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Home Checking Accounts Maine Checking South Portland, Maine iAdvertiser Disclosure
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Best Banks & Checking Accounts in South Portland, Maine - April 2026

The best checking rates for South Portland, Maine include Evergreen Credit Union Portland, MEEvergreen Credit Union Portland, ME799 Broadway, South Portland, ME 04106A5.0 ★Texas Ratio: 8.27% Rise High-Yield Checking at 6.00% APY, Norway Savings BankNorway Savings Bank207 Waterman Dr, South Portland, ME 04106A+5.0 ★Texas Ratio: 0.74% Full Solutions Checking at 0.50% APY, Saco & Biddeford SavingsSaco & Biddeford Savings601 Broadway, South Portland, ME 04106A+5.0 ★Texas Ratio: 4.27% Mutual Interest Checking at 0.25% APY, Coast Line Credit UnionCoast Line Credit Union333 Cottage Rd, South Portland, ME 04106 3919A+5.0 ★Texas Ratio: 1.05% Personal Checking at 0.03% APY, and Trademark Federal Credit UnionTrademark Federal Credit Union340 Main St, South Portland, ME 04106 5535A5.0 ★Texas Ratio: 12.44% Regular Checking at 0.00% APY. Checking account rates as of April 26, 2026 according to verified data from MonitorBankRates.

South Portland has 5 local institutions in our database, with checking rates as high as 6.00% APY from Evergreen Credit Union Portland, ME at 799 Broadway, South Portland, ME, 04106. 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 South Portland, Maine. Checking Account Rates Last Updated and Verified: April 26, 2026

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

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
799 Broadway
South Portland, ME 04106
Rise High-Yield Checking
6.00%
$0
Rate5.83%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
799 Broadway
South Portland, ME 04106
Rise High-Yield Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
207 Waterman Dr
South Portland, ME 04106
Full Solutions Checking
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedApr 16, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
601 Broadway
South Portland, ME 04106
Mutual Interest Checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
207 Waterman Dr
South Portland, ME 04106
Flexible Solutions Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedApr 16, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
601 Broadway
South Portland, ME 04106
Mutual Interest Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
207 Waterman Dr
South Portland, ME 04106
Full Solutions Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedApr 16, 2026
Details

No additional details provided.

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
207 Waterman Dr
South Portland, ME 04106
Flexible Solutions Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedApr 16, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
601 Broadway
South Portland, ME 04106
Mutual Interest Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
207 Waterman Dr
South Portland, ME 04106
Flexible Solutions Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 16, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
601 Broadway
South Portland, ME 04106
Mutual Interest Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
799 Broadway
South Portland, ME 04106
Rise High-Yield Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Transactions: Less than $750.00

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
207 Waterman Dr
South Portland, ME 04106
Flexible Solutions Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 16, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
601 Broadway
South Portland, ME 04106
Mutual Interest Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Coast Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
333 Cottage Rd
South Portland, ME 04106 3919
Personal Checking
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
207 Waterman Dr
South Portland, ME 04106
Full Solutions Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 16, 2026
Details

No additional details provided.

Trademark Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.44%
340 Main St
South Portland, ME 04106 5535
Regular Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
207 Waterman Dr
South Portland, ME 04106
Flexible Solutions Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 16, 2026
Details

No additional details provided.

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Kasasa Cash Checking
5.50%
$0
Rate5.35%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

PeoplesChoice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
HighFive Checking (qualifying)
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifications Required

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
799 Broadway
South Portland, ME 04106
Rise High-Yield Checking
6.00%
$0
Rate5.83%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
799 Broadway
South Portland, ME 04106
Rise High-Yield Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
601 Broadway
South Portland, ME 04106
Mutual Interest Checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
601 Broadway
South Portland, ME 04106
Mutual Interest Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
601 Broadway
South Portland, ME 04106
Mutual Interest Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
601 Broadway
South Portland, ME 04106
Mutual Interest Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
601 Broadway
South Portland, ME 04106
Mutual Interest Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Kasasa Cash Checking
5.50%
$0
Rate5.35%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

PeoplesChoice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
HighFive Checking (qualifying)
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifications Required

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Kasasa Cash Checking
4.01%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000

Maine State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.98%
Maine Advantage Checking
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.84%
Platinum Rewards Checking
3.00%
$50
Rate3.00%
Min Deposit$50
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Katahdin Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
Preferred Interest Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

Qualifications Required: Requires direct deposit; $10,000 in savings balances; Requires direct deposit & $10,000 in savings balances

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Integrity Plus Checking
0.04%
$0
Rate0.04%
Min Deposit$0
Min Balance
UpdatedApr 24, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

Qualifications Required: Requires direct deposit; $10,000 in savings balances; Requires direct deposit & $10,000 in savings balances

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Integrity Plus Checking
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

No additional details provided.

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Advantage Plus Checking (1)
0.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

Qualifications Required: Requires direct deposit; $10,000 in savings balances; Requires direct deposit & $10,000 in savings balances

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Value Plus Checking
0.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

No additional details provided.

Katahdin Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
Direct Interest Checking
0.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 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%
Kasasa Cash Checking
5.50%
$0
Rate5.35%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Kasasa Cash Checking
4.01%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000

CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.84%
Platinum Rewards Checking
3.00%
$50
Rate3.00%
Min Deposit$50
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Downeast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Simple Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 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
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
600 Sable Oaks Dr Ste 100
South Portland, ME 04106 3292
Premium Business Checking
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

$100,000 and over

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
600 Sable Oaks Dr Ste 100
South Portland, ME 04106 3292
Premium Business Checking
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

$50,000 - $99,999.99

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
600 Sable Oaks Dr Ste 100
South Portland, ME 04106 3292
Premium Business Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

$25,000 - $49,999.99

Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
600 Sable Oaks Dr Ste 100
South Portland, ME 04106 3292
Premium Business Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Up to $24,999.99

Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Now Business Checking
1.02%
$50
Rate1.00%
Min Deposit$50
Min Balance
UpdatedApr 17, 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
Rate0.65%
Min Deposit$50
Min Balance
UpdatedApr 17, 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
Rate0.35%
Min Deposit$50
Min Balance
UpdatedApr 17, 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
Rate0.20%
Min Deposit$50
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Downeast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Commercial Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 19, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

$7.00 Monthly fee

Downeast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Commercial Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

South Portland, ME Checking Rate Trends

Compare local South Portland, 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
3.133%
Unchanged vs 7 days ago

Maine high-yield checking rates currently average 3.133% APY.

Free Checking — ME Avg
0.338%
▲ 0.016 vs 7 days ago

Maine free checking rates rose 0.016 points over the past 7 days to 0.338% APY.

As of Apr 30, 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 South Portland, 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 South Portland, 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 South Portland, Maine earn interest?

Most traditional local checking accounts in South Portland, 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 South Portland, Maine FDIC insured?

Yes. Legitimate banks with branches in South Portland, 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 South Portland, Maine

Based on our current data, some of the highest checking account APYs available to residents of South Portland, Maine include:
  • Evergreen Credit Union Portland, ME
    Rise High-Yield Checking — 6.00% APY
  • Norway Savings Bank
    Full Solutions Checking — 0.50% APY
  • Saco & Biddeford Savings
    Mutual Interest Checking — 0.25% APY
  • Coast Line Credit Union
    Personal Checking — 0.03% APY
  • Trademark Federal Credit Union
    Regular Checking — 0.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in South Portland, Maine. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 26, 2026