Ellsworth, Maine CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
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Current Ellsworth, Maine CD rates include Maine Savings Federal Credit UnionMaine Savings Federal Credit Union25 Resort Way, Ellsworth, ME 04605A-4.9 ★Texas Ratio: 15.48%Real return: +0.95%APY minus CPI (February 2026) offering 18 month at 3.75% APY, Bangor Federal Credit UnionBangor Federal Credit Union175 High St Ste 7, Ellsworth, ME 04605 1730A+5.0 ★Texas Ratio: 2.48%Real return: +0.86%APY minus CPI (February 2026) offering 1-Year Share Certificate at 3.66% APY, Camden National BankCamden National Bank66 Main St, Ellsworth, ME 04605A+5.0 ★Texas Ratio: 0.98%Real return: +0.55%APY minus CPI (February 2026) offering 6-Month CD at 3.35% APY, TD BankTD Bank217 High St, Ellsworth, ME 04605A5.0 ★Texas Ratio: 6.30%Real return: -1.80%APY minus CPI (February 2026) offering 5 Year at 1.00% APY, and Bangor Savings BankBangor Savings Bank59 Foster St, Ellsworth, ME 04605A+5.0 ★Texas Ratio: 2.55%Real return: -1.95%APY minus CPI (February 2026) offering 12 Month CD - Benefit Plus at 0.85% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Ellsworth has 27 local institutions in our database, with CD rates as high as 3.75% APY from Maine Savings Federal Credit Union at 25 Resort Way, 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 — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 25, 2026
Compare Best CD Rates in Ellsworth, Maine & the Surrounding Area
Ellsworth 3 Month CD Rates
Elevate Account Dividend Rates: 2.75%, Elevate Account APY: 2.78%
Ellsworth 6 Month CD Rates
APY = Annual Percentage Yield
Dividends Compounded: daily
Penalty: 90 days
Elevate Account Dividend Rates: 2.80%, Elevate Account APY: 2.83%
Compounded
Penalty: 90 days
Relationship Rates
Simple
Ellsworth 12 Month CD Rates
APY = Annual Percentage Yield
Take advantage of 3.66% APY dividends from our 6 & 12-month share certificate terms.
Relationship APY: 1.00%
Dividends Compounded: daily
Penalty: 180 days
Includes one penalty-free withdrawal per quarter.
Elevate Account Dividend Rates: 2.90%, Elevate Account APY: 2.94%
Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible.
Includes one penalty-free withdrawal per quarter.
Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible.
Penalty: 180 days
Relationship Rates
Online Only
Ellsworth 18 Month CD Rates
Variable Rate
Dividends Compounded: daily
Includes one penalty-free withdrawal per quarter.
Elevate Account Dividend Rates: 2.95%, Elevate Account APY: 2.99%
Includes one penalty-free withdrawal per quarter.
Ellsworth 24 Month CD Rates
Penalty: 180 days
Dividends Compounded: daily
Elevate Account Dividend Rates: 3.00%, Elevate Account APY: 3.04%
Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible.
Penalty applies for early withdrawal. Fees could reduce earnings on any account. $100 minimum to open. IRA eligible.
Elevate Account Dividend Rates: 2.90%, Elevate Account APY: 2.94% APY. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.
Penalty: 180 days
Relationship Rates
Ellsworth 36 Month CD Rates
Penalty: 365 days
Dividends Compounded: daily
Elevate Account Dividend Rates: 3.10%, Elevate Account APY: 3.14%
Elevate Account Dividend Rates: 3.00%, Elevate Account APY: 3.04% APY. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.
Penalty: 365 days
Relationship Rates
Ellsworth 48 Month CD Rates
Penalty: 365 days
Elevate Account Dividend Rates: 3.15%, Elevate Account APY: 3.19%
Elevate Account Dividend Rates: 3.10%, Elevate Account APY: 3.14% APY. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.
Relationship Rates
Ellsworth 60 Month CD Rates
Penalty: 365 days
Elevate Account Dividend Rates: 3.20%, Elevate Account APY: 3.24%
Elevate Account Dividend Rates: 3.20%, Elevate Account APY: 3.25% APY. Certificates carry a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible.
Dividends Compounded: daily
Relationship Rates
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
Maine 12-month CD rates rose 0.283 points over the past 7 days to 2.108% APY.
Maine 6-month CD rates rose 0.486 points over the past 7 days to 2.561% APY.
ME CD Rate Forecast — Next 12 Months
Where are Maine CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at ME CD Rates Today
Annual interest earnings at today’s Maine average APYs. State average used where available; national average as fallback.
| CD Term | ME Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.091% | $54.55 | $109.09 | $272.73 | $545.45 |
| 6-Month CD | 2.561% | $128.04 | $256.07 | $640.18 | $1,280.35 |
| 12-Month CD | 2.108% | $105.39 | $210.78 | $526.95 | $1,053.90 |
| 18-Month CD | 2.000% | $100.02 | $200.04 | $500.10 | $1,000.20 |
| 24-Month CD | 1.851% | $92.55 | $185.09 | $462.73 | $925.45 |
| 36-Month CD | 1.645% | $82.25 | $164.49 | $411.23 | $822.45 |
| 48-Month CD | 1.873% | $93.67 | $187.33 | $468.33 | $936.65 |
| 60-Month CD | 1.681% | $84.04 | $168.08 | $420.20 | $840.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for 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.
| Rung | Term | Deposit | ME Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.091% | $54.55 |
| 2 | 6-Month CD | $5,000 | 2.561% | $128.04 |
| 3 | 12-Month CD | $5,000 | 2.108% | $105.39 |
| 4 | 24-Month CD | $5,000 | 1.851% | $92.55 |
| 5 | 36-Month CD | $5,000 | 1.645% | $82.25 |
| Total ($25,000 invested) | $25,000 | 1.851% blended | $462.78/yr | |
Ladder example uses equal $5,000 rungs and Maine average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Ellsworth, Maine
About Our Ellsworth, Maine CD Rate Database
MonitorBankRates tracks 218 CD rates from 12 banks and 15 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 (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Maine Savings Federal Credit Union offers a CD at 3.75% APY with a minimum deposit of $500. 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 15 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in 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 — 27 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Ellsworth, Maine savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Ellsworth, Maine money market rates
Ellsworth, Maine Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
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 2.108%, saving 10% of the local median salary ($4,198/year) and putting it in a CD would earn an additional $88 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 (90–180 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 Share Certificate at 3.66% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Maine Savings Federal Credit Union is offering its 5 year at 3.15% 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?
Do I have to pay state taxes on CD interest in Ellsworth, Maine?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Ellsworth, Maine?
- Maine Savings Federal Credit Union: 3.75% APY (18 month)
- Bangor Federal Credit Union: 3.66% APY (6-Month Share Certificate)
- Camden National Bank: 3.35% APY (6-Month CD)
- TD Bank: 1.00% APY (12 Month CD)
- Bangor Savings Bank: 0.85% APY (12 Month CD - Benefit Plus)
- Maine Highlands Federal Credit Union: 4.07% APY (IRA Certificates 60 Months)
- Androscoggin Savings Bank: 4.01% APY (18 Month Variable Rate IRA CD)
- Northeast Bank Portland, ME: 3.95% APY (6-Month CD)
- Gardiner Federal Credit Union: 3.87% APY (48 Month IRA Certificate)
- KV Federal Credit Union: 3.87% APY (2 Year Certificate of Deposit)
CD Calculators for Ellsworth, Maine
At today’s ME top rate of 3.75% APY, a $10,000 deposit earns $375 in the first year. Enter your amount to see your exact return.
Ellsworth, Maine CD LadderME CD rates currently range from 1.091% (3-month) to 1.645% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Ellsworth, Maine CD at 3.75% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMaine’s average 12-month CD is 2.108% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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.
