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in ME.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Augusta, Maine earn interest?

Most traditional local checking accounts in Augusta, Maine earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Augusta, Maine FDIC insured?

Yes. Legitimate banks with branches in Augusta, Maine are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Augusta, Maine

Based on our current data, some of the highest checking account APYs available to residents of Augusta, Maine include:
  • University Credit Union Orono, ME
    Kasasa Cash Checking — 5.50% APY
  • Maine State Credit Union
    Maine Advantage Checking — 3.50% APY
  • Kennebec Savings Bank
    Premier Checking II — 0.20% APY
  • Camden National Bank
    Non-Profit Checking — 0.05% APY
  • Skowhegan Savings Bank
    Integrity Plus Checking — 0.04% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Augusta, Maine. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 11, 2026

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