Machias, Maine (ME) Savings Rates - March 2026
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The savings 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.
The best savings rates for Machias, Maine and the surrounding area include Camden National BankCamden National Bank6 M And M Pl, Machias, ME 04654A+5.0 ★Texas Ratio: 0.98% High-Yield Savings Account at 3.10% APY, Bangor Savings BankBangor Savings Bank1 Center St, Machias, ME 04654A+5.0 ★Texas Ratio: 2.55% Savings Account at 0.50% APY, University Credit Union Orono, MEUniversity Credit Union Orono, MEPowers Hall, Machias, ME 04654A+5.0 ★Texas Ratio: 4.10% Health Savings Account & Emergency Savings Account at 0.40% APY, Downeast Credit UnionDowneast Credit Union211 Main St, Machias, ME 04654A+5.0 ★Texas Ratio: 4.39% Share Savings at 0.05% APY, and Atlantic Regional Federal Credit UnionAtlantic Regional Federal Credit Union55 Cushing ST, Brunswick, ME 04011A+5.0 ★Texas Ratio: 2.96% Youth Savings at 4.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Machias, Maine, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Machias, Maine (ME) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Machias, Maine and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Machias, Maine & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 M And M Pl, Machias, ME 04654
High-Yield Savings Account
3.10%
$25
▼
Rate3.05%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 M And M Pl, Machias, ME 04654
High-Yield Savings Account
2.65%
$25
▼
Rate2.62%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Center St, Machias, ME 04654
Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Center St, Machias, ME 04654
Savings Account
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Powers Hall, Machias, ME 04654
Health Savings Account & Emergency Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Center St, Machias, ME 04654
Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Center St, Machias, ME 04654
Market Rate Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Powers Hall, Machias, ME 04654
Health Savings Account & Emergency Savings Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $10,000
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Center St, Machias, ME 04654
Market Rate Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Powers Hall, Machias, ME 04654
Health Savings Account & Emergency Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $2,500
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Center St, Machias, ME 04654
Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Powers Hall, Machias, ME 04654
Super Share
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Powers Hall, Machias, ME 04654
Health Savings Account & Emergency Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $500
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Center St, Machias, ME 04654
Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Center St, Machias, ME 04654
Market Rate Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Center St, Machias, ME 04654
Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
211 Main St, Machias, ME 04654
Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Powers Hall, Machias, ME 04654
Super Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Powers Hall, Machias, ME 04654
Prime Share Savings - Joint Membership
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 M And M Pl, Machias, ME 04654
Business Savings Account
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Powers Hall, Machias, ME 04654
Prime Share / Monty Moose / Teen
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 M And M Pl, Machias, ME 04654
Health Savings Account (HSA)
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 M And M Pl, Machias, ME 04654
Promise Savings Account
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 M And M Pl, Machias, ME 04654
Business Savings Account
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 M And M Pl, Machias, ME 04654
Health Savings Account (HSA)
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 M And M Pl, Machias, ME 04654
Promise Savings Account
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 M And M Pl, Machias, ME 04654
Promise Savings Account
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 M And M Pl, Machias, ME 04654
Business Savings Account
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Center St, Machias, ME 04654
Market Rate Savings
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
Youth Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$250,000 - $499,999
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
Business Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
High Balance Savings
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
High Balance Savings
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
582 Main St, Rockland, ME 04841
RSB High Yield Savings
3.15%
$50,000
▼
Rate3.06%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
23 Industrial Park Rd, Saco, ME 04072 1804
BOOST Youth Savings
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $2,500.00
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
Mutual High Yield Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
High Balance Savings
2.99%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
Advantage Savings
2.80%
$0
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
PROPEL Preferred Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
High-Yield Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
High Yield Savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
177 Main St, Bucksport, ME 04416
Health Savings Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
582 Main St, Rockland, ME 04841
RSB High Yield Savings
2.65%
$50,000
▼
Rate2.58%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
339 Hogan Rd, Bangor, ME 04401 4205
IRA Savings
2.63%
$25
▼
Rate2.60%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
325 Lisbon St, Lisbon, ME 04250 6865
IRA Share Accounts
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
Business Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
Youth Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$100,000 - $249,999
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
High Balance Savings
2.45%
$0
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
339 Hogan Rd, Bangor, ME 04401 4205
IRA Savings
2.43%
$25
▼
Rate2.40%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
325 Lisbon St, Lisbon, ME 04250 6865
IRA Share Accounts
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
339 Hogan Rd, Bangor, ME 04401 4205
IRA Savings
2.22%
$25
▼
Rate2.20%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
Advantage Savings
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
325 Lisbon St, Lisbon, ME 04250 6865
IRA Share Accounts
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
Health Savings Accounts
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
Business Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
Youth Savings
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$50,000 - $99,999
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
325 Lisbon St, Lisbon, ME 04250 6865
IRA Share Accounts
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
Advantage Savings
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
312 Main St, Saco, ME 04072 1515
Whiz Kid Share
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$25.00 (minimum) - $999.99
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
Business Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
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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.
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.
Machias, ME Savings Rate Trends
Compare local Machias, ME savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — ME Avg
1.679%
▲ 1.476 from last week
Maine high-yield savings rates rose 1.476 points this week to 1.679% APY, up from 0.203% last week.
Standard Savings — ME Avg
0.563%
▼ 1.247 from last week
Maine standard savings rates fell 1.247 points this week to 0.563% APY, down from 1.810% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Machias, 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 savings 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 Machias, Maine. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in ME.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Machias, Maine
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Maine, help your money grow faster through a higher APY.
Are savings accounts in Machias, 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 savings rates change in Machias, Maine?
Savings 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.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Machias, Maine may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Machias, Maine?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Machias, Maine offer in-person customer service, which some customers prefer.
How do I open a savings account in Machias, Maine?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Machias, Maine
Here are recent savings rates observed in Machias, Maine and the surrounding area:
- Camden National Bank
High-Yield Savings Account — 3.10% APY - Bangor Savings Bank
Savings Account — 0.50% APY - University Credit Union Orono, ME
Health Savings Account & Emergency Savings Account — 0.40% APY - Downeast Credit Union
Share Savings — 0.05% APY - Atlantic Regional Federal Credit Union
Youth Savings — 4.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Machias, Maine. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
