Maine CD Rates Today - Compare Best APYs for July 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Maine CD rates include Maine Highlands Federal Credit UnionMaine Highlands Federal Credit Union73 Main St, Dexter, ME 04930A5.0 ★Texas Ratio: 12.65%Real return: +1.27%APY minus CPI (February 2026) offering IRA Certificates 48 Months at 4.07% APY, Androscoggin Savings BankAndroscoggin Savings Bank30 Lisbon St, Lewiston, ME 04240A+5.0 ★Texas Ratio: 2.03%Real return: +1.21%APY minus CPI (February 2026) offering 18 Month Variable Rate IRA CD at 4.01% APY, Northeast Bank Portland, MENortheast Bank Portland, ME27 Pearl St, Portland, ME 04101A+5.0 ★Texas Ratio: 5.60%Real return: +1.15%APY minus CPI (February 2026) offering 6-Month CD at 3.95% APY, Gardiner Federal Credit UnionGardiner Federal Credit Union420 Brunswick Ave, Gardiner, ME 04345 2836A+5.0 ★Texas Ratio: 0.44%Real return: +1.07%APY minus CPI (February 2026) offering 24 Month IRA Certificate at 3.87% APY, and KV Federal Credit UnionKV Federal Credit Union316 W River RD, Augusta, ME 04330 3992A+5.0 ★Texas Ratio: 0.81%Real return: +1.07%APY minus CPI (February 2026) offering 2 Year Certificate of Deposit at 3.87% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Maine side-by-side. Maine CD rates currently reach as high as 4.07% APY from Maine Highlands Federal Credit Union at 73 Main St, Dexter, ME 04930. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 25, 2026
Compare Best CD Rates in Maine
Maine 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
3 Month Special
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
3 Month IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
3 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 2.75%, Elevate Account APY: 2.78%
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
3 Month CD
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
90 Day Certificate of Deposit
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
IRA Certificates 3 Month
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
Share Certificates 3 Month
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 3 Months
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
3 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
3 Month
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
90-Day CD
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Maine 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
6-Month CD
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
6 Month IRA Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Business 6 months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 6 months
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
6 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 6 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
6 Months
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
339 Hogan Rd, Bangor, ME 04401 4205
6-Month Share Certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
APY = Annual Percentage Yield
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
6 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
6 Month Term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
6 Month Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
6 Month Special Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
6 Month Special IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
6 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
6-Month CD
$1,000
3.35%
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificate 6 months
$0
3.31%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Dividends Compounded: daily
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 6 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 90 days
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
6 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
6 month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
6 Month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
150 State St, Augusta, ME 04330
6 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
6 Months
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 2.80%, Elevate Account APY: 2.83%
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
6 Month Compounded Certificate of Deposit
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Compounded
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
IRA Certificates 6 Month
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
Share Certificates 6 Month
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 6 Months
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
6 Month Certificate of Deposit
$500
2.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
6 Month IRA Certificate
$500
2.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Super Saver Share Certificates 6 Months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 90 days
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
6 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
6-Month CD
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Relationship Rates
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
6 Month CD
$1,500
0.15%
▼
Rate0.15%
Min Deposit$1,500
Min Balance—
UpdatedJul 20, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
6 Month Simple Certificate of Deposit
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Simple
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
6-Month CD
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Maine 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
1 Year CD
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Term
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Wealth Builder IRA Share Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
12 Month IRA Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
12 Month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
12 Month Certificate of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Fixed Rate Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Term
$0
3.75%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Fixed Rate IRA Share Certificates
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Term IRA Share Certificate
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 12 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Business 12 months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 12 months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
339 Hogan Rd, Bangor, ME 04401 4205
1-Year Share Certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
APY = Annual Percentage Yield
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
339 Hogan Rd, Bangor, ME 04401 4205
6 & 12-month share certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Take advantage of 3.66% APY dividends from our 6 & 12-month share certificate terms.
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Ultimate Insured Share Certificate - 12 Mo.
$250,000
3.60%
▼
Rate3.54%
Min Deposit$250,000
Min Balance—
UpdatedJul 16, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Ultimate Insured Share Certificate - 12 Mo. (Currently Closed to New Shares)
$250,000
3.60%
▼
Rate3.54%
Min Deposit$250,000
Min Balance—
UpdatedJul 16, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificate 12 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Dividends Compounded: daily
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 12 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 180 days
Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
1 year
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
1 Year CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
12 Month Special IRA Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
12 Month Special Certificate of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
150 State St, Augusta, ME 04330
1 Year CD
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
1 Year Certificate of Deposit
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
12 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
12-Month CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Liquid Certificates 12 Months
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Includes one penalty-free withdrawal per quarter.
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
12 Months
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 2.90%, Elevate Account APY: 2.94%
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account 12 Months
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible.
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Business Saver Certificate - 12 Months
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Liquid Certificates 12 Months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Includes one penalty-free withdrawal per quarter.
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
IRA Certificates 12 Month
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
Share Certificates 12 Month
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
12 Months
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible.
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
12 Months
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
12 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Super Saver Share Certificates 12 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 180 days
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
12 Month Certificate of Deposit
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
12 Month IRA Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
12 Month CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY: 1.00%
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
12 Month CD - Benefit Plus
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
177 Main St, Farmington, ME 04938
12 Month CD
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
1-Year CD
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Relationship Rates
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
1-Year CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
1-Year eCD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Online Only
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
1 Year CD
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Maine 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
18 Month Variable Rate IRA CD
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Variable Rate
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
18 Month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
18 Month Certificate of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
18 month
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
18 Month Term
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
467 Congress St, Portland, ME 04101
18-Month M&T Select CD
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
18 Month Term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
18 Months
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificate 18 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Dividends Compounded: daily
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 18 Months
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
Share Certificates 18 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
IRA Certificates 18 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
18 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Liquid Certificates 18 Months
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Includes one penalty-free withdrawal per quarter.
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
18 Months
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 2.95%, Elevate Account APY: 2.99%
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Liquid Certificates 18 Months
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Includes one penalty-free withdrawal per quarter.
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
18 Month Certificate of Deposit
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
18 Month IRA Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
18 Month CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
18 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
18-Month CD/IRA
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Maine 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
24 Month IRA Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
2 Year Certificate of Deposit
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
24 Month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 2 Years
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
24 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 3, 6, 9, 15,18, 24 Months
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
24 Month Term
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
24 Month Term IRA Share Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
24 Months
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 24 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 180 days
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
IRA Certificates 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
Share Certificates 24 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificate 24 months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Dividends Compounded: daily
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 24 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
2 Year CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Business 24 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 24 months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
24 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
2 year
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account 24 Months
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible.
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
24 Months
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 3.00%, Elevate Account APY: 3.04%
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Bump Rate Certificates 24 Months
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 2.90%, Elevate Account APY: 2.94% APY. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
24 Months
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible.
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
24 months
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
1 1/2 Year Certificate of Deposit
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
1 1/2 Year IRA
$100
2.79%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
24 months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
2 Year Certificate of Deposit
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
150 State St, Augusta, ME 04330
2 Year CD
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Super Saver Share Certificates 24 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 180 days
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
2 Year CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
24 Month Certificate of Deposit
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
24 Month IRA Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
24 Month CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
4 1/2 Year Certificate of Deposit
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
2 1/2 Year Certificate of Deposit
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
2-Year CD
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Relationship Rates
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
2-Year CD
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
2 Year CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
2 Year IRA
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
2-Year CD/IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Maine 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
36 Month IRA Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 3 Years
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
36 Month Term
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
36 Month Term
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
36 Month Term IRA Share Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 36 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 365 days
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
3 Year Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 36 Months
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 36 Months
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
36 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
IRA Certificates 36 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
Share Certificates 36 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Business 36 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 36 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
3 year
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
36 months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificate 36 months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Dividends Compounded: daily
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
36 months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
36 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 3.10%, Elevate Account APY: 3.14%
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Bump Rate Certificates 36 Months
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 3.00%, Elevate Account APY: 3.04% APY. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
36 Month CD
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
36 Month
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Super Saver Share Certificates 36 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 365 days
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
36 Month Certificate of Deposit
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
36 Month IRA Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
3 Year CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
3 Year CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
150 State St, Augusta, ME 04330
3 Year CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
3-Year CD
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Relationship Rates
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
3-Year CD
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
3 Year CD
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
3 Year IRA
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
3-Year CD/IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Maine 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 48 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
48 Month IRA Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 4 Years
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 48 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
48 Month Term
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
48 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
48 Month Term IRA Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 48 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 365 days
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
4 Year Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
48 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
48 Months
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
48 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Business 48 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 48 months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
IRA Certificates 48 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
505 SOMERSET AVE, PITTSFIELD, ME 04967
Share Certificates 48 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
4 year
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
48 Months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 3.15%, Elevate Account APY: 3.19%
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Bump Rate Certificates 48 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 3.10%, Elevate Account APY: 3.14% APY. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
48 Month CD
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
48 Month
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
48 Month Certificate of Deposit
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
48 Month IRA Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
4 Year CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
150 State St, Augusta, ME 04330
4 Year CD
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
4 Year Certificate of Deposit
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
4-Year CD
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Relationship Rates
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
4-Year CD
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
4-Year CD/IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Maine 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 60 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
Share Certificates 60 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
60 Month IRA Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 5 Years
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
60 Month CD
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
60 Month Term
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
60 months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
60 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
60 Month Term IRA Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 60 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Penalty: 365 days
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
312 Main St, Saco, ME 04072 1515
60 months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
316 W River RD, Augusta, ME 04330 3992
5 Year Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
375 Main St, Gorham, ME 04038 1336
60 Months
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
Business 60 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 60 months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
101 Western Ave, Hampden, ME 04444
5 year
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
60 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 3.20%, Elevate Account APY: 3.24%
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
50 Riverside Industrial Pkwy, Portland, ME 04103
Bump Rate Certificates 60 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Elevate Account Dividend Rates: 3.20%, Elevate Account APY: 3.25% APY. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
485 WILTON RD, FARMINGTON, ME 04938
IRA Share Certificate 60 months
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Dividends Compounded: daily
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
557 Main St, South Portland, ME 04106 5408
60 Month
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
60 Month Certificate of Deposit
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
60 Month IRA Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
5 Year CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
150 State St, Augusta, ME 04330
5 Year CD
$500
1.01%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
5 Year IRA
$100
1.01%
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
163 Broadway, Farmington, ME 04938
5 Year
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
5 Year CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
5 Year IRA
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
5-Year CD
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Relationship Rates
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
5-Year CD
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
66 Main St, Ellsworth, ME 04605
5-Year CD/IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedJul 20, 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. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Maine CD Rate Trends
Compare local Maine CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — ME Avg
2.108%
▲ 0.262 vs 7 days ago
Maine 12-month CD rates rose 0.262 points over the past 7 days to 2.108% APY.
6-Month CD — ME Avg
2.561%
▲ 0.463 vs 7 days ago
Maine 6-month CD rates rose 0.463 points over the past 7 days to 2.561% APY.
As of Jul 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
ME CD Rate Forecast — Next 12 Months
Where are Maine CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
ME 12-Month Avg APY
2.108%
6-Month Forecast
2.108%
Range: 1.91% – 2.26%
12-Month Forecast
1.858%
Range: 1.66% – 2.01%
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MonitorBankRates
What Your Savings Earn at ME CD Rates Today
Annual interest earnings at today’s Maine average APYs. State average used where available; national average as fallback.
| CD Term | ME Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.091% | $54.55 | $109.09 | $272.73 | $545.45 |
| 6-Month CD | 2.561% | $128.04 | $256.07 | $640.18 | $1,280.35 |
| 12-Month CD | 2.108% | $105.39 | $210.78 | $526.95 | $1,053.90 |
| 18-Month CD | 2.000% | $100.02 | $200.04 | $500.10 | $1,000.20 |
| 24-Month CD | 1.851% | $92.55 | $185.09 | $462.73 | $925.45 |
| 36-Month CD | 1.645% | $82.25 | $164.49 | $411.23 | $822.45 |
| 48-Month CD | 1.873% | $93.67 | $187.33 | $468.33 | $936.65 |
| 60-Month CD | 1.681% | $84.04 | $168.08 | $420.20 | $840.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for Maine Savers
$25,000 split equally across 5 terms using today’s Maine average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | ME Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.091% | $54.55 |
| 2 | 6-Month CD | $5,000 | 2.561% | $128.04 |
| 3 | 12-Month CD | $5,000 | 2.108% | $105.39 |
| 4 | 24-Month CD | $5,000 | 1.851% | $92.55 |
| 5 | 36-Month CD | $5,000 | 1.645% | $82.25 |
| Total ($25,000 invested) | $25,000 | 1.851% blended | $462.78/yr | |
Ladder example uses equal $5,000 rungs and Maine average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
218
CD Rates
Tracked in Maine
Tracked in Maine
12 Banks
15 Credit Unions
About Our Maine CD Rate Database
MonitorBankRates tracks 218 CD rates from 12 banks and 15 credit unions with locations in Maine, plus national online institutions available to Maine residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Maine Highlands Federal Credit Union offers a CD at 4.07% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Maine.
How to Find the Best CD Rates in Maine
What to compare when shopping for a CD in Maine
To find the best APYs in Maine, start with credit unions and online-only banks — Maine has 15 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Maine
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Maine — 27 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Maine savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Maine money market rates
Maine Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
22.4%
National avg: 17.3%
Median Individual Earnings
$44,488
National avg: $47,340
Poverty Rate
10.7%
National avg: 11.1%
Unemployment Rate
3.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$94/yr
At ME 12-mo avg 2.108% APY
22.4% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s ME 12-month CD average of 2.108%, saving 10% of the local median salary ($4,448/year) and putting it in a CD would earn an additional $94 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Maine
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Maine
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Maine typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Maine as everywhere in the U.S.
Choosing a CD Term in Maine
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Maine savers easier access to their funds. For example, Northeast Bank Portland, ME is offering its 6-Month CD at 3.95% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Maine Highlands Federal Credit Union is offering its IRA Certificates 60 Months at 4.07% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Maine Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Maine saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Maine
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Maine CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Maine
Most CDs carry a fixed rate that is locked for the entire term, protecting a Maine depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Maine
Are CD rates in Maine FDIC insured?
Yes, most established banks in Maine are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Maine?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Maine.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Maine may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Maine?
Here are recent top rates found for this area:
- Maine Highlands Federal Credit Union: 4.07% APY (IRA Certificates 48 Months)
- Androscoggin Savings Bank: 4.01% APY (18 Month Variable Rate IRA CD)
- Northeast Bank Portland, ME: 3.95% APY (6-Month CD)
- Gardiner Federal Credit Union: 3.87% APY (24 Month IRA Certificate)
- KV Federal Credit Union: 3.87% APY (2 Year Certificate of Deposit)
- Town & Country Federal Credit Union: 3.82% APY (12 Month)
- Central Maine Federal Credit Union: 3.82% APY (12 Month Term)
- Community Credit Union: 3.82% APY (Jumbo Certificates 4 Years)
- CASCO Federal Credit Union: 3.82% APY (12 Months)
- Evergreen Credit Union Portland, ME: 3.80% APY (Business 6 months)
Rates reflect recent verified offers available in Maine. Last Updated: July 25, 2026
CD Calculators for Maine
Maine CD Calculator
At today’s ME top rate of 4.07% APY, a $10,000 deposit earns $407 in the first year. Enter your amount to see your exact return.
Maine CD LadderME CD rates currently range from 1.091% (3-month) to 1.645% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Maine CD at 4.07% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMaine’s average 12-month CD is 2.108% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Maine CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Maine directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate 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 Maine. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in ME.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: July 25, 2026
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