Waterville, 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 Waterville, Maine and the surrounding area include Camden National BankCamden National Bank150 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 0.98% High-Yield Savings Account at 3.10% APY, Kennebec Savings BankKennebec Savings Bank226 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 1.44% HSA Savings at 1.50% APY, Maine State Credit UnionMaine State Credit Union81 Grove St, Waterville, ME 04901 5826A5.0 ★Texas Ratio: 8.98% Roth IRA (Share Savings) at 0.75% APY, Bangor Savings BankBangor Savings Bank366 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 2.55% Savings Account at 0.50% APY, and New Dimensions Federal Credit UnionNew Dimensions Federal Credit Union61 Grove St, Waterville, ME 04901A5.0 ★Texas Ratio: 12.50% Regular Savings at 0.05% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Waterville, 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 Waterville, Maine (ME) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Waterville, Maine and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Waterville, 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%
150 Main St, Waterville, ME 04901
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%
150 Main St, Waterville, ME 04901
High-Yield Savings Account
2.65%
$25
▼
Rate2.62%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
HSA Savings
1.50%
$10
▼
Rate1.49%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
Roth IRA (Share Savings)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
IRA (Share Savings)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
Health Savings Account (HSA)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
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%
366 Main St, Waterville, ME 04901
Savings Account
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Savings
0.45%
$100
▼
Rate0.45%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
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%
366 Main St, Waterville, ME 04901
Market Rate Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Savings
0.35%
$100
▼
Rate0.35%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier IRA Savings
0.35%
$10
▼
Rate0.35%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier IRA Savings
0.25%
$10
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Savings
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
Market Rate Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Kids Savings
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min Balance—
UpdatedMar 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Statement Savings
0.20%
$10
▼
Rate0.20%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier IRA Savings
0.20%
$10
▼
Rate0.20%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
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%
366 Main St, Waterville, ME 04901
Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier IRA Savings
0.15%
$10
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Savings
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier Savings
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Statement Savings
0.10%
$10
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
HSA Savings
0.10%
$10
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
Smart Savings for Teens
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
Marty Mountain | Kids Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
Christmas Club Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
Basic Club Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.50%
61 Grove St, Waterville, ME 04901
Regular Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 24, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
299 Main St, Waterville, ME 04901 4918
Special Share Draft
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
299 Main St, Waterville, ME 04901 4918
Share, IRA Share, Clubs, Monty Moose, Escrows & HSA Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
222 College Ave, Waterville, ME 04901 6226
Share Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.50%
61 Grove St, Waterville, ME 04901
Health Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.50%
61 Grove St, Waterville, ME 04901
Coverdell Education Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.50%
61 Grove St, Waterville, ME 04901
Club Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
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%
150 Main St, Waterville, ME 04901
Business Savings Account
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Statement Savings
0.05%
$10
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
Premier IRA Savings
0.05%
$10
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
HSA Savings
0.05%
$10
▼
Rate0.05%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
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
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
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 21, 2026
Details
Balances up to $2,500; Qualifying balance up to $2,500.00
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 21, 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 20, 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
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 20, 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
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 20, 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 20, 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
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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.
Waterville, ME Savings Rate Trends
Compare local Waterville, 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
1.511%
▲ 0.423 from last week
Maine high-yield savings rates rose 0.423 points this week to 1.511% APY, up from 1.088% last week.
Standard Savings — ME Avg
0.552%
▲ 0.052 from last week
Maine standard savings rates rose 0.052 points this week to 0.552% APY, up from 0.500% last week.
As of Mar 26, 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 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 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 Waterville, 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 Waterville, 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 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 savings rates change in Waterville, 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 Waterville, 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 Waterville, Maine?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Waterville, Maine offer in-person customer service, which some customers prefer.
How do I open a savings account in Waterville, 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 Waterville, Maine
Here are recent savings rates observed in Waterville, Maine and the surrounding area:
- Camden National Bank
High-Yield Savings Account — 3.10% APY - Kennebec Savings Bank
HSA Savings — 1.50% APY - Maine State Credit Union
Roth IRA (Share Savings) — 0.75% APY - Bangor Savings Bank
Savings Account — 0.50% APY - New Dimensions Federal Credit Union
Regular Savings — 0.05% APY
Savings 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: March 25, 2026
