Best Money Market Rates in Waterville, Maine (ME) - May 2026
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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.
Current Waterville, Maine and the surrounding area money market deposit account rates include Kennebec Savings BankKennebec Savings Bank226 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 1.44% Premier Money Market at 2.55% APY, Bangor Savings BankBangor Savings Bank366 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 2.55% Money Market Account at 0.60% APY, Camden National BankCamden National Bank150 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 0.98% Money Market at 0.20% APY, Atlantic Regional Federal Credit UnionAtlantic Regional Federal Credit UnionA+5.0 ★Texas Ratio: 2.96% Business Money Market at 4.00% APY, and Community Credit UnionCommunity Credit UnionA5.0 ★Texas Ratio: 13.38% Money Market Account at 4.00% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Waterville has 3 local institutions in our database, with money market rates as high as 2.55% APY from Kennebec Savings Bank at 226 Main St, Waterville, ME 04901. Use the table below to compare all available offers, including options from institutions serving the broader Maine area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Waterville, Maine and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Waterville, Maine & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Money Market
2.55%
$100
▼
Rate2.52%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Money Market
1.40%
$100
▼
Rate1.39%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Money Market
1.10%
$100
▼
Rate1.09%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Money Market
0.75%
$100
▼
Rate0.75%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
Money Market Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
Money Market Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Money Market
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
Money Market Account
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
Money Market Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
Money Market
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
Money Market
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
Money Market
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
Money Market
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
Money Market
0.01%
$100
▼
Rate0.01%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
Money Market Account
0.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Money Market
0.00%
$100
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Business Money Market
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$250,000 - $499,999
Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.38%
Money Market Account
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Money Market Account
4.00%
$250,000
▼
Rate3.93%
Min Deposit$250,000
Min Balance—
UpdatedMay 6, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Mini Money Market Accounts
3.66%
$0
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifying balance up to $2,500.00
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Money Market
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Money Market
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Money Market
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$250,000 +
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Money Market
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Money Market
2.80%
$0
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Money Market Now
2.80%
$1,000
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Money Market Plus Account
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Money Market (5)
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.20%
Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum Balance $2500
NorState Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.25%
Money Market
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
As High As
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Money Market Accounts
2.75%
$2,500
▼
Rate2.72%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
$50,000+
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Preferred Money Market, IRA & Coverdell ESA
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Money Market Accounts
2.68%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Money Market
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Money Market Plus Account
2.63%
$0
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Money Market Account
2.63%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 - $249,999
CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.84%
Money Market
2.53%
$2,000
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedMay 12, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Money Market (4)
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Money Market Account
2.50%
$100,000
▼
Rate2.47%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 - $249,999
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Money Market Plus Account
2.48%
$0
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Money Market Accounts
2.48%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Money Market Plus Account
2.32%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
APEX Business Money Market
2.30%
$0
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Money Market
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Money Market
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$50,000 - $99,999
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.67%
Money Market (3)
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
IRA Money Market
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
Peak Money Market
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
APY as high as
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Preferred Money Market, IRA & Coverdell ESA
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Money Market Accounts
2.25%
$2,500
▼
Rate2.23%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
$10,000+
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Money Market Accounts <
2.25%
$2,500
▼
Rate2.23%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
$10,000
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Integrity Plus Money Market
2.22%
$0
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Money Market Accounts
2.22%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Money Market Plus Account
2.17%
$0
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Money Market Now
2.15%
$1,000
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
APEX Ultimate Insured Business Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Currently Closed to New Shares
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Essential Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
No minimum balance to open Money Market Account. $2,500 minimum balance required to earn dividends.
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
Money Market Accounts
2.02%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Money Market Plus Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Premier Money Market
2.02%
$10,000
▼
Rate2.00%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Money Market Now
1.90%
$1,000
▼
Rate1.86%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Essential Money Market
1.85%
$0
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Integrity Plus Money Market
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Premier Money Market
1.51%
$10,000
▼
Rate1.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Money Market Now
1.50%
$1,000
▼
Rate1.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Integrity Plus Money Market
1.31%
$0
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Essential Money Market
1.21%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Integrity Plus Money Market
1.16%
$0
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Essential Money Market
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Integrity Plus Money Market
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Premier Money Market
0.50%
$10,000
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Integrity Money Market
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
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MonitorBankRates
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. Rates reflect recent market quotes and representative offers available to depositors in Waterville, Maine and the surrounding area.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Waterville, ME Money Market Rate Trends
Compare local Waterville, ME money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — ME Avg
3.070%
▲ 0.011 vs 7 days ago
Maine high-yield MMA rates rose 0.011 points over the past 7 days to 3.070% APY.
Standard MMA — ME Avg
0.399%
▼ 0.012 vs 7 days ago
Maine standard MMA rates fell 0.012 points over the past 7 days to 0.399% APY.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Waterville, Maine directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed 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 Waterville, Maine. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in ME.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Waterville, Maine
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Maine.
Are Money Market accounts in Waterville, Maine safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Maine up to $250,000 per depositor, per institution.
How often do MMA rates change in Waterville, Maine?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Maine rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Waterville, Maine?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Waterville, Maine require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Waterville, Maine
Here are some of the highest money market account APYs currently available in Waterville, Maine and the surrounding area:
- Kennebec Savings Bank
Premier Money Market — 2.55% APY - Bangor Savings Bank
Money Market Account — 0.60% APY - Camden National Bank
Money Market — 0.20% APY - Atlantic Regional Federal Credit Union
Business Money Market — 4.00% APY - Community Credit Union
Money Market Account — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Waterville, Maine. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
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