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CD Rate Trends

Ellsworth, Maine Best CD Rates October 2026

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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Ellsworth, Maine CD rates range from 0.05% to 4.64% APY, verified by MonitorBankRates as of October 23, 2026. Current Ellsworth, Maine CD rates include Machias Savings BankMachias Savings Bank93 High St, Ellsworth, ME 04605A+5.0 ★Texas Ratio: 3.11%Real return: +0.80%APY minus CPIRate verified Oct 22, 2026 offering 36 Month IRA at 4.50% APY, TD BankTD Bank217 High St, Ellsworth, ME 04605A+5.0 ★Texas Ratio: 3.71%Real return: +0.60%APY minus CPIRate verified Oct 22, 2026 offering 24 Month TD Choice CD at 4.30% APY, Bangor Federal Credit UnionBangor Federal Credit Union175 High St Ste 7, Ellsworth, ME 04605 1730A+5.0 ★Texas Ratio: 3.80%Real return: +0.53%APY minus CPIRate verified Oct 23, 2026 offering 5 Year Jumbo Share Certificate at 4.23% APY, Seaboard Federal Credit UnionSeaboard Federal Credit Union200 Main St, Ellsworth, ME 04605A5.0 ★Texas Ratio: 9.09%Real return: +0.43%APY minus CPIRate verified Oct 23, 2026 offering 60 Month Premium Certificate at 4.13% APY, and Maine Savings Federal Credit UnionMaine Savings Federal Credit Union25 Resort Way, Ellsworth, ME 04605A-5.0 ★Texas Ratio: 15.25%Real return: +0.30%APY minus CPIRate verified Oct 23, 2026 offering Share & IRA Certificates - 60 Month at 4.00% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Ellsworth has 156 local institutions in our database, with CD rates as high as 4.50% APY from Machias Savings Bank at 93 High St, Ellsworth, ME 04605. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Maine area. Rates are continually updated, so 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: October 23, 2026

Compare Best CD Rates in Ellsworth, Maine & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Ellsworth 3 Month CD Rates

Maine 3 Month CD Average2.09% APYNational 2.13%▲ 0.09% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
3 Month Premium Certificate
$0
3.20% ▲ 1.11% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 1.11% above avgNationally 2.13%
Details

Rate History
1 change since Sep 25, 2026 · 2.99% → 3.20% ▲ 0.21 pts · high 3.20% / low 2.99%
2.49%3.10%3.70%Sep 25, 2026: 2.99% APYOct 4, 2026: 3.20% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.20%▲ from 2.99%
  • Sep 25, 20262.99%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
3 Month Premium IRA Certificate
$0
3.20% ▲ 1.11% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 1.11% above avgNationally 2.13%
Details

Rate History
No change since Oct 4, 2026 · 3.20% APY · checked 8 times
2.70%3.20%3.70%Oct 4, 2026: 3.20% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
3 Month Business Certificate
$0
3.09% ▲ 1.00% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 1.00% above avgNationally 2.13%
Details

Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 8 times
2.59%3.09%3.59%Oct 4, 2026: 3.09% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
3 Month Certificate
$0
3.09% ▲ 1.00% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 1.00% above avgNationally 2.13%
Details

Rate History
1 change since Sep 25, 2026 · 2.89% → 3.09% ▲ 0.20 pts · high 3.09% / low 2.89%
2.39%2.99%3.59%Sep 25, 2026: 2.89% APYOct 4, 2026: 3.09% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.09%▲ from 2.89%
  • Sep 25, 20262.89%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
3 Month HSA Certificate
$0
3.09% ▲ 1.00% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 1.00% above avgNationally 2.13%
Details

Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 8 times
2.59%3.09%3.59%Oct 4, 2026: 3.09% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
3 Month IRA Certificate
$0
3.09% ▲ 1.00% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 1.00% above avgNationally 2.13%
Details

Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 8 times
2.59%3.09%3.59%Oct 4, 2026: 3.09% APYOct 4, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
3 Month Certificate of Deposit - Benefit Plus
$500
2.53% ▲ 0.44% above Maine avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average2.09%▲ 0.44% above avgNationally 2.13%
Details

Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 3 Months - Benefit Plus
$500
2.53% ▲ 0.44% above Maine avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average2.09%▲ 0.44% above avgNationally 2.13%
Details

Benefit Plus Customers

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
3 Month IRA
$100
2.35% ▲ 0.26% above Maine avg
View
▼
Rate2.32%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average2.09%▲ 0.26% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 30 Days Interest

Rate History
No change since Oct 22, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 22, 2026: 2.35% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
My MSB Certificate of Deposit - 3 Month CD
$500
2.35% ▲ 0.26% above Maine avg
View
▼
Rate2.32%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average2.09%▲ 0.26% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 30 Days Interest

Rate History
No change since Oct 22, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 22, 2026: 2.35% APYOct 22, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
3 Month Certificate of Deposit
$500
2.28% ▲ 0.19% above Maine avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average2.09%▲ 0.19% above avgNationally 2.13%
Details

Interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 2.28% APY · checked 8 times
1.78%2.28%2.78%Sep 18, 2026: 2.28% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 3 Months
$500
2.28% ▲ 0.19% above Maine avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average2.09%▲ 0.19% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 2.28% APY · checked 8 times
1.78%2.28%2.78%Sep 18, 2026: 2.28% APYSep 18, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
3 Month TD Choice CD
$250
2.00% ▼ 0.09% below Maine avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average2.09%▼ 0.09% below avgNationally 2.13%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
3 Month TD Choice CD
$250
1.99% ▼ 0.10% below Maine avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average2.09%▼ 0.10% below avgNationally 2.13%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
66 Main St, Ellsworth, ME 04605
90-Day CD
$500
0.05% ▼ 2.04% below Maine avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average2.09%▼ 2.04% below avgNationally 2.13%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 3 Month Certificate
$5,000
3.75% ▲ 1.66% above Maine avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average2.09%▲ 1.66% above avgNationally 2.13%
Details

Rate = dividend rate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
Personal CD 3 Months
$500
3.56% ▲ 1.47% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average2.09%▲ 1.47% above avgNationally 2.13%
Details

Minimum daily balance to earn APY is $.01; $500 minimum deposit to open account

Rate History
No change since Oct 22, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 25, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Individual Retirement Account (IRA) Certificates & Share Certificates - 3 Month
$0
3.56% ▲ 1.47% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 1.47% above avgNationally 2.13%
Details

Table heading: Individual Retirement Account (IRA) Certificates & Share Certificates; Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 25, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
3 Month IRA Certificate
$500
3.56% ▲ 1.47% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 1.47% above avgNationally 2.13%
Details

Term: 3, 6, 9, 15, 18, 24 Months; A penalty may be imposed for early withdrawal

Rate History
No change since Sep 21, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 21, 2026: 3.56% APYSep 21, 2026Oct 25, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 3 Month
$0
3.56% ▲ 1.47% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average2.09%▲ 1.47% above avgNationally 2.13%
Details

Balance: $500.00 and over

Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 25, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month Roth Share Certificate
$500
3.50% ▲ 1.41% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average2.09%▲ 1.41% above avgNationally 2.13%
Details

Effective as of 06/01/2026; View IRA/Roth IRA Certificates Rates

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month Share Certificate
$500
3.50% ▲ 1.41% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average2.09%▲ 1.41% above avgNationally 2.13%
Details

Effective as of 06/01/2026

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 3 Months - Elevate Account
$500
2.78% ▲ 0.69% above Maine avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average2.09%▲ 0.69% above avgNationally 2.13%
Details

Elevate Account rate: dividend 2.75%, APY 2.78%; $500 minimum balance required to open; early withdrawal penalty may apply; IRA eligible

Rate History
No change since Oct 13, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 13, 2026: 2.78% APYOct 13, 2026Oct 25, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Share Certificate - 3 Months
$0
2.75% ▲ 0.66% above Maine avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average2.09%▲ 0.66% above avgNationally 2.13%
Details

No Early Withdrawal Penalty; $500 minimum balance required to earn APY

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 3 Months
$500
2.68% ▲ 0.59% above Maine avg
View
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average2.09%▲ 0.59% above avgNationally 2.13%
Details

Dividend rate 2.65%, APY 2.68%; $500 minimum balance required to open; early withdrawal penalty may apply; IRA eligible

Rate History
No change since Oct 13, 2026 · 2.68% APY · checked 2 times
2.18%2.68%3.18%Oct 13, 2026: 2.68% APYOct 13, 2026Oct 25, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3 Month IRA Certificates
$0
2.27% ▲ 0.18% above Maine avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 0.18% above avgNationally 2.13%
Details

Rate History
1 change since Sep 20, 2026 · 2.02% → 2.27% ▲ 0.25 pts · high 2.27% / low 2.02%
1.52%2.15%2.77%Sep 20, 2026: 2.02% APYOct 23, 2026: 2.27% APYSep 20, 2026Oct 25, 2026
  • Oct 23, 20262.27%▲ from 2.02%
  • Sep 20, 20262.02%first recorded
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3 Month Share Certificates
$0
2.27% ▲ 0.18% above Maine avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 0.18% above avgNationally 2.13%
Details

Rate History
1 change since Sep 20, 2026 · 2.02% → 2.27% ▲ 0.25 pts · high 2.27% / low 2.02%
1.52%2.15%2.77%Sep 20, 2026: 2.02% APYOct 23, 2026: 2.27% APYSep 20, 2026Oct 25, 2026
  • Oct 23, 20262.27%▲ from 2.02%
  • Sep 20, 20262.02%first recorded
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3 Month CD
$500
2.25% ▲ 0.16% above Maine avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average2.09%▲ 0.16% above avgNationally 2.13%
Details

CD only, not available for IRAs; APY assumes interest remains on deposit until maturity; early withdrawal penalty may apply

Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 19, 2026: 2.25% APYSep 19, 2026Oct 25, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3 Month Certificate
$500
2.25% ▲ 0.16% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 0.16% above avgNationally 2.13%
Details

APY (as high as); Share Certificates & IRA Certificates

Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APYSep 25, 2026Oct 25, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
3 Mo. Share Certificate
$100
2.15% ▲ 0.06% above Maine avg
View
▼
Rate2.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▲ 0.06% above avgNationally 2.13%
Details

Dividend Rate column; Penalty for early withdrawal applies

Rate History
2 changes since Sep 30, 2026 · 1.65% → 2.15% ▲ 0.50 pts · high 2.15% / low 1.65%
1.15%1.90%2.65%Sep 30, 2026: 1.65% APYOct 6, 2026: 1.90% APYOct 23, 2026: 2.15% APYSep 30, 2026Oct 25, 2026
  • Oct 23, 20262.15%▲ from 1.90%
  • Oct 6, 20261.90%▲ from 1.65%
  • Sep 30, 20261.65%first recorded
First Federal S&L Bath
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
90 Day Certificate of Deposit
$1,000
2.02% ▼ 0.07% below Maine avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average2.09%▼ 0.07% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
3 Month Share Certificate
$500
2.02% ▼ 0.07% below Maine avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▼ 0.07% below avgNationally 2.13%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 8, 2026: 2.02% APYOct 8, 2026Oct 25, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
Share Certificates - 3 Months
$500
1.51% ▼ 0.58% below Maine avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▼ 0.58% below avgNationally 2.13%
Details

Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 25, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3 Month Certificate
$500
1.00% ▼ 1.09% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▼ 1.09% below avgNationally 2.13%
Details

Penalties may apply for early withdrawal

Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 20, 2026: 1.00% APYSep 20, 2026Oct 25, 2026
Eastmill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$1,000
0.95% ▼ 1.14% below Maine avg
View
▼
Rate0.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▼ 1.14% below avgNationally 2.13%
Details

Certificates $1,000.00 minimum; APY accurate as of 4/1/2026; dividend rate fixed for term; applies to Share and IRA Certificates

Rate History
No change since Oct 22, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Oct 22, 2026: 0.95% APYOct 22, 2026Oct 25, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA Certificate - 3 Months
$0
0.95% ▼ 1.14% below Maine avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average2.09%▼ 1.14% below avgNationally 2.13%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
No change since Oct 13, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Oct 13, 2026: 0.95% APYOct 13, 2026Oct 25, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Certificate of Deposit - 3 Months
$500
0.81% ▼ 1.28% below Maine avg
View
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average2.09%▼ 1.28% below avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 0.81% APY · checked 3 times
0.31%0.81%1.31%Oct 14, 2026: 0.81% APYOct 14, 2026Oct 25, 2026
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
RSB 3-Month Certificate
$500
0.25% ▼ 1.84% below Maine avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average2.09%▼ 1.84% below avgNationally 2.13%
Details

Rate History
No change since Oct 3, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Oct 3, 2026: 0.25% APYOct 3, 2026Oct 25, 2026
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
3 month CD/IRA
$500
0.20% ▼ 1.89% below Maine avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average2.09%▼ 1.89% below avgNationally 2.13%
Details

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 11 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 25, 2026
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
3-month CD/IRA
$500
0.20% ▼ 1.89% below Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average2.09%▼ 1.89% below avgNationally 2.13%
Details

Minimum deposit to open the CD and obtain the APY is $500

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 11 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 25, 2026

Ellsworth 6 Month CD Rates

Maine 6 Month CD Average3.26% APYNational 2.78%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
175 High St Ste 7, Ellsworth, ME 04605 1730
6 Month Jumbo Share Certificate
$100,000
3.97% ▲ 0.71% above Maine avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.71% above avgNationally 2.78%
Details

Not available for IRA or Coverdell; Dividend rates guaranteed from time of purchase to maturity

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
6 Month Premium Certificate
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Rate History
1 change since Sep 25, 2026 · 3.51% → 3.71% ▲ 0.20 pts · high 3.71% / low 3.51%
3.01%3.61%4.21%Sep 25, 2026: 3.51% APYOct 4, 2026: 3.71% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.71%▲ from 3.51%
  • Sep 25, 20263.51%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
6 Month Premium IRA Certificate
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Rate History
No change since Oct 4, 2026 · 3.71% APY · checked 8 times
3.21%3.71%4.21%Oct 4, 2026: 3.71% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
6 Month Business Certificate
$0
3.61% ▲ 0.35% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.35% above avgNationally 2.78%
Details

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 8 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
6 Month Certificate
$0
3.61% ▲ 0.35% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.35% above avgNationally 2.78%
Details

Rate History
1 change since Sep 25, 2026 · 3.40% → 3.61% ▲ 0.21 pts · high 3.61% / low 3.40%
2.90%3.51%4.11%Sep 25, 2026: 3.40% APYOct 4, 2026: 3.61% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.61%▲ from 3.40%
  • Sep 25, 20263.40%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
6 Month HSA Certificate
$0
3.61% ▲ 0.35% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.35% above avgNationally 2.78%
Details

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 8 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
6 Month IRA Certificate
$0
3.61% ▲ 0.35% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.35% above avgNationally 2.78%
Details

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 8 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 25, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
125 High St, Ellsworth, ME 04605
6-month CD
$1,000
3.50% ▲ 0.24% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.26%▲ 0.24% above avgNationally 2.78%
Details

CD special; available to Relationship Rewards, Platinum Checking, or any business checking account holders; also available as an IRA CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
125 High St, Ellsworth, ME 04605
6-month IRA CD
$1,000
3.50% ▲ 0.24% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.26%▲ 0.24% above avgNationally 2.78%
Details

IRA CD special; available only to Relationship Rewards, Platinum Checking, or any business checking account holders; also available as a CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
66 Main St, Ellsworth, ME 04605
6-Month CD
$1,000
3.35% ▲ 0.09% above Maine avg
View
▼
Rate3.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.26%▲ 0.09% above avgNationally 2.78%
Details

Minimum balance $1,000.00; for individuals only; personal checking account required; new money only; offer for new accounts opened on or after 3/4/2026

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 25, 2026
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
181 State St, Ellsworth, ME 04605
6-Month Certificate
$500
3.30% ▲ 0.04% above Maine avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.26%▲ 0.04% above avgNationally 2.78%
Details

Rate History
No change since Oct 20, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 20, 2026: 3.30% APYOct 20, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share Certificate - 6 Month
$500
3.25% ▼ 0.01% below Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▼ 0.01% below avgNationally 2.78%
Details

Not available for IRA

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.25% ▲ 0.50 pts · high 3.25% / low 2.75%
2.25%3.00%3.75%Sep 14, 2026: 2.75% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.25%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
6 Month IRA
$100
2.60% ▼ 0.66% below Maine avg
View
▼
Rate2.57%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.26%▼ 0.66% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Oct 22, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 22, 2026: 2.60% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
My MSB Certificate of Deposit - 6 Month CD
$500
2.60% ▼ 0.66% below Maine avg
View
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.26%▼ 0.66% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Oct 22, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 22, 2026: 2.60% APYOct 22, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
6 Month TD Choice CD
$250
2.00% ▼ 1.26% below Maine avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.26%▼ 1.26% below avgNationally 2.78%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
6 Month TD Choice CD
$250
1.99% ▼ 1.27% below Maine avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.26%▼ 1.27% below avgNationally 2.78%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
6 Month Certificate of Deposit - Benefit Plus
$500
0.70% ▼ 2.56% below Maine avg
View
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.26%▼ 2.56% below avgNationally 2.78%
Details

Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 6 Months - Benefit Plus
$500
0.70% ▼ 2.56% below Maine avg
View
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.26%▼ 2.56% below avgNationally 2.78%
Details

Benefit Plus Customers

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
6 Month Certificate of Deposit
$500
0.45% ▼ 2.81% below Maine avg
View
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.26%▼ 2.81% below avgNationally 2.78%
Details

Interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 8 times
0.00%0.48%0.95%Sep 18, 2026: 0.45% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 6 Months
$500
0.45% ▼ 2.81% below Maine avg
View
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.26%▼ 2.81% below avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 8 times
0.00%0.48%0.95%Sep 18, 2026: 0.45% APYSep 18, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
6 Month TD No Catch CD
$0
0.05% ▼ 3.21% below Maine avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.26%▼ 3.21% below avgNationally 2.78%
Details

6 Month TD No Catch CD

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Propel Relationship CDs - 6-Month CD
$5,000
4.40% ▲ 1.14% above Maine avg
View
▼
Rate4.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.26%▲ 1.14% above avgNationally 2.78%
Details

Propel Relationship CD; requires Propel Premier Checking and Propel Preferred Savings; includes additional 0.15% APY; must be opened in a banking center; opening deposit must be new money; APY effective as of 10/14/2026

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 18, 2026: 4.15% APYOct 20, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20264.40%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Certificates of Deposit - 6-Month CD
$5,000
4.25% ▲ 0.99% above Maine avg
View
▼
Rate4.17%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.26%▲ 0.99% above avgNationally 2.78%
Details

Opening deposit must be new money; early withdrawal penalties may apply; Consumer accounts available to Maine and New Hampshire residents only

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Certificate
$500
4.20% ▲ 0.94% above Maine avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.94% above avgNationally 2.78%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 25, 2026: 3.75% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.20%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
6 Month Jumbo Share Certificates
$0
4.20% ▲ 0.94% above Maine avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.94% above avgNationally 2.78%
Details

Rate History
1 change since Sep 24, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 24, 2026: 4.05% APYOct 19, 2026: 4.20% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.20%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo IRA Certificates - 6 Month
$0
4.20% ▲ 0.94% above Maine avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 6 Month Certificate
$500
4.10% ▲ 0.84% above Maine avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.84% above avgNationally 2.78%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 6 Month Certificate
$500
4.10% ▲ 0.84% above Maine avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 6 Months
$500
4.10% ▲ 0.84% above Maine avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
IRA Certificates - 6 months
$0
4.05% ▲ 0.79% above Maine avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.79% above avgNationally 2.78%
Details

Early withdrawal subject to 90 day dividend penalty, whether earned or not.

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Share Certificate - 6 Months
$500
4.05% ▲ 0.79% above Maine avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.79% above avgNationally 2.78%
Details

Early withdrawal subject to 90 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Month Certificate
$1,000
4.00% ▲ 0.74% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.74% above avgNationally 2.78%
Details

APY (as high as); Share Certificates & IRA Certificates

Rate History
1 change since Sep 25, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 25, 2026: 3.80% APYOct 4, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.00%▲ from 3.80%
  • Sep 25, 20263.80%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
6 Month Share and IRA Certificates
$500
3.97% ▲ 0.71% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.71% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 19, 2026: 3.97% APYOct 19, 2026Oct 25, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 6 Month Special - Elevate Account
$500
3.92% ▲ 0.66% above Maine avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.66% above avgNationally 2.78%
Details

Elevate Account rate: dividend 3.85%, APY 3.92%; $500 minimum balance required to open; early withdrawal penalty may apply; IRA eligible

Rate History
No change since Oct 13, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 25, 2026
Eastmill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
3.87% ▲ 0.61% above Maine avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.61% above avgNationally 2.78%
Details

Certificates $1,000.00 minimum; APY accurate as of 4/1/2026; dividend rate fixed for term; applies to Share and IRA Certificates

Rate History
No change since Oct 22, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 22, 2026: 3.87% APYOct 22, 2026Oct 25, 2026
Brewer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
6 Month Certificate
$500
3.87% ▲ 0.61% above Maine avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.61% above avgNationally 2.78%
Details

Certificate Rates (Regular and IRA); Effective October 6, 2026

Rate History
No change since Oct 22, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 22, 2026: 3.87% APYOct 22, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
6 Month Share Certificate
$0
3.85% ▲ 0.59% above Maine avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.59% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 1, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Individual Retirement Account (IRA) Certificates & Share Certificates - 6 Month
$0
3.82% ▲ 0.56% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.56% above avgNationally 2.78%
Details

Table heading: Individual Retirement Account (IRA) Certificates & Share Certificates; Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 25, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 6 Month Special
$500
3.82% ▲ 0.56% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.56% above avgNationally 2.78%
Details

Dividend rate 3.75%, APY 3.82%; $500 minimum balance required to open; early withdrawal penalty may apply; IRA eligible

Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 25, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 6 Month Term
$0
3.76% ▲ 0.50% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.50% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.76% APY · checked 3 times
3.26%3.76%4.26%Oct 12, 2026: 3.76% APYOct 12, 2026Oct 25, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Certificate of Deposit - 6 Months
$500
3.75% ▲ 0.49% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.26%▲ 0.49% above avgNationally 2.78%
Details

Rate History
1 change since Oct 14, 2026 · 3.90% → 3.75% ▼ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 14, 2026: 3.90% APYOct 22, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
  • Oct 22, 20263.75%▼ from 3.90%
  • Oct 14, 20263.90%first recorded
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Share Certificates - 6 Months
$2,500
3.75% ▲ 0.49% above Maine avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.49% above avgNationally 2.78%
Details

Additional deposits not allowed; dividend withdrawal allowed; certificate renewal automatic

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
6 Month Share Certificate & IRA Certificate
$500
3.75% ▲ 0.49% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.49% above avgNationally 2.78%
Details

Call to Open

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 4.00% APYSep 27, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20263.75%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA Certificate - 6 Months
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.71% ▼ 0.11 pts · high 3.82% / low 3.71%
3.21%3.77%4.32%Sep 14, 2026: 3.82% APYSep 17, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
  • Sep 17, 20263.71%▼ from 3.82%
  • Sep 14, 20263.82%first recorded
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Share Certificates - 6 Months
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Dividends are compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.71% ▼ 0.11 pts · high 3.82% / low 3.71%
3.21%3.77%4.32%Sep 14, 2026: 3.82% APYSep 17, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
  • Sep 17, 20263.71%▼ from 3.82%
  • Sep 14, 20263.82%first recorded
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
6 Month Jumbo Certificates
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 13, 2026: 3.71% APYOct 13, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Jumbo Certificates - 6 Months
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Minimum balance $100,000; Membership eligibility required; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 13, 2026: 3.71% APYOct 13, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Share Certificates - 6 Months
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45%
2.95%3.58%4.21%Sep 14, 2026: 3.45% APYOct 19, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.71%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 6 Month
$0
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Balance: $50,000.00 and over

Rate History
No change since Oct 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 14, 2026: 3.71% APYOct 14, 2026Oct 25, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Certificate - 6 Months
$500
3.71% ▲ 0.45% above Maine avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.26%▲ 0.45% above avgNationally 2.78%
Details

Certificates; Dividends compound monthly; Interest Rate Type: Fixed; Rates accurate as of 04/08/2026

Rate History
No change since Oct 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 14, 2026: 3.71% APYOct 14, 2026Oct 25, 2026

Ellsworth 12 Month CD Rates

Maine 12 Month CD Average3.44% APYNational 2.99%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
12 Month TD Choice CD
$250
4.15% ▲ 0.71% above Maine avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.44%▲ 0.71% above avgNationally 2.99%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
12 Month TD Choice CD
$250
4.14% ▲ 0.70% above Maine avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.44%▲ 0.70% above avgNationally 2.99%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 25, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
175 High St Ste 7, Ellsworth, ME 04605 1730
1 Year Jumbo Share Certificate
$100,000
4.02% ▲ 0.58% above Maine avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.58% above avgNationally 2.99%
Details

Dividend rates guaranteed from time of purchase to maturity

Rate History
No change since Oct 23, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 23, 2026: 4.02% APYOct 23, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
12 Month Premium Certificate
$0
3.97% ▲ 0.53% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.53% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 25, 2026 · 3.56% → 3.97% ▲ 0.41 pts · high 3.97% / low 3.56%
3.06%3.77%4.47%Sep 25, 2026: 3.56% APYOct 4, 2026: 3.76% APYOct 8, 2026: 3.97% APYSep 25, 2026Oct 25, 2026
  • Oct 8, 20263.97%▲ from 3.76%
  • Oct 4, 20263.76%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
12 Month Premium IRA Certificate
$0
3.97% ▲ 0.53% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.53% above avgNationally 2.99%
Details

Rate History
1 change since Oct 4, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Oct 4, 2026: 3.76% APYOct 8, 2026: 3.97% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20263.97%▲ from 3.76%
  • Oct 4, 20263.76%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
12 Month Business Certificate
$0
3.87% ▲ 0.43% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.43% above avgNationally 2.99%
Details

Rate History
1 change since Oct 4, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Oct 4, 2026: 3.66% APYOct 8, 2026: 3.87% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20263.87%▲ from 3.66%
  • Oct 4, 20263.66%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
12 Month Certificate
$0
3.87% ▲ 0.43% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.43% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 25, 2026 · 3.45% → 3.87% ▲ 0.42 pts · high 3.87% / low 3.45%
2.95%3.66%4.37%Sep 25, 2026: 3.45% APYOct 4, 2026: 3.66% APYOct 8, 2026: 3.87% APYSep 25, 2026Oct 25, 2026
  • Oct 8, 20263.87%▲ from 3.66%
  • Oct 4, 20263.66%▲ from 3.45%
  • Sep 25, 20263.45%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
12 Month HSA Certificate
$0
3.87% ▲ 0.43% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.43% above avgNationally 2.99%
Details

Rate History
1 change since Oct 4, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Oct 4, 2026: 3.66% APYOct 8, 2026: 3.87% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20263.87%▲ from 3.66%
  • Oct 4, 20263.66%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
12 Month IRA Certificate
$0
3.87% ▲ 0.43% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.43% above avgNationally 2.99%
Details

Rate History
1 change since Oct 4, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Oct 4, 2026: 3.66% APYOct 8, 2026: 3.87% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20263.87%▲ from 3.66%
  • Oct 4, 20263.66%first recorded
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
125 High St, Ellsworth, ME 04605
12-month CD
$1,000
3.75% ▲ 0.31% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▲ 0.31% above avgNationally 2.99%
Details

CD special; available only to Relationship Rewards Checking, Platinum Checking, or any Business Checking account holders; also available as an IRA CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
125 High St, Ellsworth, ME 04605
12-month IRA CD
$1,000
3.75% ▲ 0.31% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▲ 0.31% above avgNationally 2.99%
Details

IRA CD special; available only to Relationship Rewards Checking, Platinum Checking, or any Business Checking account holders; also available as a CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
12 Month IRA
$100
3.50% ▲ 0.06% above Maine avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.44%▲ 0.06% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
My MSB Certificate of Deposit - 12 Month CD
$500
3.50% ▲ 0.06% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.44%▲ 0.06% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share & IRA Certificates - 12 Month
$500
3.50% ▲ 0.06% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.06% above avgNationally 2.99%
Details

Dividends compounded monthly and credited monthly

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share Certificate - 1 year
$500
3.50% ▲ 0.06% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.06% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
181 State St, Ellsworth, ME 04605
1-Year Certificate
$500
3.45% ▲ 0.01% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Oct 20, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 20, 2026: 3.45% APYOct 20, 2026Oct 25, 2026
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
181 State St, Ellsworth, ME 04605
My Ca$h Sta$h 1-Year Certificate of Deposit
$100
3.45% ▲ 0.01% above Maine avg
View
▼
Rate3.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▲ 0.01% above avgNationally 2.99%
Details

Youth account

Rate History
1 change since Sep 19, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Sep 19, 2026: 3.35% APYOct 14, 2026: 3.45% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20263.45%▲ from 3.35%
  • Sep 19, 20263.35%first recorded
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
66 Main St, Ellsworth, ME 04605
12-Month CD
$1,000
3.00% ▼ 0.44% below Maine avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.44%▼ 0.44% below avgNationally 2.99%
Details

Minimum balance $1,000.00; new money only; offer for new accounts opened on or after 3/4/2026

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
175 High St Ste 7, Ellsworth, ME 04605 1730
Certificate - 1 Year
$50
2.78% ▼ 0.66% below Maine avg
View
▼
Rate2.75%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▼ 0.66% below avgNationally 2.99%
Details

Term: 1 Year (not available for IRA or Coverdell); Truth-in-Savings Disclosure for Certificates

Rate History
2 changes since Sep 14, 2026 · 3.66% → 2.78% ▼ 0.88 pts · high 3.66% / low 2.63%
1.60%3.15%4.69%Sep 14, 2026: 3.66% APYOct 5, 2026: 2.63% APYOct 9, 2026: 2.78% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20262.78%▲ from 2.63%
  • Oct 5, 20262.63%▼ from 3.66%
  • Sep 14, 20263.66%first recorded
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
12 Month Certificate of Deposit - Benefit Plus
$500
0.85% ▼ 2.59% below Maine avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▼ 2.59% below avgNationally 2.99%
Details

Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 8 times
0.35%0.85%1.35%Sep 18, 2026: 0.85% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 12 Months - Benefit Plus
$500
0.85% ▼ 2.59% below Maine avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▼ 2.59% below avgNationally 2.99%
Details

Benefit Plus Customers

Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 8 times
0.35%0.85%1.35%Sep 18, 2026: 0.85% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
12 Month Certificate of Deposit
$500
0.60% ▼ 2.84% below Maine avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▼ 2.84% below avgNationally 2.99%
Details

Interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
12 Month Great Start CD for Kids
$500
0.60% ▼ 2.84% below Maine avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▼ 2.84% below avgNationally 2.99%
Details

Minimum daily balance $100 to earn APY; Under age 18 eligible; adult co-owner required for minors under 16

Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 14, 2026: 0.60% APYOct 14, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 12 Months
$500
0.60% ▼ 2.84% below Maine avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▼ 2.84% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 18, 2026: 0.60% APYSep 18, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
12 Month TD IRA Add-Vantage CD
$0
0.05% ▼ 3.39% below Maine avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.44%▼ 3.39% below avgNationally 2.99%
Details

12 Month TD IRA Add-Vantage CD; IRA certificate

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
12 Month TD No Catch CD
$0
0.05% ▼ 3.39% below Maine avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.44%▼ 3.39% below avgNationally 2.99%
Details

12 Month TD No Catch CD

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Propel Relationship CDs - 1 Year CD
$5,000
4.55% ▲ 1.11% above Maine avg
View
▼
Rate4.46%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▲ 1.11% above avgNationally 2.99%
Details

Propel Relationship CD; requires Propel Premier Checking and Propel Preferred Savings; includes additional 0.15% APY; must be opened in a banking center; opening deposit must be new money; APY effective as of 10/14/2026

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.55% ▲ 0.30 pts · high 4.55% / low 4.25%
3.75%4.40%5.05%Sep 18, 2026: 4.25% APYOct 20, 2026: 4.55% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20264.55%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Certificates of Deposit - 1 Year CD
$5,000
4.40% ▲ 0.96% above Maine avg
View
▼
Rate4.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.44%▲ 0.96% above avgNationally 2.99%
Details

Opening deposit must be new money; early withdrawal penalties may apply; Consumer accounts available to Maine and New Hampshire residents only

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1 Year Certificate
$500
4.30% ▲ 0.86% above Maine avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.86% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.85% → 4.30% ▲ 0.45 pts · high 4.30% / low 3.85%
3.35%4.08%4.80%Sep 25, 2026: 3.85% APYOct 4, 2026: 4.30% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.30%▲ from 3.85%
  • Sep 25, 20263.85%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA 1 Year Certificate
$500
4.30% ▲ 0.86% above Maine avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Oct 4, 2026: 4.30% APYOct 4, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 12 Month Certificate
$500
4.30% ▲ 0.86% above Maine avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.44%▲ 0.86% above avgNationally 2.99%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
1 Year Jumbo Share Certificates
$0
4.30% ▲ 0.86% above Maine avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.44%▲ 0.86% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 24, 2026: 4.00% APYOct 19, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.30%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo IRA Certificates - 1 Year
$0
4.30% ▲ 0.86% above Maine avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.44%▲ 0.86% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 19, 2026: 4.30% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 1 Year Certificate
$500
4.20% ▲ 0.76% above Maine avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.44%▲ 0.76% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 19, 2026: 4.20% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 1 Year
$500
4.20% ▲ 0.76% above Maine avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.44%▲ 0.76% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 25, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Certificate of Deposit - 12 Months
$500
4.15% ▲ 0.71% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.44%▲ 0.71% above avgNationally 2.99%
Details

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 14, 2026: 4.00% APYOct 22, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
  • Oct 22, 20264.15%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Month Certificate
$1,000
4.10% ▲ 0.66% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.66% above avgNationally 2.99%
Details

APY (as high as); Share Certificates & IRA Certificates

Rate History
1 change since Sep 25, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 25, 2026: 3.80% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.10%▲ from 3.80%
  • Sep 25, 20263.80%first recorded
Bar Harbor SLA
Institution Rating:
A-4.9 ★Texas Ratio: 15.99%
12 Month CD
$500
4.07% ▲ 0.63% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.63% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.40% → 4.07% ▲ 0.67 pts · high 4.07% / low 3.40%
2.73%3.74%4.74%Sep 14, 2026: 3.40% APYOct 8, 2026: 3.50% APYOct 23, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.07%▲ from 3.50%
  • Oct 8, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month Share and IRA Certificates
$500
4.07% ▲ 0.63% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.44%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 19, 2026: 4.07% APYOct 19, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 12 Month
$0
4.02% ▲ 0.58% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.58% above avgNationally 2.99%
Details

Balance: $150,000.00 and over

Rate History
No change since Oct 23, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 23, 2026: 4.02% APYOct 23, 2026Oct 25, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
1 Year IRA Certificate
$1,000
4.00% ▲ 0.56% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.56% above avgNationally 2.99%
Details

Dividends compounded monthly; dividends credited monthly; dividend period monthly; balance method Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 25, 2026: 3.90% APYOct 8, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
  • Oct 8, 20264.00%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
1 Year Share Certificate
$1,000
4.00% ▲ 0.56% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.56% above avgNationally 2.99%
Details

Dividends Compounded Monthly; Dividends Credited Monthly; Dividends Period Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 25, 2026
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Share Certificates - 12 Months
$2,500
4.00% ▲ 0.56% above Maine avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.56% above avgNationally 2.99%
Details

Additional deposits not allowed; dividend withdrawal allowed; certificate renewal automatic

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
IRA Certificates - 12 months
$0
4.00% ▲ 0.56% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.44%▲ 0.56% above avgNationally 2.99%
Details

Early withdrawal subject to 180 day dividend penalty, whether earned or not.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Share Certificate - 12 Months
$500
4.00% ▲ 0.56% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.44%▲ 0.56% above avgNationally 2.99%
Details

Early withdrawal subject to 180 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12 Month Share Certificate
$0
4.00% ▲ 0.56% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.44%▲ 0.56% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
12 Month IRA Certificate
$500
3.97% ▲ 0.53% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.53% above avgNationally 2.99%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 8, 2026: 3.97% APYOct 8, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
12 Month Share Certificate
$500
3.97% ▲ 0.53% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.53% above avgNationally 2.99%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 8, 2026: 3.97% APYOct 8, 2026Oct 25, 2026
Eastmill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$1,000
3.97% ▲ 0.53% above Maine avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.53% above avgNationally 2.99%
Details

Certificates $1,000.00 minimum; APY accurate as of 4/1/2026; dividend rate fixed for term; applies to Share and IRA Certificates

Rate History
No change since Oct 22, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 22, 2026: 3.97% APYOct 22, 2026Oct 25, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA Certificate - 1 Year
$0
3.97% ▲ 0.53% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.44%▲ 0.53% above avgNationally 2.99%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.97% ▲ 0.26 pts · high 3.97% / low 3.71%
3.21%3.84%4.47%Sep 14, 2026: 3.71% APYSep 17, 2026: 3.82% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.82%
  • Sep 17, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded

Ellsworth 18 Month CD Rates

Maine 18 Month CD Average3.37% APYNational 2.88%▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
18 Month TD Choice CD
$250
4.25% ▲ 0.88% above Maine avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.37%▲ 0.88% above avgNationally 2.88%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
18 Month TD Choice CD
$250
4.24% ▲ 0.87% above Maine avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.37%▲ 0.87% above avgNationally 2.88%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
175 High St Ste 7, Ellsworth, ME 04605 1730
18 Month Jumbo Share Certificate
$100,000
4.07% ▲ 0.70% above Maine avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.70% above avgNationally 2.88%
Details

Not available for IRA or Coverdell; Dividend rates guaranteed from time of purchase to maturity

Rate History
No change since Oct 23, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
18 Month Premium Certificate
$0
4.02% ▲ 0.65% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.65% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 25, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
3.06%3.79%4.52%Sep 25, 2026: 3.56% APYOct 4, 2026: 3.87% APYOct 8, 2026: 4.02% APYSep 25, 2026Oct 25, 2026
  • Oct 8, 20264.02%▲ from 3.87%
  • Oct 4, 20263.87%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
18 Month Premium IRA Certificate
$0
4.02% ▲ 0.65% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.65% above avgNationally 2.88%
Details

Rate History
1 change since Oct 4, 2026 · 3.87% → 4.02% ▲ 0.15 pts · high 4.02% / low 3.87%
3.37%3.95%4.52%Oct 4, 2026: 3.87% APYOct 8, 2026: 4.02% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20264.02%▲ from 3.87%
  • Oct 4, 20263.87%first recorded
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share & IRA Certificates - 18 Month
$500
3.95% ▲ 0.58% above Maine avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.58% above avgNationally 2.88%
Details

Dividends compounded monthly and credited monthly

Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 15, 2026: 3.95% APYOct 15, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share Certificate - 18 Month
$500
3.95% ▲ 0.58% above Maine avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.58% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.95%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
18 Month Business Certificate
$0
3.92% ▲ 0.55% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.55% above avgNationally 2.88%
Details

Rate History
1 change since Oct 4, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Oct 4, 2026: 3.76% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20263.92%▲ from 3.76%
  • Oct 4, 20263.76%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
18 Month Certificate
$0
3.92% ▲ 0.55% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.55% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 25, 2026 · 3.45% → 3.92% ▲ 0.47 pts · high 3.92% / low 3.45%
2.95%3.69%4.42%Sep 25, 2026: 3.45% APYOct 4, 2026: 3.76% APYOct 8, 2026: 3.92% APYSep 25, 2026Oct 25, 2026
  • Oct 8, 20263.92%▲ from 3.76%
  • Oct 4, 20263.76%▲ from 3.45%
  • Sep 25, 20263.45%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
18 Month HSA Certificate
$0
3.92% ▲ 0.55% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.55% above avgNationally 2.88%
Details

Rate History
1 change since Oct 4, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Oct 4, 2026: 3.76% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20263.92%▲ from 3.76%
  • Oct 4, 20263.76%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
18 Month IRA Certificate
$0
3.92% ▲ 0.55% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.55% above avgNationally 2.88%
Details

Rate History
1 change since Oct 4, 2026 · 3.76% → 3.92% ▲ 0.16 pts · high 3.92% / low 3.76%
3.26%3.84%4.42%Oct 4, 2026: 3.76% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20263.92%▲ from 3.76%
  • Oct 4, 20263.76%first recorded
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
181 State St, Ellsworth, ME 04605
18-Month Certificate
$500
3.40% ▲ 0.03% above Maine avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.37%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 20, 2026: 3.40% APYOct 20, 2026Oct 25, 2026
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
181 State St, Ellsworth, ME 04605
18-Month Variable IRA
$100
3.40% ▲ 0.03% above Maine avg
View
▼
Rate3.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.37%▲ 0.03% above avgNationally 2.88%
Details

IRA; variable rate

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
18 Month IRA
$100
2.55% ▼ 0.82% below Maine avg
View
▼
Rate2.52%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.37%▼ 0.82% below avgNationally 2.88%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Oct 22, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 22, 2026: 2.55% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
My MSB Certificate of Deposit - 18 Month CD
$500
2.55% ▼ 0.82% below Maine avg
View
▼
Rate2.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.37%▼ 0.82% below avgNationally 2.88%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Oct 22, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 22, 2026: 2.55% APYOct 22, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
18 Month Certificate of Deposit - Benefit Plus
$500
0.95% ▼ 2.42% below Maine avg
View
▼
Rate0.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.37%▼ 2.42% below avgNationally 2.88%
Details

Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 18 Months - Benefit Plus
$500
0.95% ▼ 2.42% below Maine avg
View
▼
Rate0.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.37%▼ 2.42% below avgNationally 2.88%
Details

Benefit Plus Customers

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 8 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
18 Month Certificate of Deposit
$500
0.70% ▼ 2.67% below Maine avg
View
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.37%▼ 2.67% below avgNationally 2.88%
Details

Interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 18 Months
$500
0.70% ▼ 2.67% below Maine avg
View
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.37%▼ 2.67% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 25, 2026
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
66 Main St, Ellsworth, ME 04605
18-Month CD/IRA
$500
0.20% ▼ 3.17% below Maine avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.37%▼ 3.17% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 25, 2026
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 Month Variable Rate IRA CD
$500
4.64% ▲ 1.27% above Maine avg
View
▼
Rate4.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.37%▲ 1.27% above avgNationally 2.88%
Details

Variable rate; only available as an IRA; APY assumes interest remains on deposit until maturity; early withdrawal penalty may apply

Rate History
1 change since Sep 19, 2026 · 4.23% → 4.64% ▲ 0.41 pts · high 4.64% / low 4.23%
3.73%4.44%5.14%Sep 19, 2026: 4.23% APYOct 11, 2026: 4.64% APYSep 19, 2026Oct 25, 2026
  • Oct 11, 20264.64%▲ from 4.23%
  • Sep 19, 20264.23%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 18 Month Certificate
$500
4.40% ▲ 1.03% above Maine avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.37%▲ 1.03% above avgNationally 2.88%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 19, 2026: 4.40% APYOct 19, 2026Oct 25, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Certificate of Deposit - 18 Months
$500
4.20% ▲ 0.83% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.37%▲ 0.83% above avgNationally 2.88%
Details

Rate History
1 change since Oct 14, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
3.45%4.08%4.70%Oct 14, 2026: 3.95% APYOct 22, 2026: 4.20% APYOct 14, 2026Oct 25, 2026
  • Oct 22, 20264.20%▲ from 3.95%
  • Oct 14, 20263.95%first recorded
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificate - 18 Month Term
$0
4.13% ▲ 0.76% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.76% above avgNationally 2.88%
Details

Rates effective October 01, 2026; IRA share certificate; not eligible for rate premiums

Rate History
No change since Oct 8, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 8, 2026: 4.13% APYOct 8, 2026Oct 25, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 18 Month Term
$0
4.13% ▲ 0.76% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.76% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 12, 2026: 4.13% APYOct 12, 2026Oct 25, 2026
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
18 Month Share and IRA Certificates
$500
4.13% ▲ 0.76% above Maine avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.37%▲ 0.76% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 19, 2026: 4.13% APYOct 19, 2026Oct 25, 2026
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
Share Certificate - 18 Months
$500
4.07% ▲ 0.70% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.70% above avgNationally 2.88%
Details

Rates effective 10/6/2026

Rate History
No change since Oct 15, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 15, 2026: 4.07% APYOct 15, 2026Oct 25, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
18 Month IRA Certificate
$1,000
4.00% ▲ 0.63% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.63% above avgNationally 2.88%
Details

Dividends compounded monthly; dividends credited monthly; dividend period monthly; balance method Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
18 Month Share Certificate
$1,000
4.00% ▲ 0.63% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.63% above avgNationally 2.88%
Details

Dividends Compounded Monthly; Dividends Credited Monthly; Dividends Period Monthly; Balance Method: Average Daily Balance; Additional Deposits: Not Allowed; Dividend Withdrawal: Allowed Monthly; Renewal: Automatic

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 25, 2026
Brewer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
18 Month Certificate
$500
3.97% ▲ 0.60% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.60% above avgNationally 2.88%
Details

Certificate Rates (Regular and IRA); Effective October 6, 2026

Rate History
No change since Oct 22, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 22, 2026: 3.97% APYOct 22, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.48% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.37%▲ 0.48% above avgNationally 2.88%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$1,000
3.85% ▲ 0.48% above Maine avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.37%▲ 0.48% above avgNationally 2.88%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
18 Month Certificate
$500
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.88%
Details

Special rate; Penalties may apply for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Oct 25, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Certificate 18 Month SPECIAL
$500
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.88%
Details

Penalties may apply for early withdrawal

Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 25, 2026
Eastmill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$1,000
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.88%
Details

Certificates $1,000.00 minimum; APY accurate as of 4/1/2026; dividend rate fixed for term; applies to Share and IRA Certificates

Rate History
No change since Oct 22, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 22, 2026: 3.82% APYOct 22, 2026Oct 25, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA Certificate - 18 Months
$0
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.88%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.82% ▲ 0.21 pts · high 3.82% / low 3.61%
3.11%3.72%4.32%Sep 14, 2026: 3.61% APYOct 23, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.82%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Share Certificates - 18 Months
$0
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.88%
Details

Dividends are compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.82% ▲ 0.21 pts · high 3.82% / low 3.61%
3.11%3.72%4.32%Sep 14, 2026: 3.61% APYOct 23, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.82%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Share, IRA & HSA Certificates of Deposit - 18 Month
$0
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
18 Month IRA Certificate
$500
3.76% ▲ 0.39% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.39% above avgNationally 2.88%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 8, 2026: 3.76% APYOct 8, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
18 Month Share Certificate
$500
3.76% ▲ 0.39% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.39% above avgNationally 2.88%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 8, 2026: 3.76% APYOct 8, 2026Oct 25, 2026
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
REL 18-Month CD & IRA Special
$500
3.75% ▲ 0.38% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.37%▲ 0.38% above avgNationally 2.88%
Details

Relationship Bundle eligibility required; Bump Up CD, customer may increase rate one time during term if published rate increases; available as IRA

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
18 Month CD
$500
3.75% ▲ 0.38% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.37%▲ 0.38% above avgNationally 2.88%
Details

Effective as of 9/22/2026

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
18 Month Share Certificate
$1,000
3.71% ▲ 0.34% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.34% above avgNationally 2.88%
Details

Dividend Penalty: 270 days

Rate History
No change since Oct 5, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Oct 5, 2026: 3.71% APYOct 5, 2026Oct 25, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
IRA Share Certificates - 18 months
$1,000
3.71% ▲ 0.34% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.34% above avgNationally 2.88%
Details

Dividend Penalty: 270 days; Must be opened in person

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Month Share Certificate
$0
3.65% ▲ 0.28% above Maine avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.37%▲ 0.28% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
18 Mo. Rippling Waves Share or IRA Certificate
$500
3.60% ▲ 0.23% above Maine avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.37%▲ 0.23% above avgNationally 2.88%
Details

Allows additional ($500 minimum) deposits; Dividend Rate column; Penalty for early withdrawal applies

Rate History
2 changes since Sep 30, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
2.60%3.35%4.10%Sep 30, 2026: 3.10% APYOct 6, 2026: 3.35% APYOct 23, 2026: 3.60% APYSep 30, 2026Oct 25, 2026
  • Oct 23, 20263.60%▲ from 3.35%
  • Oct 6, 20263.35%▲ from 3.10%
  • Sep 30, 20263.10%first recorded
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Certificate - 18 Months
$500
3.51% ▲ 0.14% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.37%▲ 0.14% above avgNationally 2.88%
Details

Certificates; Dividends compound monthly; Interest Rate Type: Fixed; Rates accurate as of 04/08/2026

Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 25, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
IRA Certificate - 18 Months
$500
3.51% ▲ 0.14% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.37%▲ 0.14% above avgNationally 2.88%
Details

Rates accurate as of 04/08/2026

Rate History
No change since Oct 10, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 25, 2026
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
RSB 18-Month Certificate
$500
3.50% ▲ 0.13% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.37%▲ 0.13% above avgNationally 2.88%
Details

Rate History
No change since Oct 3, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Oct 3, 2026: 3.50% APYOct 3, 2026Oct 25, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
18 Month Roth Share Certificate
$500
3.50% ▲ 0.13% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.37%▲ 0.13% above avgNationally 2.88%
Details

Effective as of 06/01/2026; View IRA/Roth IRA Certificates Rates

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026

Ellsworth 24 Month CD Rates

Maine 24 Month CD Average3.29% APYNational 2.90%▲ 0.10% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
24 Month TD Choice CD
$250
4.30% ▲ 1.01% above Maine avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.29%▲ 1.01% above avgNationally 2.90%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
24 Month TD Choice CD
$250
4.29% ▲ 1.00% above Maine avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.29%▲ 1.00% above avgNationally 2.90%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
24 Month IRA
$100
4.25% ▲ 0.96% above Maine avg
View
▼
Rate4.16%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.29%▲ 0.96% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
My MSB Certificate of Deposit - 24 Month CD
$500
4.25% ▲ 0.96% above Maine avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.29%▲ 0.96% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
175 High St Ste 7, Ellsworth, ME 04605 1730
2 Year Jumbo Share Certificate
$100,000
4.07% ▲ 0.78% above Maine avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.78% above avgNationally 2.90%
Details

Dividend rates guaranteed from time of purchase to maturity

Rate History
No change since Oct 23, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
24 Month Premium Certificate
$0
3.92% ▲ 0.63% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.63% above avgNationally 2.90%
Details

Rate History
1 change since Sep 25, 2026 · 3.61% → 3.92% ▲ 0.31 pts · high 3.92% / low 3.61%
3.11%3.76%4.42%Sep 25, 2026: 3.61% APYOct 4, 2026: 3.92% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.92%▲ from 3.61%
  • Sep 25, 20263.61%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
24 Month Premium IRA Certificate
$0
3.92% ▲ 0.63% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Oct 4, 2026: 3.92% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
24 Month Business Certificate
$0
3.82% ▲ 0.53% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
24 Month Certificate
$0
3.82% ▲ 0.53% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.53% above avgNationally 2.90%
Details

Rate History
1 change since Sep 25, 2026 · 3.51% → 3.82% ▲ 0.31 pts · high 3.82% / low 3.51%
3.01%3.67%4.32%Sep 25, 2026: 3.51% APYOct 4, 2026: 3.82% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.82%▲ from 3.51%
  • Sep 25, 20263.51%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
24 Month HSA Certificate
$0
3.82% ▲ 0.53% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
24 Month IRA Certificate
$0
3.82% ▲ 0.53% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share & IRA Certificates - 24 Month
$500
3.75% ▲ 0.46% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.46% above avgNationally 2.90%
Details

Dividends compounded monthly and credited monthly

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share Certificate - 2 year
$500
3.75% ▲ 0.46% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.46% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 14, 2026: 3.00% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.75%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
181 State St, Ellsworth, ME 04605
2-Year Certificate
$500
3.25% ▼ 0.04% below Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.29%▼ 0.04% below avgNationally 2.90%
Details

Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 20, 2026: 3.25% APYOct 20, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
24 Month Certificate of Deposit - Benefit Plus
$500
1.01% ▼ 2.28% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.29%▼ 2.28% below avgNationally 2.90%
Details

Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 24 Months - Benefit Plus
$500
1.01% ▼ 2.28% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.29%▼ 2.28% below avgNationally 2.90%
Details

Benefit Plus Customers

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
24 Month Certificate of Deposit
$500
0.75% ▼ 2.54% below Maine avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.29%▼ 2.54% below avgNationally 2.90%
Details

Interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 24 Months
$500
0.75% ▼ 2.54% below Maine avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.29%▼ 2.54% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 25, 2026
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
66 Main St, Ellsworth, ME 04605
2-Year CD/IRA
$500
0.25% ▼ 3.04% below Maine avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.29%▼ 3.04% below avgNationally 2.90%
Details

Rate History
No change since Sep 7, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 7, 2026: 0.25% APYSep 7, 2026Oct 25, 2026
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Propel Relationship CDs - 2 Year CD
$5,000
4.55% ▲ 1.26% above Maine avg
View
▼
Rate4.46%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.29%▲ 1.26% above avgNationally 2.90%
Details

Propel Relationship CD; requires Propel Premier Checking and Propel Preferred Savings; includes additional 0.15% APY; must be opened in a banking center; opening deposit must be new money; APY effective as of 10/14/2026

Rate History
1 change since Sep 18, 2026 · 3.40% → 4.55% ▲ 1.15 pts · high 4.55% / low 3.40%
2.25%3.97%5.70%Sep 18, 2026: 3.40% APYOct 20, 2026: 4.55% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20264.55%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Certificates of Deposit - 2 Year CD
$5,000
4.40% ▲ 1.11% above Maine avg
View
▼
Rate4.31%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.29%▲ 1.11% above avgNationally 2.90%
Details

Opening deposit must be new money; early withdrawal penalties may apply; Consumer accounts available to Maine and New Hampshire residents only

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
2 Year Certificate
$500
4.40% ▲ 1.11% above Maine avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 1.11% above avgNationally 2.90%
Details

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 25, 2026: 3.90% APYOct 4, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.40%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA 2 Year Certificate
$500
4.40% ▲ 1.11% above Maine avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 1.11% above avgNationally 2.90%
Details

Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Oct 4, 2026: 4.40% APYOct 4, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
2 Year Jumbo Share Certificates
$0
4.35% ▲ 1.06% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.29%▲ 1.06% above avgNationally 2.90%
Details

Rate History
1 change since Sep 24, 2026 · 4.11% → 4.35% ▲ 0.24 pts · high 4.35% / low 4.11%
3.61%4.23%4.85%Sep 24, 2026: 4.11% APYOct 19, 2026: 4.35% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.35%▲ from 4.11%
  • Sep 24, 20264.11%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo IRA Certificates - 2 Year
$0
4.35% ▲ 1.06% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.29%▲ 1.06% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Certificate of Deposit - 24 Months
$500
4.25% ▲ 0.96% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.29%▲ 0.96% above avgNationally 2.90%
Details

Rate History
1 change since Oct 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Oct 14, 2026: 3.90% APYOct 22, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
  • Oct 22, 20264.25%▲ from 3.90%
  • Oct 14, 20263.90%first recorded
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
2-Year Share Certificate
$0
4.25% ▲ 0.96% above Maine avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.96% above avgNationally 2.90%
Details

Deposit rates effective as of October 7, 2026

Rate History
1 change since Sep 16, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 16, 2026: 4.00% APYOct 8, 2026: 4.25% APYSep 16, 2026Oct 25, 2026
  • Oct 8, 20264.25%▲ from 4.00%
  • Sep 16, 20264.00%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 24 Month Certificate
$500
4.25% ▲ 0.96% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.29%▲ 0.96% above avgNationally 2.90%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 2 Year Certificate
$500
4.25% ▲ 0.96% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.29%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 2 Years
$500
4.25% ▲ 0.96% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.29%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
24 Month Certificate
$1,000
4.15% ▲ 0.86% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.86% above avgNationally 2.90%
Details

APY (as high as); Share Certificates & IRA Certificates

Rate History
1 change since Sep 25, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 25, 2026: 3.85% APYOct 4, 2026: 4.15% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.15%▲ from 3.85%
  • Sep 25, 20263.85%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
24 Month Share and IRA Certificates
$500
4.13% ▲ 0.84% above Maine avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.29%▲ 0.84% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 19, 2026: 4.13% APYOct 19, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 24 Month
$0
4.07% ▲ 0.78% above Maine avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.78% above avgNationally 2.90%
Details

Balance: $150,000.00 and over

Rate History
No change since Oct 23, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 25, 2026
Brewer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
24 Month Certificate
$500
4.02% ▲ 0.73% above Maine avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.73% above avgNationally 2.90%
Details

Certificate Rates (Regular and IRA); Effective October 6, 2026

Rate History
No change since Oct 22, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Oct 22, 2026: 4.02% APYOct 22, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 24 Month
$0
3.97% ▲ 0.68% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.68% above avgNationally 2.90%
Details

Balance: $50,000.00 - $149,999.99

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24 Month Variable Rate Certificate
$0
3.95% ▲ 0.66% above Maine avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.29%▲ 0.66% above avgNationally 2.90%
Details

Variable rate; dividend rate changes monthly based on Federal Funds Rate; dividend rate will never be less than 2.50% or exceed 5.50%

Rate History
1 change since Sep 14, 2026 · 3.69% → 3.95% ▲ 0.26 pts · high 3.95% / low 3.69%
3.19%3.82%4.45%Sep 14, 2026: 3.69% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.95%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificate - 24 Month Term
$0
3.91% ▲ 0.62% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.62% above avgNationally 2.90%
Details

Rates effective October 01, 2026; IRA share certificate; not eligible for rate premiums

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 25, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 24 Month Term
$0
3.91% ▲ 0.62% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.62% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 25, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Individual Retirement Account (IRA) Certificates & Share Certificates - 24 Month
$0
3.87% ▲ 0.58% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.58% above avgNationally 2.90%
Details

Table heading: Individual Retirement Account (IRA) Certificates & Share Certificates; Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY · checked 4 times
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 24 Month
$0
3.87% ▲ 0.58% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.58% above avgNationally 2.90%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 23, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 23, 2026: 3.87% APYOct 23, 2026Oct 25, 2026
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Share, IRA & HSA Certificates of Deposit - 2 Year
$0
3.87% ▲ 0.58% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 5 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Share Certificates - 24 Months
$2,500
3.85% ▲ 0.56% above Maine avg
View
▼
Rate3.78%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.56% above avgNationally 2.90%
Details

Additional deposits not allowed; dividend withdrawal allowed; certificate renewal automatic

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
24 Month Certificate
$500
3.82% ▲ 0.53% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.53% above avgNationally 2.90%
Details

Special rate; Penalties may apply for early withdrawal

Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Oct 25, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Certificate 24 Month SPECIAL
$500
3.82% ▲ 0.53% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.53% above avgNationally 2.90%
Details

Penalties may apply for early withdrawal

Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 25, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
IRA Certificates - 24 months
$0
3.80% ▲ 0.51% above Maine avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.29%▲ 0.51% above avgNationally 2.90%
Details

Early withdrawal subject to 365 day dividend penalty, whether earned or not.

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Share Certificate - 24 Months
$500
3.80% ▲ 0.51% above Maine avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.29%▲ 0.51% above avgNationally 2.90%
Details

Early withdrawal subject to 365 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
24 Month IRA Certificate
$500
3.76% ▲ 0.47% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.47% above avgNationally 2.90%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 8, 2026: 3.76% APYOct 8, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
24 Month Share Certificate
$500
3.76% ▲ 0.47% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.47% above avgNationally 2.90%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 8, 2026: 3.76% APYOct 8, 2026Oct 25, 2026
Eastmill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Certificate
$1,000
3.76% ▲ 0.47% above Maine avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.47% above avgNationally 2.90%
Details

Certificates $1,000.00 minimum; APY accurate as of 4/1/2026; dividend rate fixed for term; applies to Share and IRA Certificates

Rate History
No change since Oct 22, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 22, 2026: 3.76% APYOct 22, 2026Oct 25, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA Certificate - 2 Years
$0
3.76% ▲ 0.47% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.29%▲ 0.47% above avgNationally 2.90%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.76% ▲ 0.20 pts · high 3.76% / low 3.56%
3.06%3.66%4.26%Sep 14, 2026: 3.56% APYOct 23, 2026: 3.76% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.76%▲ from 3.56%
  • Sep 14, 20263.56%first recorded

Ellsworth 36 Month CD Rates

Maine 36 Month CD Average3.12% APYNational 2.81%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
36 Month IRA
$100
4.50% ▲ 1.38% above Maine avg
View
▼
Rate4.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.12%▲ 1.38% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 365 Days Interest

Rate History
No change since Oct 22, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
My MSB Certificate of Deposit - 36 Month CD
$500
4.50% ▲ 1.38% above Maine avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.12%▲ 1.38% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 365 Days Interest

Rate History
No change since Oct 22, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
175 High St Ste 7, Ellsworth, ME 04605 1730
3 Year Jumbo Share Certificate
$100,000
4.13% ▲ 1.01% above Maine avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 1.01% above avgNationally 2.81%
Details

Dividend rates guaranteed from time of purchase to maturity

Rate History
No change since Oct 23, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 23, 2026: 4.13% APYOct 23, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
36 Month Premium Certificate
$0
3.92% ▲ 0.80% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.80% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.67% → 3.92% ▲ 0.25 pts · high 3.92% / low 3.67%
3.17%3.80%4.42%Sep 25, 2026: 3.67% APYOct 4, 2026: 3.92% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.92%▲ from 3.67%
  • Sep 25, 20263.67%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
36 Month Premium IRA Certificate
$0
3.92% ▲ 0.80% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Oct 4, 2026: 3.92% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
36 Month Business Certificate
$0
3.82% ▲ 0.70% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
36 Month Certificate
$0
3.82% ▲ 0.70% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.70% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 25, 2026: 3.56% APYOct 4, 2026: 3.82% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20263.82%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
36 Month HSA Certificate
$0
3.82% ▲ 0.70% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
36 Month IRA Certificate
$0
3.82% ▲ 0.70% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share & IRA Certificates - 36 Month
$500
3.50% ▲ 0.38% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.38% above avgNationally 2.81%
Details

Dividends compounded monthly and credited monthly

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share Certificate - 3 year
$500
3.50% ▲ 0.38% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.38% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.50%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
3 Year TD Choice CD
$250
2.00% ▼ 1.12% below Maine avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.12%▼ 1.12% below avgNationally 2.81%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
3 Year TD Choice CD
$250
1.99% ▼ 1.13% below Maine avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.12%▼ 1.13% below avgNationally 2.81%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
181 State St, Ellsworth, ME 04605
3-Year Certificate
$500
1.50% ▼ 1.62% below Maine avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.12%▼ 1.62% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
36 Month Certificate of Deposit - Benefit Plus
$500
1.01% ▼ 2.11% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.12%▼ 2.11% below avgNationally 2.81%
Details

Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 36 Months - Benefit Plus
$500
1.01% ▼ 2.11% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.12%▼ 2.11% below avgNationally 2.81%
Details

Benefit Plus Customers

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
36 Month Certificate of Deposit
$500
0.75% ▼ 2.37% below Maine avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.12%▼ 2.37% below avgNationally 2.81%
Details

Interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 36 Months
$500
0.75% ▼ 2.37% below Maine avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.12%▼ 2.37% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 25, 2026
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
66 Main St, Ellsworth, ME 04605
3-Year CD/IRA
$500
0.25% ▼ 2.87% below Maine avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.12%▼ 2.87% below avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 7, 2026: 0.25% APYSep 7, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
3 Year Jumbo Share Certificates
$0
4.60% ▲ 1.48% above Maine avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.12%▲ 1.48% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.60% ▲ 0.70 pts · high 4.60% / low 3.90%
3.20%4.25%5.30%Sep 24, 2026: 3.90% APYOct 19, 2026: 4.60% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.60%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo IRA Certificates - 3 Year
$0
4.60% ▲ 1.48% above Maine avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.12%▲ 1.48% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 19, 2026: 4.60% APYOct 19, 2026Oct 25, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Year Certificate
$500
4.50% ▲ 1.38% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 1.38% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.95% → 4.50% ▲ 0.55 pts · high 4.50% / low 3.95%
3.40%4.23%5.05%Sep 25, 2026: 3.95% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.50%▲ from 3.95%
  • Sep 25, 20263.95%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA 3 Year Certificate
$500
4.50% ▲ 1.38% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 3 Year Certificate
$500
4.50% ▲ 1.38% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.12%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 3 Years
$500
4.50% ▲ 1.38% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.12%▲ 1.38% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Certificate
$1,000
4.20% ▲ 1.08% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 1.08% above avgNationally 2.81%
Details

APY (as high as); Share Certificates & IRA Certificates

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 25, 2026: 3.90% APYOct 4, 2026: 4.20% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.20%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
36 Month Share and IRA Certificates
$500
4.18% ▲ 1.06% above Maine avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.12%▲ 1.06% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 19, 2026: 4.18% APYOct 19, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 36 Month
$0
4.13% ▲ 1.01% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 1.01% above avgNationally 2.81%
Details

Balance: $150,000.00 and over

Rate History
No change since Oct 23, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 23, 2026: 4.13% APYOct 23, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 36 Month
$0
4.02% ▲ 0.90% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.90% above avgNationally 2.81%
Details

Balance: $50,000.00 - $149,999.99

Rate History
No change since Oct 23, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 23, 2026: 4.02% APYOct 23, 2026Oct 25, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 36 Month Certificate
$500
4.00% ▲ 0.88% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.12%▲ 0.88% above avgNationally 2.81%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 36 Month
$0
3.92% ▲ 0.80% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.80% above avgNationally 2.81%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 23, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 23, 2026: 3.92% APYOct 23, 2026Oct 25, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificate - 36 Month Term
$0
3.91% ▲ 0.79% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.79% above avgNationally 2.81%
Details

Rates effective October 01, 2026; IRA share certificate; not eligible for rate premiums

Rate History
No change since Oct 8, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 8, 2026: 3.91% APYOct 8, 2026Oct 25, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 36 Month Term
$0
3.91% ▲ 0.79% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.79% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY · checked 3 times
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 25, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Individual Retirement Account (IRA) Certificates & Share Certificates - 36 Month
$0
3.87% ▲ 0.75% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.75% above avgNationally 2.81%
Details

Table heading: Individual Retirement Account (IRA) Certificates & Share Certificates; Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY · checked 4 times
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 25, 2026
Brewer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
36 Month Certificate
$500
3.87% ▲ 0.75% above Maine avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.75% above avgNationally 2.81%
Details

Certificate Rates (Regular and IRA); Effective October 6, 2026

Rate History
No change since Oct 22, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 22, 2026: 3.87% APYOct 22, 2026Oct 25, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Certificate of Deposit - 36 Months
$500
3.75% ▲ 0.63% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.12%▲ 0.63% above avgNationally 2.81%
Details

Rate History
1 change since Oct 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Oct 14, 2026: 3.55% APYOct 22, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
  • Oct 22, 20263.75%▲ from 3.55%
  • Oct 14, 20263.55%first recorded
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
36 Month IRA Certificate
$500
3.71% ▲ 0.59% above Maine avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.59% above avgNationally 2.81%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 8, 2026: 3.71% APYOct 8, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
36 Month Share Certificate
$500
3.71% ▲ 0.59% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.59% above avgNationally 2.81%
Details

Dividend rate printed as '3.65/%' on the page; Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 8, 2026: 3.71% APYOct 8, 2026Oct 25, 2026
Eastmill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$1,000
3.71% ▲ 0.59% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.59% above avgNationally 2.81%
Details

Certificates $1,000.00 minimum; APY accurate as of 4/1/2026; dividend rate fixed for term; applies to Share and IRA Certificates

Rate History
No change since Oct 22, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 22, 2026: 3.71% APYOct 22, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3 Year Jumbo Certificates
$0
3.71% ▲ 0.59% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.12%▲ 0.59% above avgNationally 2.81%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 13, 2026: 3.71% APYOct 13, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Jumbo Certificates - 3 Years
$0
3.71% ▲ 0.59% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.12%▲ 0.59% above avgNationally 2.81%
Details

Minimum balance $100,000; Membership eligibility required; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 13, 2026: 3.71% APYOct 13, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Share Certificates - 3 Years
$0
3.71% ▲ 0.59% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.12%▲ 0.59% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.71% ▲ 0.26 pts · high 3.71% / low 3.45%
2.95%3.58%4.21%Sep 14, 2026: 3.45% APYOct 19, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.71%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Year IRA Certificate
$0
3.68% ▲ 0.56% above Maine avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.68% APY · checked 3 times
3.18%3.68%4.18%Oct 9, 2026: 3.68% APYOct 9, 2026Oct 25, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Year Share Certificate
$0
3.68% ▲ 0.56% above Maine avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.68% APY · checked 3 times
3.18%3.68%4.18%Oct 9, 2026: 3.68% APYOct 9, 2026Oct 25, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA Certificate - 3 Years
$0
3.61% ▲ 0.49% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.49% above avgNationally 2.81%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
3.01%3.56%4.11%Sep 14, 2026: 3.51% APYOct 23, 2026: 3.61% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.61%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Share Certificates - 3 Years
$0
3.61% ▲ 0.49% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.49% above avgNationally 2.81%
Details

Dividends are compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
3.01%3.56%4.11%Sep 14, 2026: 3.51% APYOct 23, 2026: 3.61% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.61%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
Share Certificate - 36 Months
$500
3.56% ▲ 0.44% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.44% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 25, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
36 Month Share Certificate
$1,000
3.56% ▲ 0.44% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.44% above avgNationally 2.81%
Details

Dividend Penalty: 540 days

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 25, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
IRA Share Certificates - 36 months
$1,000
3.56% ▲ 0.44% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.44% above avgNationally 2.81%
Details

Dividend Penalty: 540 days; Must be opened in person

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificate - 36 Months
$0
3.56% ▲ 0.44% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.12%▲ 0.44% above avgNationally 2.81%
Details

Balance: $1,000 minimum to earn APY; Dividends paid monthly on average daily balance; Penalty for early withdrawals

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20%
2.70%3.38%4.06%Sep 14, 2026: 3.20% APYSep 25, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded

Ellsworth 48 Month CD Rates

Maine 48 Month CD Average3.14% APYNational 2.81%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
175 High St Ste 7, Ellsworth, ME 04605 1730
4 Year Jumbo Share Certificate
$100,000
4.18% ▲ 1.04% above Maine avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 1.04% above avgNationally 2.81%
Details

Dividend rates guaranteed from time of purchase to maturity

Rate History
No change since Oct 23, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 23, 2026: 4.18% APYOct 23, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
48 Month Premium Certificate
$0
4.02% ▲ 0.88% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.88% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 25, 2026 · 3.72% → 4.02% ▲ 0.30 pts · high 4.02% / low 3.72%
3.22%3.87%4.52%Sep 25, 2026: 3.72% APYOct 4, 2026: 3.97% APYOct 8, 2026: 4.02% APYSep 25, 2026Oct 25, 2026
  • Oct 8, 20264.02%▲ from 3.97%
  • Oct 4, 20263.97%▲ from 3.72%
  • Sep 25, 20263.72%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
48 Month Premium IRA Certificate
$0
4.02% ▲ 0.88% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.88% above avgNationally 2.81%
Details

Rate History
1 change since Oct 4, 2026 · 3.97% → 4.02% ▲ 0.05 pts · high 4.02% / low 3.97%
3.47%4.00%4.52%Oct 4, 2026: 3.97% APYOct 8, 2026: 4.02% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20264.02%▲ from 3.97%
  • Oct 4, 20263.97%first recorded
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share & IRA Certificates - 48 Month
$500
3.95% ▲ 0.81% above Maine avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.81% above avgNationally 2.81%
Details

Dividends compounded monthly and credited monthly

Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 15, 2026: 3.95% APYOct 15, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share Certificate - 4 year
$500
3.95% ▲ 0.81% above Maine avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.81% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.95% ▲ 0.55 pts · high 3.95% / low 3.40%
2.85%3.68%4.50%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.95%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
48 Month Business Certificate
$0
3.92% ▲ 0.78% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.78% above avgNationally 2.81%
Details

Rate History
1 change since Oct 4, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Oct 4, 2026: 3.87% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20263.92%▲ from 3.87%
  • Oct 4, 20263.87%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
48 Month Certificate
$0
3.92% ▲ 0.78% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.78% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 25, 2026 · 3.61% → 3.92% ▲ 0.31 pts · high 3.92% / low 3.61%
3.11%3.76%4.42%Sep 25, 2026: 3.61% APYOct 4, 2026: 3.87% APYOct 8, 2026: 3.92% APYSep 25, 2026Oct 25, 2026
  • Oct 8, 20263.92%▲ from 3.87%
  • Oct 4, 20263.87%▲ from 3.61%
  • Sep 25, 20263.61%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
48 Month HSA Certificate
$0
3.92% ▲ 0.78% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.78% above avgNationally 2.81%
Details

Rate History
1 change since Oct 4, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Oct 4, 2026: 3.87% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20263.92%▲ from 3.87%
  • Oct 4, 20263.87%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
48 Month IRA Certificate
$0
3.92% ▲ 0.78% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.78% above avgNationally 2.81%
Details

Rate History
1 change since Oct 4, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Oct 4, 2026: 3.87% APYOct 8, 2026: 3.92% APYOct 4, 2026Oct 25, 2026
  • Oct 8, 20263.92%▲ from 3.87%
  • Oct 4, 20263.87%first recorded
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
48 Month IRA
$100
2.65% ▼ 0.49% below Maine avg
View
▼
Rate2.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.14%▼ 0.49% below avgNationally 2.81%
Details

Early Withdrawal Penalty: 365 Days Interest

Rate History
No change since Oct 22, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 22, 2026: 2.65% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
My MSB Certificate of Deposit - 48 Month CD
$500
2.65% ▼ 0.49% below Maine avg
View
▼
Rate2.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.14%▼ 0.49% below avgNationally 2.81%
Details

Early Withdrawal Penalty: 365 Days Interest

Rate History
No change since Oct 22, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 22, 2026: 2.65% APYOct 22, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
4 Year TD Choice CD
$0
1.99% ▼ 1.15% below Maine avg
View
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.14%▼ 1.15% below avgNationally 2.81%
Details

No Longer for Sale

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
48 Month Certificate of Deposit - Benefit Plus
$500
1.01% ▼ 2.13% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.14%▼ 2.13% below avgNationally 2.81%
Details

Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 48 Months - Benefit Plus
$500
1.01% ▼ 2.13% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.14%▼ 2.13% below avgNationally 2.81%
Details

Benefit Plus Customers

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
48 Month Certificate of Deposit
$500
0.75% ▼ 2.39% below Maine avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.14%▼ 2.39% below avgNationally 2.81%
Details

Interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 48 Months
$500
0.75% ▼ 2.39% below Maine avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.14%▼ 2.39% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 25, 2026
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
66 Main St, Ellsworth, ME 04605
4-Year CD/IRA
$500
0.25% ▼ 2.89% below Maine avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.14%▼ 2.89% below avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 7, 2026: 0.25% APYSep 7, 2026Oct 25, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
4 Year Certificate
$500
4.50% ▲ 1.36% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 1.36% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.50%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA 4 Year Certificate
$500
4.50% ▲ 1.36% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 1.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4 Year Jumbo Share Certificates
$0
4.35% ▲ 1.21% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 1.21% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 24, 2026: 3.90% APYOct 19, 2026: 4.35% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.35%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo IRA Certificates - 4 Year
$0
4.35% ▲ 1.21% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 1.21% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
48 Month Certificate
$1,000
4.25% ▲ 1.11% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 1.11% above avgNationally 2.81%
Details

APY (as high as); Share Certificates & IRA Certificates

Rate History
1 change since Sep 25, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 25, 2026: 3.95% APYOct 4, 2026: 4.25% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.25%▲ from 3.95%
  • Sep 25, 20263.95%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 4 Year Certificate
$500
4.25% ▲ 1.11% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 4 Years
$500
4.25% ▲ 1.11% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
48 Month Share and IRA Certificates
$500
4.23% ▲ 1.09% above Maine avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 1.09% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 19, 2026: 4.23% APYOct 19, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 48 Month
$0
4.18% ▲ 1.04% above Maine avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 1.04% above avgNationally 2.81%
Details

Balance: $150,000.00 and over

Rate History
No change since Oct 23, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 23, 2026: 4.18% APYOct 23, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 48 Month
$0
4.07% ▲ 0.93% above Maine avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.93% above avgNationally 2.81%
Details

Balance: $50,000.00 - $149,999.99

Rate History
No change since Oct 23, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 25, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
48 Month IRA Certificate
$500
4.07% ▲ 0.93% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.93% above avgNationally 2.81%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 9 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificate - 48 Month Term
$0
3.98% ▲ 0.84% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.84% above avgNationally 2.81%
Details

Rates effective October 01, 2026; IRA share certificate; not eligible for rate premiums

Rate History
No change since Oct 8, 2026 · 3.98% APY · checked 2 times
3.48%3.98%4.48%Oct 8, 2026: 3.98% APYOct 8, 2026Oct 25, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 48 Month Term
$0
3.98% ▲ 0.84% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.84% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 48 Month
$0
3.97% ▲ 0.83% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.83% above avgNationally 2.81%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Individual Retirement Account (IRA) Certificates & Share Certificates - 48 Month
$0
3.87% ▲ 0.73% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.73% above avgNationally 2.81%
Details

Table heading: Individual Retirement Account (IRA) Certificates & Share Certificates; Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY · checked 4 times
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 25, 2026
Brewer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
48 Month Certificate
$500
3.87% ▲ 0.73% above Maine avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.73% above avgNationally 2.81%
Details

Certificate Rates (Regular and IRA); Effective October 6, 2026

Rate History
No change since Oct 22, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 22, 2026: 3.87% APYOct 22, 2026Oct 25, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
Share Certificates - 48 Months
$500
3.82% ▲ 0.68% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.68% above avgNationally 2.81%
Details

Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4 Year Jumbo Certificates
$0
3.82% ▲ 0.68% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 0.68% above avgNationally 2.81%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Jumbo Certificates - 4 Years
$0
3.82% ▲ 0.68% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 0.68% above avgNationally 2.81%
Details

Minimum balance $100,000; Membership eligibility required; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Share Certificates - 4 Years
$0
3.82% ▲ 0.68% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 0.68% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.56% APYOct 19, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 48 Month Certificate
$500
3.75% ▲ 0.61% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 0.61% above avgNationally 2.81%
Details

Rate = dividend rate; penalty for early withdrawal; minimum deposit $500

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4 Year IRA Certificate
$0
3.72% ▲ 0.58% above Maine avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.72% APY · checked 3 times
3.22%3.72%4.22%Oct 9, 2026: 3.72% APYOct 9, 2026Oct 25, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4 Year Share Certificate
$0
3.72% ▲ 0.58% above Maine avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.72% APY · checked 3 times
3.22%3.72%4.22%Oct 9, 2026: 3.72% APYOct 9, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
48 Month IRA Certificate
$500
3.66% ▲ 0.52% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.52% above avgNationally 2.81%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
48 Month Share Certificate
$500
3.66% ▲ 0.52% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.52% above avgNationally 2.81%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 25, 2026
Eastmill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$1,000
3.61% ▲ 0.47% above Maine avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.47% above avgNationally 2.81%
Details

Certificates $1,000.00 minimum; APY accurate as of 4/1/2026; dividend rate fixed for term; applies to Share and IRA Certificates

Rate History
No change since Oct 22, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 22, 2026: 3.61% APYOct 22, 2026Oct 25, 2026
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 Month Share & IRA Certificates
$2,000
3.61% ▲ 0.47% above Maine avg
View
▼
Rate3.55%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 0.47% above avgNationally 2.81%
Details

Penalty: 365 days

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 7 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 25, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA Certificate - 4 Years
$0
3.56% ▲ 0.42% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.42% above avgNationally 2.81%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
2.95%3.51%4.06%Sep 14, 2026: 3.45% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.56%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Share Certificates - 4 Years
$0
3.56% ▲ 0.42% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.42% above avgNationally 2.81%
Details

Dividends are compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
2.95%3.51%4.06%Sep 14, 2026: 3.45% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.56%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Share, IRA & HSA Certificates of Deposit - 4 Year
$0
3.56% ▲ 0.42% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.14%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4 Year Share Certificate
$500
3.56% ▲ 0.42% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 0.42% above avgNationally 2.81%
Details

Minimum balance to open and earn APY is $500

Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Certificates - 4 Years
$0
3.56% ▲ 0.42% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 0.42% above avgNationally 2.81%
Details

Minimum balance to open the account and earn the APY is $500 for Share Certificates, Traditional, SEP, Roth and Educational IRAs; Early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 25, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 48 month
$0
3.56% ▲ 0.42% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.14%▲ 0.42% above avgNationally 2.81%
Details

Balance: $50,000.00 and over

Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 25, 2026

Ellsworth 60 Month CD Rates

Maine 60 Month CD Average3.02% APYNational 2.92%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
175 High St Ste 7, Ellsworth, ME 04605 1730
5 Year Jumbo Share Certificate
$100,000
4.23% ▲ 1.21% above Maine avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.21% above avgNationally 2.92%
Details

Dividend rates guaranteed from time of purchase to maturity

Rate History
No change since Oct 23, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 23, 2026: 4.23% APYOct 23, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
60 Month Premium Certificate
$0
4.13% ▲ 1.11% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.11% above avgNationally 2.92%
Details

Rate History
1 change since Sep 25, 2026 · 3.77% → 4.13% ▲ 0.36 pts · high 4.13% / low 3.77%
3.27%3.95%4.63%Sep 25, 2026: 3.77% APYOct 4, 2026: 4.13% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.13%▲ from 3.77%
  • Sep 25, 20263.77%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
60 Month Premium IRA Certificate
$0
4.13% ▲ 1.11% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.11% above avgNationally 2.92%
Details

Rate History
No change since Oct 4, 2026 · 4.13% APY · checked 8 times
3.63%4.13%4.63%Oct 4, 2026: 4.13% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
60 Month Business Certificate
$0
4.02% ▲ 1.00% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.00% above avgNationally 2.92%
Details

Rate History
No change since Oct 4, 2026 · 4.02% APY · checked 8 times
3.52%4.02%4.52%Oct 4, 2026: 4.02% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
60 Month Certificate
$0
4.02% ▲ 1.00% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.00% above avgNationally 2.92%
Details

Rate History
1 change since Sep 25, 2026 · 3.66% → 4.02% ▲ 0.36 pts · high 4.02% / low 3.66%
3.16%3.84%4.52%Sep 25, 2026: 3.66% APYOct 4, 2026: 4.02% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.02%▲ from 3.66%
  • Sep 25, 20263.66%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
60 Month HSA Certificate
$0
4.02% ▲ 1.00% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.00% above avgNationally 2.92%
Details

Rate History
No change since Oct 4, 2026 · 4.02% APY · checked 8 times
3.52%4.02%4.52%Oct 4, 2026: 4.02% APYOct 4, 2026Oct 25, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
200 Main St, Ellsworth, ME 04605
60 Month IRA Certificate
$0
4.02% ▲ 1.00% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.00% above avgNationally 2.92%
Details

Rate History
No change since Oct 4, 2026 · 4.02% APY · checked 8 times
3.52%4.02%4.52%Oct 4, 2026: 4.02% APYOct 4, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share & IRA Certificates - 60 Month
$500
4.00% ▲ 0.98% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 0.98% above avgNationally 2.92%
Details

Dividends compounded monthly and credited monthly

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 25, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
25 Resort Way, Ellsworth, ME 04605
Share Certificate - 5 year
$500
4.00% ▲ 0.98% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 0.98% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
60 Month IRA
$100
2.65% ▼ 0.37% below Maine avg
View
▼
Rate2.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.02%▼ 0.37% below avgNationally 2.92%
Details

Early Withdrawal Penalty: 545 Days Interest

Rate History
No change since Oct 22, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 22, 2026: 2.65% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
93 High St, Ellsworth, ME 04605
My MSB Certificate of Deposit - 60 Month CD
$500
2.65% ▼ 0.37% below Maine avg
View
▼
Rate2.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.02%▼ 0.37% below avgNationally 2.92%
Details

Early Withdrawal Penalty: 545 Days Interest

Rate History
No change since Oct 22, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 22, 2026: 2.65% APYOct 22, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
5 Year TD Choice CD
$250
2.00% ▼ 1.02% below Maine avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.02%▼ 1.02% below avgNationally 2.92%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
217 High St, Ellsworth, ME 04605
5 Year TD Choice CD
$250
1.99% ▼ 1.03% below Maine avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Maine Average3.02%▼ 1.03% below avgNationally 2.92%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
60 Month Certificate of Deposit - Benefit Plus
$500
1.01% ▼ 2.01% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.02%▼ 2.01% below avgNationally 2.92%
Details

Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 60 Months - Benefit Plus
$500
1.01% ▼ 2.01% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.02%▼ 2.01% below avgNationally 2.92%
Details

Benefit Plus Customers

Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
0.51%1.01%1.51%Sep 18, 2026: 1.01% APYSep 18, 2026Oct 25, 2026
Franklin SB Farmington, ME
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
181 State St, Ellsworth, ME 04605
5-Year Certificate
$500
1.00% ▼ 2.02% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.02%▼ 2.02% below avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 20, 2026: 1.00% APYOct 20, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
60 Month Certificate of Deposit
$500
0.75% ▼ 2.27% below Maine avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.02%▼ 2.27% below avgNationally 2.92%
Details

Interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
59 Foster St, Ellsworth, ME 04605
Certificate of Deposit - 60 Months
$500
0.75% ▼ 2.27% below Maine avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Maine Average3.02%▼ 2.27% below avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 25, 2026
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
66 Main St, Ellsworth, ME 04605
5-Year CD/IRA
$500
0.25% ▼ 2.77% below Maine avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.02%▼ 2.77% below avgNationally 2.92%
Details

Rate History
No change since Sep 7, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 7, 2026: 0.25% APYSep 7, 2026Oct 25, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
5 Year Certificate
$500
4.50% ▲ 1.48% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.48% above avgNationally 2.92%
Details

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 25, 2026: 4.00% APYOct 4, 2026: 4.50% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.50%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
IRA 5 Year Certificate
$500
4.50% ▲ 1.48% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.48% above avgNationally 2.92%
Details

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
5 Year Jumbo Share Certificates
$0
4.35% ▲ 1.33% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 1.33% above avgNationally 2.92%
Details

Rate History
1 change since Sep 24, 2026 · 4.11% → 4.35% ▲ 0.24 pts · high 4.35% / low 4.11%
3.61%4.23%4.85%Sep 24, 2026: 4.11% APYOct 19, 2026: 4.35% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.35%▲ from 4.11%
  • Sep 24, 20264.11%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo IRA Certificates - 5 Year
$0
4.35% ▲ 1.33% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 1.33% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
60 Month Certificate
$1,000
4.30% ▲ 1.28% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.28% above avgNationally 2.92%
Details

APY (as high as); Share Certificates & IRA Certificates

Rate History
1 change since Sep 25, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 25, 2026: 3.95% APYOct 4, 2026: 4.30% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.30%▲ from 3.95%
  • Sep 25, 20263.95%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
60 Month Share and IRA Certificates
$500
4.28% ▲ 1.26% above Maine avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 1.26% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 19, 2026: 4.28% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 5 Year Certificate
$500
4.25% ▲ 1.23% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 1.23% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 5 Years
$500
4.25% ▲ 1.23% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 1.23% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 60 Month
$0
4.23% ▲ 1.21% above Maine avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.21% above avgNationally 2.92%
Details

Balance: $150,000.00 and over

Rate History
No change since Oct 23, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 23, 2026: 4.23% APYOct 23, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 60 Month
$0
4.13% ▲ 1.11% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.11% above avgNationally 2.92%
Details

Balance: $50,000.00 - $149,999.99

Rate History
No change since Oct 23, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 23, 2026: 4.13% APYOct 23, 2026Oct 25, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
60 Month IRA Certificate
$500
4.07% ▲ 1.05% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.05% above avgNationally 2.92%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 9 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
Share Certificates - 60 Months
$500
4.07% ▲ 1.05% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.05% above avgNationally 2.92%
Details

Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificate - 60 Month Term
$0
4.03% ▲ 1.01% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.01% above avgNationally 2.92%
Details

Rates effective October 01, 2026; IRA share certificate; not eligible for rate premiums

Rate History
No change since Oct 8, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 8, 2026: 4.03% APYOct 8, 2026Oct 25, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 60 Month Term
$0
4.03% ▲ 1.01% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.01% above avgNationally 2.92%
Details

Rate History
No change since Oct 12, 2026 · 4.03% APY · checked 3 times
3.53%4.03%4.53%Oct 12, 2026: 4.03% APYOct 12, 2026Oct 25, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
IRA Share Certificate 60 Month
$0
4.02% ▲ 1.00% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 1.00% above avgNationally 2.92%
Details

Balance: $1,000.00 - $49,999.99

Rate History
No change since Oct 23, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 23, 2026: 4.02% APYOct 23, 2026Oct 25, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Individual Retirement Account (IRA) Certificates & Share Certificates - 60 Month
$0
3.87% ▲ 0.85% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 0.85% above avgNationally 2.92%
Details

Table heading: Individual Retirement Account (IRA) Certificates & Share Certificates; Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY · checked 4 times
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 25, 2026
Brewer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
60 Month Certificate
$500
3.87% ▲ 0.85% above Maine avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 0.85% above avgNationally 2.92%
Details

Certificate Rates (Regular and IRA); Effective October 6, 2026

Rate History
No change since Oct 22, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 22, 2026: 3.87% APYOct 22, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5 Year Jumbo Certificates
$0
3.82% ▲ 0.80% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 0.80% above avgNationally 2.92%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Jumbo Certificates - 5 Years
$0
3.82% ▲ 0.80% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 0.80% above avgNationally 2.92%
Details

Minimum balance $100,000; Membership eligibility required; penalty may be imposed for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 25, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Share Certificates - 5 Years
$0
3.82% ▲ 0.80% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 0.80% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.56% APYOct 19, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5 Year IRA Certificate
$0
3.76% ▲ 0.74% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 0.74% above avgNationally 2.92%
Details

Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 3 times
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 25, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5 Year Share Certificate
$0
3.76% ▲ 0.74% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 0.74% above avgNationally 2.92%
Details

Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 3 times
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 25, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 60 month
$0
3.76% ▲ 0.74% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 0.74% above avgNationally 2.92%
Details

Balance: $50,000.00 and over

Rate History
No change since Oct 14, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 14, 2026: 3.76% APYOct 14, 2026Oct 25, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
60 Month CD
$500
3.75% ▲ 0.73% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Maine Average3.02%▲ 0.73% above avgNationally 2.92%
Details

Effective as of 9/22/2026

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 60 month
$0
3.71% ▲ 0.69% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 0.69% above avgNationally 2.92%
Details

Balance: $500.00 - $49,999.99

Rate History
No change since Oct 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 14, 2026: 3.71% APYOct 14, 2026Oct 25, 2026
Eastmill Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$1,000
3.66% ▲ 0.64% above Maine avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 0.64% above avgNationally 2.92%
Details

Certificates $1,000.00 minimum; APY accurate as of 4/1/2026; dividend rate fixed for term; applies to Share and IRA Certificates

Rate History
No change since Oct 22, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 22, 2026: 3.66% APYOct 22, 2026Oct 25, 2026
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
60 Month Share & IRA Certificates
$2,000
3.61% ▲ 0.59% above Maine avg
View
▼
Rate3.55%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 0.59% above avgNationally 2.92%
Details

Penalty: 365 days

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 7 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 25, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Share Certificate - 60 Months
$0
3.61% ▲ 0.59% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Maine Average3.02%▲ 0.59% above avgNationally 2.92%
Details

$500 minimum balance required to earn APY

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 8 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
60 Month IRA Certificate
$500
3.56% ▲ 0.54% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 0.54% above avgNationally 2.92%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 25, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
60 Month Share Certificate
$500
3.56% ▲ 0.54% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 0.54% above avgNationally 2.92%
Details

Dividends compounded monthly and credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renews automatically

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 25, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA Certificate - 5 Years
$0
3.56% ▲ 0.54% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Maine Average3.02%▲ 0.54% above avgNationally 2.92%
Details

Individual Retirement Account Certificate (IRA); Dividends compounded daily and paid monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
2.95%3.51%4.06%Sep 14, 2026: 3.45% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.56%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
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.

Top CD Rates from Ellsworth, Maine Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Machias Savings Bank
36 Month IRA
A+ 5.0 ★ TX: 3.11%
Min: $100
4.50%
TD Bank
24 Month TD Choice CD
A+ 5.0 ★ TX: 3.71%
Min: $250
4.30%
Bar Harbor Bank & Trust
12-month CD
A+ 5.0 ★ TX: 3.26%
Min: $1,000
3.75%
Franklin SB Farmington, ME
1-Year Certificate
A 5.0 ★ TX: 6.48%
Min: $500
3.45%
Camden National Bank
6-Month CD
A+ 5.0 ★ TX: 1.50%
Min: $1,000
3.35%
CU Top 5 Credit Union Rates
Bangor Federal Credit Union
5 Year Jumbo Share Certificate
A+ 5.0 ★ TX: 3.80%
Min: $100,000
4.23%
Seaboard Federal Credit Union
60 Month Premium Certificate
A 5.0 ★ TX: 9.09%
Min: $0
4.13%
Maine Savings Federal Credit Union
Share & IRA Certificates - 60 Month
A- 5.0 ★ TX: 15.25%
Min: $500
4.00%
Dirigo Federal Credit Union
3 Year Jumbo Share Certificates
A 5.0 ★ TX: 6.54%
Min: $0
4.60%
Maine Family Federal Credit Union
3 Year Certificate
A+ 5.0 ★ TX: 1.43%
Min: $500
4.50%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Ellsworth, ME CD Rate Trends

Compare local Ellsworth, ME 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.

View Full Maine CD Trends
12-Month CD ME Avg
3.445%
▲ 0.041 vs 7 days ago

Maine 12-month CD rates rose 0.041 points over the past 7 days to 3.445% APY.

6-Month CD ME Avg
3.256%
▼ 0.017 vs 7 days ago

Maine 6-month CD rates fell 0.017 points over the past 7 days to 3.256% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

ME CD Rate Forecast, Next 12 Months

Where are Maine CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

ME 12-Month Avg APY
3.445%
6-Month Forecast
3.445%
Range: 3.25%, 3.60%
12-Month Forecast
3.695%
Range: 3.50%, 3.85%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Maine average 12-month CD APY in our database.

Spread model: The Maine 12-month CD average currently trades 0.93% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.094% $104.71 $209.42 $523.55 $1,047.10
6-Month CD 3.256% $162.80 $325.60 $814.00 $1,628.00
12-Month CD 3.445% $172.24 $344.48 $861.20 $1,722.40
18-Month CD 3.371% $168.57 $337.13 $842.83 $1,685.65
24-Month CD 3.294% $164.70 $329.39 $823.47 $1,646.95
36-Month CD 3.116% $155.80 $311.59 $778.98 $1,557.95
48-Month CD 3.141% $157.03 $314.06 $785.15 $1,570.30
60-Month CD 3.018% $150.90 $301.79 $754.48 $1,508.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Ellsworth, 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.

Build Your Ladder
Rung Term Deposit ME Avg APY Annual Earnings
1 3-Month CD $5,000 2.094% $104.71
2 6-Month CD $5,000 3.256% $162.80
3 12-Month CD $5,000 3.445% $172.24
4 24-Month CD $5,000 3.294% $164.70
5 36-Month CD $5,000 3.116% $155.80
Total ($25,000 invested) $25,000 3.041% blended $760.25/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.

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718
CD Rates
Tracked in Ellsworth, Maine
22 Banks 45 Credit Unions

About Our Ellsworth, Maine CD Rate Database

MonitorBankRates tracks 718 CD rates from 22 banks and 45 credit unions with locations in Ellsworth, 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 to 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: Machias Savings Bank offers a CD at 4.50% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Ellsworth, Maine.

How to Find the Best CD Rates in Ellsworth, Maine

What to compare when shopping for a CD in Ellsworth, Maine

To find the best APYs in Ellsworth, Maine, start with credit unions and online-only banks: Ellsworth, Maine has 45 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 Ellsworth, 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 Ellsworth, Maine: 67 institutions here report CD rates

Consider an Alternative If…

Ellsworth, Maine Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
22.1%
National avg: 17.3%
Median Individual Earnings
$41,984
National avg: $47,340
Poverty Rate
9.3%
National avg: 11.1%
Unemployment Rate
2.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$145/yr
At ME 12-mo avg 3.445% APY

22.1% 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; a low unemployment rate of 2.8% reflects a strong local economy. At today’s ME 12-month CD average of 3.445%, saving 10% of the local median salary ($4,198/year) and putting it in a CD would earn an additional $145 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 Ellsworth, 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 to 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 Ellsworth, 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 Ellsworth, 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 Ellsworth, Maine as everywhere in the U.S.

Choosing a CD Term in Ellsworth, 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 Ellsworth, Maine savers easier access to their funds. For example, Bangor Federal Credit Union is offering its 6 Month Jumbo Share Certificate at 3.97% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Bangor Federal Credit Union is offering its 5 Year Jumbo Share Certificate at 4.23% 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 Ellsworth, 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 Ellsworth, 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 Ellsworth, 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 Ellsworth, 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 Ellsworth, Maine

Most CDs carry a fixed rate that is locked for the entire term, protecting a Ellsworth, 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 Ellsworth, Maine

Are CD rates in Ellsworth, Maine FDIC insured?

Yes, most established banks in Ellsworth, 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 Ellsworth, 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 Ellsworth, 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 Ellsworth, 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 Ellsworth, Maine?

Here are recent top rates found for this area:
  • Machias Savings Bank: 4.50% APY (36 Month IRA)
  • TD Bank: 4.30% APY (24 Month TD Choice CD)
  • Bangor Federal Credit Union: 4.23% APY (5 Year Jumbo Share Certificate)
  • Seaboard Federal Credit Union: 4.13% APY (60 Month Premium Certificate)
  • Maine Savings Federal Credit Union: 4.00% APY (Share & IRA Certificates - 60 Month)
  • Bar Harbor Bank & Trust: 3.75% APY (12-month CD)
  • Franklin SB Farmington, ME: 3.45% APY (1-Year Certificate)
  • Camden National Bank: 3.35% APY (6-Month CD)
  • Bangor Savings Bank: 2.53% APY (3 Month Certificate of Deposit - Benefit Plus)
  • Androscoggin Savings Bank: 4.64% APY (18 Month Variable Rate IRA CD)
Rates reflect recent verified offers available in Ellsworth, Maine. Last Updated: October 23, 2026

Ellsworth, Maine CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Ellsworth, Maine rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
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Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Ellsworth, Maine CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Ellsworth, Maine. Averages shown use the Maine state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Ellsworth, Maine

Ellsworth, Maine CD Calculator

At today’s ME top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

Ellsworth, Maine CD Ladder

ME CD rates currently range from 2.094% (3-month) to 3.116% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Ellsworth, Maine CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Maine’s average 12-month CD is 3.445% 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 Ellsworth, 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 Ellsworth, 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 Ellsworth, 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: October 23, 2026

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