CD Rates Maine (ME) for April 2026
Content reviewed by
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: 13.03%Real return: +1.27%APY minus CPI (February 2026) offering IRA Certificates 48 Months at 4.07% APY, Downeast Credit UnionDowneast Credit Union23 Third Ave, Baileyville, ME 04694A+5.0 ★Texas Ratio: 4.39%Real return: +1.20%APY minus CPI (February 2026) offering 6-Month CD at 4.00% 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, Milestones Federal Credit UnionMilestones Federal Credit Union291 Pine St, Lewiston, ME 04240A+5.0 ★Texas Ratio: 3.99%Real return: +1.12%APY minus CPI (February 2026) offering 6 Months Share Certificates / IRA Certificates at 3.92% APY, and Community Credit UnionCommunity Credit Union144 Pine St, Lewiston, ME 04240A5.0 ★Texas Ratio: 13.38%Real return: +1.12%APY minus CPI (February 2026) offering Jumbo Certificates 5 Years at 3.92% APY. CD rates as of April 23, 2026 according to verified data from MonitorBankRates.
We compared 333 CD rates from 36 banks and credit unions available in Maine to help you find the best bank CD rates and credit union CD rates across all terms.
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: April 23, 2026
Compare Best CD Rates in Maine
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 3 Month Special
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
3-Month Share Certificates IRAs
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 3 Month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
177 Main St, Bucksport, ME 04416
Premium Certificate 3 Months
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 3 Months
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
IRA eligible.
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—
UpdatedApr 23, 2026
Details
not available for IRAs
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
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
3 Mo. Share Certificate
$100
1.75%
▼
Rate1.74%
Min Deposit$100
Min Balance—
UpdatedApr 23, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
73 Main St, Dexter, ME 04930
Share Certificates 3 Months
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
3 Month Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
3 Months Certificate of Deposit
$500
0.81%
▼
Rate0.80%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
23 Third Ave, Baileyville, ME 04694
6-Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
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—
UpdatedApr 23, 2026
Details
Open Online in Minutes!
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
291 Pine St, Lewiston, ME 04240
6 Months Share Certificates / IRA Certificates
$500
3.92%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 6 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
225 Riverside St, Portland, ME 04103 1038
Share Certificates - Personal & Business 6 months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
44 Edison Dr, Augusta, ME 04330 6033
6 Month Share Certificate or IRA Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 6 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
375 Main St, Gorham, ME 04038 1336
6 Months Certificate
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 6 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 6 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
339 Hogan Rd, Bangor, ME 04401 4205
6-Month Share Certificates
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
6 Month Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
6-Month Share Certificates IRAs
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 23, 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 Fixed-Rate Share Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
316 W River RD, Augusta, ME 04330 3992
6 Month Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
177 Main St, Bucksport, ME 04416
Premium Certificate 6 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
6 Months Certificate of Deposit
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 6 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 6 months
$0
3.31%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 6 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Minimum Balance to open: $2,000.00
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
977 Union St, Bangor, ME 04401
6 Months Share Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
6 Mo. IRA Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
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—
UpdatedApr 23, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
6 Month Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
150 State St, Augusta, ME 04330
6 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 6 Months
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
IRA eligible.
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
73 Main St, Dexter, ME 04930
Share Certificates 6 Months
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
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
$10,000
2.53%
▼
Rate2.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 23, 2026
Details
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.25%
78 Fox St, Madawaska, ME 04756
IRA Certificate 6 Mos
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Premium CDs / IRAs 6 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
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—
UpdatedApr 23, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 12 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
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—
UpdatedApr 23, 2026
Details
Open Online in Minutes!
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
12 Months Certificate of Deposit
$500
3.85%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
12 Month Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 12 months
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
316 W River RD, Augusta, ME 04330 3992
12 Month Share, IRA & HSA Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Variable-Rate IRA Share Certificates 12 Month Term
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
375 Main St, Gorham, ME 04038 1336
12 Months Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 12 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
73 Main St, Dexter, ME 04930
IRA Certificates 12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
44 Edison Dr, Augusta, ME 04330 6033
1 Year Share Certificate or IRA Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
1-Year Share Certificates IRAs
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 1 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 12 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 12 months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
339 Hogan Rd, Bangor, ME 04401 4205
1-Year Share Certificates
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 1 Year
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
177 Main St, Bucksport, ME 04416
Premium Certificate 12 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
291 Pine St, Lewiston, ME 04240
12 Months Share Certificates / IRA Certificates
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
1 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 12 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Minimum Balance to open: $2,000.00
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
1 Year IRA Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 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—
UpdatedApr 23, 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
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
977 Union St, Bangor, ME 04401
12 Months Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 12 Months
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
IRA eligible.
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 12 Months
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Premium CDs / IRAs 1 Year
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
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—
UpdatedApr 23, 2026
Details
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
3.84%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
18 Month Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
316 W River RD, Augusta, ME 04330 3992
18 Month Share, IRA & HSA Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
18 Months Certificate of Deposit
$500
3.80%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
18 Month Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.25%
78 Fox St, Madawaska, ME 04756
IRA Certificate 18 Mos
$1,000
3.68%
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Variable-Rate IRA Share Certificates 18 Month Term
$25
3.67%
▼
Rate3.60%
Min Deposit$25
Min Balance—
UpdatedApr 23, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
177 Main St, Bucksport, ME 04416
Premium Certificate 18 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
375 Main St, Gorham, ME 04038 1336
18 Months Certificate
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
291 Pine St, Lewiston, ME 04240
18 Months Share Certificates / IRA Certificates
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 18 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 18 months
$0
3.36%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
18 Mo. Rippling Waves IRA Certificate
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
allows add'l ($500 minimum) deposits
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—
UpdatedApr 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 18 Months
$500
2.99%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
IRA eligible.
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
73 Main St, Dexter, ME 04930
Share Certificates 18 Months
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
977 Union St, Bangor, ME 04401
18 Months Share Certificates
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
18 Month IRA Special
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Basic CDs/IRAs 18 Months Variable
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
316 W River RD, Augusta, ME 04330 3992
2 Year Share, IRA & HSA Certificates of Deposit
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 24 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
24 Month Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 2 Years
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
24 Months Certificate of Deposit
$500
3.75%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.25%
78 Fox St, Madawaska, ME 04756
IRA Certificate 24 Mos
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
177 Main St, Bucksport, ME 04416
Premium Certificate 24 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Variable-Rate IRA Share Certificates 24 Month Term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
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—
UpdatedApr 23, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
375 Main St, Gorham, ME 04038 1336
24 Months Certificate
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 24 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Minimum Balance to open: $2,000.00
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
2 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 24 months
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
333 Cottage Rd, South Portland, ME 04106 3919
IRA Certificates 2 Years
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
2-Year Share Certificates IRAs
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 24 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 2 year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
291 Pine St, Lewiston, ME 04240
24 Months Share Certificates / IRA Certificates
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 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—
UpdatedApr 23, 2026
Details
Open Online in Minutes!
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 24 months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
44 Edison Dr, Augusta, ME 04330 6033
2 Year Share Certificate or IRA Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 24 Months
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
IRA eligible.
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—
UpdatedApr 23, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 24 months
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
977 Union St, Bangor, ME 04401
24 Months Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
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—
UpdatedApr 23, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Premium CDs / IRAs 2 Years
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
36 Months Certificate of Deposit
$500
3.90%
▼
Rate3.77%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
90th Anniversary Special
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 36 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 3 Years
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 36 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 36 Month Term
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
177 Main St, Bucksport, ME 04416
Premium Certificate 36 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.03%
73 Main St, Dexter, ME 04930
Share Certificates 36 Months
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
316 W River RD, Augusta, ME 04330 3992
3 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 36 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Minimum Balance to open: $2,000.00
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
3 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
375 Main St, Gorham, ME 04038 1336
36 Months Certificate
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
291 Pine St, Lewiston, ME 04240
36 Months Share Certificates / IRA Certificates
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 36 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 3 year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
3-Year Share Certificates IRAs
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
44 Edison Dr, Augusta, ME 04330 6033
3 Year Share Certificate or IRA Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 36 Months
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
IRA eligible.
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 3 Years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 36 months
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 36 months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
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—
UpdatedApr 23, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
36 Month Certificate
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
977 Union St, Bangor, ME 04401
36 Months Share Certificates
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Premium CDs / IRAs 3 Years
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
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: 13.03%
73 Main St, Dexter, ME 04930
IRA Certificates 48 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 4 Years
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 48 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 48 Month Term
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 48 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
177 Main St, Bucksport, ME 04416
Premium Certificate 48 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 48 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Minimum Balance to open: $2,000.00
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
48 Months Certificate of Deposit
$500
3.60%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
316 W River RD, Augusta, ME 04330 3992
4 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
4 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 48 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
375 Main St, Gorham, ME 04038 1336
48 Months Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
225 Riverside St, Portland, ME 04103 1038
IRA Certificates 48 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
333 Cottage Rd, South Portland, ME 04106 3919
IRA Certificates 4 Years
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
291 Pine St, Lewiston, ME 04240
48 Months Share Certificates / IRA Certificates
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
4-Year Share Certificates IRAs
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 4 year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME 04103
Elevate Account Share Certificates 48 Months
$500
3.19%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
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—
UpdatedApr 23, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
48 Month Certificate
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
977 Union St, Bangor, ME 04401
48 Months Share Certificates
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Premium CDs / IRAs 4 Years
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 23, 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%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
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: 13.03%
73 Main St, Dexter, ME 04930
Share Certificates 60 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.38%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 5 Years
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 60 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 60 Month Term
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 23, 2026
Details
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 60 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
177 Main St, Bucksport, ME 04416
Premium Certificate 60 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 60 months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 60 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Minimum Balance to open: $2,000.00
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
43 High St, Caribou, ME 04736
60 Months Certificate of Deposit
$500
3.60%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
316 W River RD, Augusta, ME 04330 3992
5 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
60 Month CD
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
375 Main St, Gorham, ME 04038 1336
60 Months Certificate
$500
3.51%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
5 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
225 Riverside St, Portland, ME 04103 1038
Share Certificates - Personal & Business 60 months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
291 Pine St, Lewiston, ME 04240
60 Months Share Certificates / IRA Certificates
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
50 Riverside Industrial Pkwy, Portland, ME 04103
60 Months Elevate Account Bump Rate Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.44%
44 Edison Dr, Augusta, ME 04330 6033
5 Year Share Certificate or IRA Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 5 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 5 year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
200 Capitol St, Augusta, ME 04330 6238
5-Year Share Certificates IRAs
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 23, 2026
Details
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
485 WILTON RD, FARMINGTON, ME 04938
Share Certificates 60 months
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
60 Month Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
977 Union St, Bangor, ME 04401
60 Months Share Certificates
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 23, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Premium CDs / IRAs 5 Years
$0
1.11%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 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—
UpdatedApr 23, 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%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 23, 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—
UpdatedApr 23, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. 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
2.472%
▲ 0.561 vs 7 days ago
Maine 12-month CD rates rose 0.561 points over the past 7 days to 2.472% APY.
6-Month CD — ME Avg
2.343%
▲ 0.526 vs 7 days ago
Maine 6-month CD rates rose 0.526 points over the past 7 days to 2.343% APY.
As of Apr 23, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
ME 12-Month Avg APY
2.472%
6-Month Forecast
2.472%
Range: 2.27% – 2.62%
12-Month Forecast
2.222%
Range: 2.02% – 2.37%
Powered by
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 | 1.295% | $64.73 | $129.45 | $323.63 | $647.25 |
| 6-Month CD | 2.343% | $117.13 | $234.26 | $585.65 | $1,171.30 |
| 12-Month CD | 2.472% | $123.62 | $247.23 | $618.08 | $1,236.15 |
| 18-Month CD | 1.831% | $91.54 | $183.07 | $457.68 | $915.35 |
| 24-Month CD | 1.716% | $85.82 | $171.64 | $429.10 | $858.20 |
| 36-Month CD | 1.729% | $86.47 | $172.94 | $432.35 | $864.70 |
| 48-Month CD | 1.811% | $90.54 | $181.07 | $452.68 | $905.35 |
| 60-Month CD | 1.845% | $92.26 | $184.52 | $461.30 | $922.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 23, 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 | 1.295% | $64.73 |
| 2 | 6-Month CD | $5,000 | 2.343% | $117.13 |
| 3 | 12-Month CD | $5,000 | 2.472% | $123.62 |
| 4 | 24-Month CD | $5,000 | 1.716% | $85.82 |
| 5 | 36-Month CD | $5,000 | 1.729% | $86.47 |
| Total ($25,000 invested) | $25,000 | 1.911% blended | $477.77/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.
333
CD Rates
Tracked in Maine
Tracked in Maine
11 Banks
23 Credit Unions
About Our Maine CD Rate Database
MonitorBankRates tracks 333 CD rates from 11 banks and 23 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 23 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 — 34 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
$110/yr
At ME 12-mo avg 2.472% 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 2.472%, saving 10% of the local median salary ($4,448/year) and putting it in a CD would earn an additional $110 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 |
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)
- Downeast Credit Union: 4.00% APY (6-Month CD)
- Northeast Bank Portland, ME: 3.95% APY (6-Month CD)
- Milestones Federal Credit Union: 3.92% APY (6 Months Share Certificates / IRA Certificates)
- Community Credit Union: 3.92% APY (Jumbo Certificates 5 Years)
- Aroostook County FS&L Assoc.: 3.90% APY (36 Months Certificate of Deposit)
- Gardiner Federal Credit Union: 3.87% APY (Individual Retirement Account (IRA) Certificates & Share Certificates 36 Month)
- KV Federal Credit Union: 3.87% APY (2 Year Share, IRA & HSA Certificates of Deposit)
- WINTHROP AREA: 3.87% APY (Share and IRA Certificates 12 Months)
- Androscoggin Savings Bank: 3.84% APY (18 Month Variable Rate IRA CD)
Rates reflect recent verified offers available in Maine. Last Updated: April 23, 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 1.295% (3-month) to 1.729% (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 2.472% 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
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 pulling data straight 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: April 23, 2026
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Rate Assistant
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