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CD Rate Trends

Lebanon, Maine Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 14, 2026

Lebanon, Maine CD rates from banks and credit unions serving Maine range from 0.10% to 4.64% APY, verified by MonitorBankRates as of October 14, 2026. Current Lebanon, Maine CD rates include Androscoggin Savings BankAndroscoggin Savings BankA+5.0 ★Texas Ratio: 3.70%Real return: +1.84%APY minus CPI (February 2026) offering 18 Month Variable Rate IRA CD at 4.64% APY, Dirigo Federal Credit UnionDirigo Federal Credit UnionA5.0 ★Texas Ratio: 6.54%Real return: +1.80%APY minus CPI (February 2026) offering 3 Year Jumbo IRA Certificates at 4.60% APY, Maine Family Federal Credit UnionMaine Family Federal Credit UnionA+5.0 ★Texas Ratio: 1.43%Real return: +1.70%APY minus CPI (February 2026) offering 3 Year Certificate at 4.50% APY, Empeople Credit UnionEmpeople Credit UnionA+5.0 ★Texas Ratio: 5.75%Real return: +1.60%APY minus CPI (February 2026) offering 18 Month Certificate at 4.40% APY, and Oxford Federal Credit UnionOxford Federal Credit UnionA+5.0 ★Texas Ratio: 1.73%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Certificate at 4.30% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Lebanon is a smaller community with no bank or credit union branches currently in our database. 611 institutions serving the Maine area are available to Lebanon residents, with CD rates as high as 4.64% APY from Androscoggin Savings Bank. 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 14, 2026

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

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

Lebanon 3 Month CD Rates

Maine 3 Month CD Average1.98% APYNational 2.09%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75% ▲ 1.77% above Maine avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average1.98%▲ 1.77% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
3 Month Certificate
$0
3.56% ▲ 1.58% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 1.58% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 20, 2026: 3.56% APYSep 20, 2026Oct 14, 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% ▲ 1.58% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 1.58% above avgNationally 2.09%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 3 Month
$0
3.56% ▲ 1.58% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average1.98%▲ 1.58% above avgNationally 2.09%
Details

Balance: $500.00+

Rate History
No change since Oct 14, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 14, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
3 Month Roth Share Certificate
$500
3.50% ▲ 1.52% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average1.98%▲ 1.52% above avgNationally 2.09%
Details

Effective As of 06/01/2026; APY assumes dividends remain on deposit until maturity; View IRA/Roth IRA Certificates Rates

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Share Certificate - 3-Month
$500
3.50% ▲ 1.52% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average1.98%▲ 1.52% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
3 Month Premium Certificate
$0
3.20% ▲ 1.22% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 1.22% above avgNationally 2.09%
Details

Balance: $100,000 - $100,000

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 14, 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%
3 Month Premium IRA Certificate
$0
3.20% ▲ 1.22% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 1.22% above avgNationally 2.09%
Details

Balance: $100,000 - $100,000

Rate History
No change since Oct 4, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Oct 4, 2026: 3.20% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
3 Month Business Certificate
$0
3.09% ▲ 1.11% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 1.11% above avgNationally 2.09%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 4, 2026: 3.09% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
3 Month Certificate
$0
3.09% ▲ 1.11% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 1.11% above avgNationally 2.09%
Details

Balance: $500 - $500

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 14, 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%
3 Month HSA Certificate
$0
3.09% ▲ 1.11% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 1.11% above avgNationally 2.09%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 4, 2026: 3.09% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
3 Month IRA Certificate
$0
3.09% ▲ 1.11% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 1.11% above avgNationally 2.09%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 4, 2026: 3.09% APYOct 4, 2026Oct 14, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 3 Months - Elevate Account
$500
2.78% ▲ 0.80% above Maine avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average1.98%▲ 0.80% above avgNationally 2.09%
Details

Elevate Account rate; IRA eligible; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 13, 2026: 2.78% APYOct 13, 2026Oct 14, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
3 Month Share Certificate
$0
2.75% ▲ 0.77% above Maine avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average1.98%▲ 0.77% above avgNationally 2.09%
Details

No Early Withdrawal Penalty; Effective 9/1/26; Fees could reduce APY earnings on an account

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 3 Months
$500
2.68% ▲ 0.70% above Maine avg
View
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average1.98%▲ 0.70% above avgNationally 2.09%
Details

IRA eligible; penalty for early withdrawal; Standard dividend rate

Rate History
No change since Sep 14, 2026 · 2.68% APY · checked 3 times
2.18%2.68%3.18%Sep 14, 2026: 2.68% APYSep 14, 2026Oct 14, 2026
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
3 Month CD
$500
2.25% ▲ 0.27% above Maine avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average1.98%▲ 0.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 19, 2026: 2.25% APYSep 19, 2026Oct 14, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3 Month Certificate
$500
2.25% ▲ 0.27% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 0.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APYSep 25, 2026Oct 14, 2026
First Federal S&L Bath
Institution Rating:
A-5.0 ★Texas Ratio: 14.93%
90 Day Certificate of Deposit
$1,000
2.02% ▲ 0.04% above Maine avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 0.04% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3 Month IRA Certificates
$0
2.02% ▲ 0.04% above Maine avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 0.04% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 20, 2026: 2.02% APYSep 20, 2026Oct 14, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
3 Month Share Certificates
$0
2.02% ▲ 0.04% above Maine avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 0.04% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 20, 2026: 2.02% APYSep 20, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Share Certificates - 3 month
$500
2.02% ▲ 0.04% above Maine avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▲ 0.04% above avgNationally 2.09%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Sep 18, 2026: 2.02% APYSep 18, 2026Oct 14, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
3 Mo. Share Certificate
$100
1.90% ▼ 0.08% below Maine avg
View
▼
Rate1.88%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average1.98%▼ 0.08% below avgNationally 2.09%
Details

Rate History
1 change since Sep 30, 2026 · 1.65% → 1.90% ▲ 0.25 pts · high 1.90% / low 1.65%
1.15%1.78%2.40%Sep 30, 2026: 1.65% APYOct 6, 2026: 1.90% APYSep 30, 2026Oct 14, 2026
  • Oct 6, 20261.90%▲ from 1.65%
  • Sep 30, 20261.65%first recorded
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
Share Certificate - 3 Months
$500
1.51% ▼ 0.47% below Maine avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average1.98%▼ 0.47% below avgNationally 2.09%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Certificate - 3 Month
$500
1.00% ▼ 0.98% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▼ 0.98% below avgNationally 2.09%
Details

Penalties may apply for early withdrawal.

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 14, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
IRA Certificate - 3 Month
$500
1.00% ▼ 0.98% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▼ 0.98% below avgNationally 2.09%
Details

Penalties may apply for early withdrawal

Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3 Month IRA Certificates
$0
0.95% ▼ 1.03% below Maine avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average1.98%▼ 1.03% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 13, 2026 · 0.95% APY
0.45%0.95%1.45%Oct 13, 2026: 0.95% APYOct 13, 2026Oct 14, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
3 Month CERTIFICATE OF DEPOSIT
$500
0.81% ▼ 1.17% below Maine avg
View
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▼ 1.17% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.81% APY · checked 6 times
0.31%0.81%1.31%Sep 14, 2026: 0.81% APYSep 14, 2026Oct 14, 2026
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
RSB 3-Month Certificate
$500
0.25% ▼ 1.73% below Maine avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average1.98%▼ 1.73% below avgNationally 2.09%
Details

Rate History
No change since Oct 3, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 3, 2026: 0.25% APYOct 3, 2026Oct 14, 2026
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
3 month CD/IRA
$500
0.20% ▼ 1.78% below Maine avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average1.98%▼ 1.78% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 14, 2026
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
3-month CD/IRA
$0
0.20% ▼ 1.78% below Maine avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average1.98%▼ 1.78% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 14, 2026

Lebanon 6 Month CD Rates

Maine 6 Month CD Average3.25% APYNational 2.77%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Certificate
$500
4.20% ▲ 0.95% above Maine avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.95% above avgNationally 2.77%
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 14, 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 IRA Certificates
$0
4.20% ▲ 0.95% above Maine avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.95% above avgNationally 2.77%
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 14, 2026: 4.20% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.20%▲ from 4.05%
  • Sep 24, 20264.05%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo Share Certificates - 6 Month
$0
4.20% ▲ 0.95% above Maine avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.95% above avgNationally 2.77%
Details

Rate History
No change since Oct 6, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 6, 2026: 4.20% APYOct 6, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificate
$500
4.10% ▲ 0.85% above Maine avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.85% above avgNationally 2.77%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 6 Month
$0
4.10% ▲ 0.85% above Maine avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.85% above avgNationally 2.77%
Details

Rate History
1 change since Sep 24, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 24, 2026: 3.95% APYOct 6, 2026: 4.10% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.10%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 6 Months
$500
4.10% ▲ 0.85% above Maine avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.85% above avgNationally 2.77%
Details

Rate History
1 change since Sep 24, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 24, 2026: 3.95% APYOct 6, 2026: 4.10% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.10%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
6 Month Share Certificates
$0
4.05% ▲ 0.80% above Maine avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.80% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Business Share Certificate - 6 months
$0
4.05% ▲ 0.80% above Maine avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.80% above avgNationally 2.77%
Details

Early withdrawal: 90 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Share Certificates - Personal & Business - 6 months
$0
4.05% ▲ 0.80% above Maine avg
View
▼
Rate3.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.80% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Month Certificate
$1,000
4.00% ▲ 0.75% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.75% above avgNationally 2.77%
Details

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 14, 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%
Share and IRA Certificate - 6 Months
$500
3.98% ▲ 0.73% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.73% above avgNationally 2.77%
Details

Share and IRA Certificates ($500 minimum); As of October 2, 2026

Rate History
No change since Oct 14, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 14, 2026: 3.98% APYOct 14, 2026Oct 14, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 6 Month Special - Elevate Account
$500
3.92% ▲ 0.67% above Maine avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.67% above avgNationally 2.77%
Details

Elevate Account rate; IRA eligible; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 14, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
6 Month CERTIFICATE OF DEPOSIT
$500
3.90% ▲ 0.65% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.65% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
6 Month Share Certificate
$0
3.85% ▲ 0.60% above Maine avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.60% above avgNationally 2.77%
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 14, 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% ▲ 0.57% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.57% above avgNationally 2.77%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 6 Month Special
$500
3.82% ▲ 0.57% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.57% above avgNationally 2.77%
Details

IRA eligible; penalty for early withdrawal; Standard dividend rate

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 9, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 6 Month Term
$0
3.76% ▲ 0.51% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.51% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.76% APY
3.26%3.76%4.26%Oct 12, 2026: 3.76% APYOct 12, 2026Oct 14, 2026
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6 Month Share Certificates
$2,500
3.75% ▲ 0.50% above Maine avg
View
▼
Rate3.69%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.50% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
6 Month Share Certificate & IRA Certificate
$0
3.75% ▲ 0.50% above Maine avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.50% above avgNationally 2.77%
Details

Call to Open

Rate History
1 change since Sep 18, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 4.00% APYOct 14, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.75%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
6 Month Premium Certificate
$0
3.71% ▲ 0.46% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.46% above avgNationally 2.77%
Details

Balance: $100,000 - $100,000

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 14, 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%
6 Month Premium IRA Certificate
$0
3.71% ▲ 0.46% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.46% above avgNationally 2.77%
Details

Balance: $100,000 - $100,000

Rate History
No change since Oct 4, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Oct 4, 2026: 3.71% APYOct 4, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
6 Month IRA Certificates
$0
3.71% ▲ 0.46% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.46% above avgNationally 2.77%
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 14, 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%
6 Month Share Certificates
$0
3.71% ▲ 0.46% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.46% above avgNationally 2.77%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 5, 2026: 3.71% APYOct 5, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
6 Month Jumbo Certificates
$0
3.71% ▲ 0.46% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.46% above avgNationally 2.77%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; Early withdrawal penalty may apply

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 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Jumbo Certificates - 6 Months
$0
3.71% ▲ 0.46% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.46% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 6 Month
$0
3.71% ▲ 0.46% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.46% above avgNationally 2.77%
Details

Balance: $50,000.00+

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Certificate - 6 Months
$500
3.71% ▲ 0.46% above Maine avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.46% above avgNationally 2.77%
Details

Rates are accurate as of 04/08/2026

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
6 Month IRA Certificate
$1,000
3.70% ▲ 0.45% above Maine avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.45% above avgNationally 2.77%
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 Sep 25, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
6 Month Share Certificate Account
$1,000
3.70% ▲ 0.45% above Maine avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.45% above avgNationally 2.77%
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 Sep 25, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 14, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
6 Month Certificate Accounts
$0
3.70% ▲ 0.45% above Maine avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Maine Average3.25%▲ 0.45% above avgNationally 2.77%
Details

Balance: $2,000 - 6 Months; Type: Fixed

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
6 Month IRA Certificate
$0
3.70% ▲ 0.45% above Maine avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Maine Average3.25%▲ 0.45% above avgNationally 2.77%
Details

Balance: $2,000 - 6 Months; Fixed

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
6 Month Share Certificates
$500
3.66% ▲ 0.41% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.41% above avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Sep 25, 2026: 3.66% APYSep 25, 2026Oct 14, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 6 Month
$0
3.66% ▲ 0.41% above Maine avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.41% above avgNationally 2.77%
Details

Balance: $500.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
6 Month Business Certificate
$0
3.61% ▲ 0.36% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.36% above avgNationally 2.77%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
6 Month Certificate
$0
3.61% ▲ 0.36% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.36% above avgNationally 2.77%
Details

Balance: $500 - $500

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 14, 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%
6 Month HSA Certificate
$0
3.61% ▲ 0.36% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.36% above avgNationally 2.77%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
6 Month IRA Certificate
$0
3.61% ▲ 0.36% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.36% above avgNationally 2.77%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 4, 2026: 3.61% APYOct 4, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Share Certificates - 6 month
$500
3.56% ▲ 0.31% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.31% above avgNationally 2.77%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 14, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
Share Certificate - 6 Months
$500
3.56% ▲ 0.31% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.31% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
6 Month Share Certificates
$1,000
3.56% ▲ 0.31% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.31% above avgNationally 2.77%
Details

Dividend Penalty: 90 days

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 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
IRA Share Certificates - 6 months
$1,000
3.56% ▲ 0.31% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.31% above avgNationally 2.77%
Details

Dividend Penalty: 90 days; Opened in person only

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 14, 2026
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Share, IRA & HSA Certificates of Deposit - 6 Month
$0
3.56% ▲ 0.31% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.31% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 Month CD
$500
3.51% ▲ 0.26% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.25%▲ 0.26% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Oct 14, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificates of Deposit (CDs) - Special Offerings 6 Month Special
$500
3.50% ▲ 0.25% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.25%▲ 0.25% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Individual Retirement Accounts (IRAs) - Special Offerings 6 Month Special
$500
3.50% ▲ 0.25% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.25%▲ 0.25% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 14, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
IRA & Share Certificate - 6 Month
$500
3.50% ▲ 0.25% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.25% above avgNationally 2.77%
Details

Certificates renew automatically with a 7-day grace period; substantial penalty for early withdrawal of principal

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
6 Month Share Certificate
$0
3.50% ▲ 0.25% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.25%▲ 0.25% above avgNationally 2.77%
Details

Effective 9/1/26; Fees could reduce APY earnings on an account

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
6 Month Share Certificate
$500
3.45% ▲ 0.20% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.20% above avgNationally 2.77%
Details

Fixed-rate share certificate; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Certificates - 6 Months
$500
3.45% ▲ 0.20% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.25%▲ 0.20% above avgNationally 2.77%
Details

Minimum balance to open the account and earn the APY is $500; 6 month term is not available for IRA Certificates; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Bar Harbor SLA
Institution Rating:
A-4.9 ★Texas Ratio: 15.99%
6 MONTH CD
$500
3.40% ▲ 0.15% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.25%▲ 0.15% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026

Lebanon 12 Month CD Rates

Maine 12 Month CD Average3.37% APYNational 2.99%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1 Year Certificate
$500
4.30% ▲ 0.93% above Maine avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.93% 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 14, 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% ▲ 0.93% above Maine avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.93% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 4, 2026: 4.30% APYOct 4, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12 Month Certificate
$500
4.30% ▲ 0.93% above Maine avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.93% above avgNationally 2.99%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
1 Year Jumbo IRA Certificates
$0
4.30% ▲ 0.93% above Maine avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.93% 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 14, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.30%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo Share Certificates - 1 Year
$0
4.30% ▲ 0.93% above Maine avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.93% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 14, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 1 Year
$0
4.20% ▲ 0.83% above Maine avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.83% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 24, 2026: 3.90% APYOct 6, 2026: 4.20% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.20%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 1 Year
$500
4.20% ▲ 0.83% above Maine avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.83% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 24, 2026: 3.90% APYOct 6, 2026: 4.20% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.20%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Month Certificate
$1,000
4.10% ▲ 0.73% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.73% above avgNationally 2.99%
Details

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 14, 2026
  • Oct 4, 20264.10%▲ from 3.80%
  • Sep 25, 20263.80%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Share and IRA Certificate - 12 Months
$500
4.08% ▲ 0.71% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.71% above avgNationally 2.99%
Details

Share and IRA Certificates ($500 minimum); As of October 2, 2026

Rate History
No change since Oct 14, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 14, 2026: 4.08% APYOct 14, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Month IRA Share Certificate
$0
4.02% ▲ 0.65% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.65% above avgNationally 2.99%
Details

Balance: $150,000.00 or more

Rate History
No change since Oct 12, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 12, 2026: 4.02% APYOct 12, 2026Oct 14, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
12 Month CERTIFICATE OF DEPOSIT
$500
4.00% ▲ 0.63% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
1 Year IRA Certificate
$1,000
4.00% ▲ 0.63% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.63% 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
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 14, 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 Account
$1,000
4.00% ▲ 0.63% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.63% 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
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 12, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.00%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
12 Month Share Certificates
$2,500
4.00% ▲ 0.63% above Maine avg
View
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.63% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
12 Month Share Certificates
$0
4.00% ▲ 0.63% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Business Share Certificate - 12 months
$0
4.00% ▲ 0.63% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Early withdrawal: 180 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Share Certificates - Personal & Business - 12 months
$0
4.00% ▲ 0.63% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.63% 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
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
12 Month Share Certificate
$0
4.00% ▲ 0.63% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.63% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
12 Month Premium Certificate
$0
3.97% ▲ 0.60% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.60% above avgNationally 2.99%
Details

Balance: $100,000 - $100,000

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 14, 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%
12 Month Premium IRA Certificate
$0
3.97% ▲ 0.60% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.60% above avgNationally 2.99%
Details

Balance: $100,000 - $100,000

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 14, 2026
  • Oct 8, 20263.97%▲ from 3.76%
  • Oct 4, 20263.76%first recorded
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Certificates - 12 month
$500
3.97% ▲ 0.60% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.60% above avgNationally 2.99%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 18, 2026: 3.97% APYSep 18, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Share Certificates - 12 month
$500
3.97% ▲ 0.60% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.60% above avgNationally 2.99%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 18, 2026: 3.97% APYSep 18, 2026Oct 14, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Certificates of Deposit (CDs) - Special Offerings 12 Month Special
$500
3.95% ▲ 0.58% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.37%▲ 0.58% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.95% ▲ 0.70 pts · high 3.95% / low 3.25%
2.55%3.60%4.65%Sep 24, 2026: 3.25% APYOct 7, 2026: 3.95% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.95%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Individual Retirement Accounts (IRAs) - Special Offerings 12 Month Special
$500
3.95% ▲ 0.58% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.37%▲ 0.58% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.95% ▲ 0.70 pts · high 3.95% / low 3.25%
2.55%3.60%4.65%Sep 24, 2026: 3.25% APYOct 7, 2026: 3.95% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20263.95%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Month IRA Share Certificate
$0
3.92% ▲ 0.55% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.55% above avgNationally 2.99%
Details

Balance: $50,000.00 to $149,999.99

Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 14, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 12 Month Special - Elevate Account
$500
3.92% ▲ 0.55% above Maine avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.37%▲ 0.55% above avgNationally 2.99%
Details

Elevate Account rate; IRA eligible; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
12 Month Business Certificate
$0
3.87% ▲ 0.50% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.50% above avgNationally 2.99%
Details

Balance: $500 - $500

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 14, 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%
12 Month Certificate
$0
3.87% ▲ 0.50% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.50% above avgNationally 2.99%
Details

Balance: $500 - $500

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 14, 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%
12 Month HSA Certificate
$0
3.87% ▲ 0.50% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.50% above avgNationally 2.99%
Details

Balance: $500 - $500

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 14, 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%
12 Month IRA Certificate
$0
3.87% ▲ 0.50% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.50% above avgNationally 2.99%
Details

Balance: $500 - $500

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 14, 2026
  • Oct 8, 20263.87%▲ from 3.66%
  • Oct 4, 20263.66%first recorded
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
12 Month Fixed Rate IRA Share Certificates
$0
3.86% ▲ 0.49% above Maine avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.49% above avgNationally 2.99%
Details

IRA; Assumes dividends will be added to principal; Effective: October 01, 2026

Rate History
No change since Oct 4, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 4, 2026: 3.86% APYOct 4, 2026Oct 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
12 Month Fixed Rate Share Certificates
$0
3.86% ▲ 0.49% above Maine avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.49% above avgNationally 2.99%
Details

Assumes dividends will be added to principal; Effective: October 01, 2026

Rate History
No change since Oct 4, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 4, 2026: 3.86% APYOct 4, 2026Oct 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 12 Month Term
$0
3.86% ▲ 0.49% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.49% above avgNationally 2.99%
Details

Rates effective October 01, 2026; no rate premiums permitted

Rate History
No change since Oct 8, 2026 · 3.86% APY · checked 2 times
3.36%3.86%4.36%Oct 8, 2026: 3.86% APYOct 8, 2026Oct 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 12 Month Term
$0
3.86% ▲ 0.49% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.86% APY
3.36%3.86%4.36%Oct 12, 2026: 3.86% APYOct 12, 2026Oct 14, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
12 Month Share Certificate & IRA Certificate
$0
3.85% ▲ 0.48% above Maine avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.48% above avgNationally 2.99%
Details

Call to Open

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 14, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
12 Month Share Certificate Sow & Grow (Youth)
$0
3.85% ▲ 0.48% above Maine avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.48% above avgNationally 2.99%
Details

Call to Open

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 14, 2026
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Individual Retirement Account (IRA) Certificates & Share Certificates - 12 Month
$0
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Certificate - 12 Month SPECIAL
$500
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

Special rate; Penalties may apply for early withdrawal.

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
IRA Certificate - 12 Month SPECIAL
$500
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

SPECIAL; 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 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12 Month IRA Share Certificate
$0
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

Balance: $1,000.00 to $49,999.99

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
Share Certificate - 12 Months
$500
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1 Year IRA Certificates
$0
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.82% ▲ 0.11 pts · high 3.82% / low 3.71%
3.21%3.77%4.32%Sep 14, 2026: 3.71% APYSep 17, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Sep 17, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
12 Month Share Certificates
$1,000
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

Dividend Penalty: 180 days

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 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
IRA Share Certificates - 12 months
$1,000
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

Dividend Penalty: 180 days; Opened in person only

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 14, 2026
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Share, IRA & HSA Certificates of Deposit - 12 Month
$0
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

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 14, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
IRA Certificate - 12 Months
$500
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
Share Certificate - 12 Months
$500
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 12 Month Special
$500
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

IRA eligible; penalty for early withdrawal; Standard dividend rate

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 9, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Certificate - 12 Months
$500
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

Rates are accurate as of 04/08/2026

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
IRA Certificate - 12 Months
$500
3.82% ▲ 0.45% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.37%▲ 0.45% above avgNationally 2.99%
Details

Rates are accurate as of 04/08/2026.

Rate History
No change since Oct 10, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 10, 2026: 3.82% APYOct 10, 2026Oct 14, 2026

Lebanon 18 Month CD Rates

Maine 18 Month CD Average3.30% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 Month Variable Rate IRA CD
$500
4.64% ▲ 1.34% above Maine avg
View
▼
Rate4.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.30%▲ 1.34% above avgNationally 2.88%
Details

Variable Rate

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 14, 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%
18 Month Certificate
$500
4.40% ▲ 1.10% above Maine avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.30%▲ 1.10% above avgNationally 2.88%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 18 Month Term
$0
4.13% ▲ 0.83% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.83% above avgNationally 2.88%
Details

Rates effective October 01, 2026; no rate premiums permitted

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 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 18 Month Term
$0
4.13% ▲ 0.83% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 12, 2026: 4.13% APYOct 12, 2026Oct 14, 2026
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Share and IRA Certificate - 18 Months
$500
4.13% ▲ 0.83% above Maine avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.30%▲ 0.83% above avgNationally 2.88%
Details

Share and IRA Certificates ($500 minimum); As of October 2, 2026

Rate History
No change since Oct 14, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 14, 2026: 4.13% APYOct 14, 2026Oct 14, 2026
Milestones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
18 Month Share Certificates
$500
4.07% ▲ 0.77% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.77% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.35% → 4.07% ▲ 0.72 pts · high 4.07% / low 3.35%
2.63%3.71%4.79%Sep 25, 2026: 3.35% APYOct 12, 2026: 4.07% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.07%▲ from 3.35%
  • Sep 25, 20263.35%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
18 Month Premium Certificate
$0
4.02% ▲ 0.72% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.72% above avgNationally 2.88%
Details

Balance: $100,000 - $100,000

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 14, 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%
18 Month Premium IRA Certificate
$0
4.02% ▲ 0.72% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.72% above avgNationally 2.88%
Details

Balance: $100,000 - $100,000

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 14, 2026
  • Oct 8, 20264.02%▲ from 3.87%
  • Oct 4, 20263.87%first recorded
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
18 Month IRA Certificate
$1,000
4.00% ▲ 0.70% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.70% 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 Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
18 Month Share Certificate Account
$1,000
4.00% ▲ 0.70% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.70% 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 Sep 25, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
18 Month CERTIFICATE OF DEPOSIT
$500
3.95% ▲ 0.65% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.65% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
Share & IRA Certificate - 18 month
$500
3.95% ▲ 0.65% above Maine avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.65% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
18 Month Business Certificate
$0
3.92% ▲ 0.62% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.62% above avgNationally 2.88%
Details

Balance: $500 - $500

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 14, 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%
18 Month Certificate
$0
3.92% ▲ 0.62% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.62% above avgNationally 2.88%
Details

Balance: $500 - $500

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 14, 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%
18 Month HSA Certificate
$0
3.92% ▲ 0.62% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.62% above avgNationally 2.88%
Details

Balance: $500 - $500

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 14, 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%
18 Month IRA Certificate
$0
3.92% ▲ 0.62% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.62% above avgNationally 2.88%
Details

Balance: $500 - $500

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 14, 2026
  • Oct 8, 20263.92%▲ from 3.76%
  • Oct 4, 20263.76%first recorded
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Certificate - 18 Month SPECIAL
$500
3.82% ▲ 0.52% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.52% above avgNationally 2.88%
Details

Special rate; Penalties may apply for early withdrawal.

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
IRA Certificate - 18 Month SPECIAL
$500
3.82% ▲ 0.52% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.52% above avgNationally 2.88%
Details

SPECIAL; 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 14, 2026
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Share, IRA & HSA Certificates of Deposit - 18 Month
$0
3.82% ▲ 0.52% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.52% above avgNationally 2.88%
Details

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 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Certificates - 18 month
$500
3.76% ▲ 0.46% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.46% above avgNationally 2.88%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Share Certificates - 18 month
$500
3.76% ▲ 0.46% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.46% above avgNationally 2.88%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 14, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
18 Month CD
$0
3.75% ▲ 0.45% above Maine avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average3.30%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
18 Month Share Certificates
$1,000
3.71% ▲ 0.41% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.41% above avgNationally 2.88%
Details

Dividend Penalty: 270 days

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
IRA Share Certificates - 18 months
$1,000
3.71% ▲ 0.41% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.41% above avgNationally 2.88%
Details

Dividend Penalty: 270 days; Opened in person only

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Month Share Certificate
$0
3.65% ▲ 0.35% above Maine avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.30%▲ 0.35% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 Month IRA Certificates
$0
3.61% ▲ 0.31% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.31% above avgNationally 2.88%
Details

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

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 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 Month Share Certificates
$0
3.61% ▲ 0.31% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.31% above avgNationally 2.88%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 5, 2026: 3.61% APYOct 5, 2026Oct 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Certificate - 18 Months
$500
3.51% ▲ 0.21% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.30%▲ 0.21% above avgNationally 2.88%
Details

Rates are accurate as of 04/08/2026

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
IRA Certificate - 18 Months
$500
3.51% ▲ 0.21% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.30%▲ 0.21% above avgNationally 2.88%
Details

Rates are accurate as of 04/08/2026.

Rate History
No change since Oct 10, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 14, 2026
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
RSB 18-Month Certificate
$500
3.50% ▲ 0.20% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 3, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 3, 2026: 3.50% APYOct 3, 2026Oct 14, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
18 Month Roth Share Certificate
$500
3.50% ▲ 0.20% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.20% above avgNationally 2.88%
Details

Effective As of 06/01/2026; APY assumes dividends remain on deposit until maturity; View IRA/Roth IRA Certificates Rates

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Share Certificate - 18-Month
$500
3.50% ▲ 0.20% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.20% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Share Certificate - 18 Months
$1,000
3.45% ▲ 0.15% above Maine avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▲ 0.15% above avgNationally 2.88%
Details

Dividends compounded monthly; 90 days dividend forfeiture penalty on early withdrawal

Rate History
No change since Oct 12, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 14, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Month IRA Certificate
$0
3.45% ▲ 0.15% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.99% → 3.45% ▲ 0.46 pts · high 3.45% / low 2.99%
2.49%3.22%3.95%Sep 14, 2026: 2.99% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.45%▲ from 2.99%
  • Sep 14, 20262.99%first recorded
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Month Share Certificate
$0
3.45% ▲ 0.15% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.99% → 3.45% ▲ 0.46 pts · high 3.45% / low 2.99%
2.49%3.22%3.95%Sep 14, 2026: 2.99% APYOct 5, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.45%▲ from 2.99%
  • Sep 14, 20262.99%first recorded
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificates - 18 Months
$0
3.45% ▲ 0.15% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.15% above avgNationally 2.88%
Details

$1,000 minimum balance required to earn the APY; Penalty for early withdrawals

Rate History
1 change since Sep 14, 2026 · 3.19% → 3.45% ▲ 0.26 pts · high 3.45% / low 3.19%
2.69%3.32%3.95%Sep 14, 2026: 3.19% APYSep 25, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.45%▲ from 3.19%
  • Sep 14, 20263.19%first recorded
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
18 Month Share & IRA Certificates
$2,000
3.45% ▲ 0.15% above Maine avg
View
▼
Rate3.40%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▲ 0.15% above avgNationally 2.88%
Details

Penalty: 180 days

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
18 Mo. Rippling Waves Share or IRA Certificate
$500
3.35% ▲ 0.05% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.30%▲ 0.05% above avgNationally 2.88%
Details

Allows additional ($500 minimum) deposits

Rate History
1 change since Sep 30, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
2.60%3.23%3.85%Sep 30, 2026: 3.10% APYOct 6, 2026: 3.35% APYSep 30, 2026Oct 14, 2026
  • Oct 6, 20263.35%▲ from 3.10%
  • Sep 30, 20263.10%first recorded
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month Share Certificate
$0
3.30% At Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%At the averageNationally 2.88%
Details

Required minimum balance: $500.00; Dividends compounded daily

Rate History
No change since Oct 5, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Oct 5, 2026: 3.30% APYOct 5, 2026Oct 14, 2026
Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
Share Certificates - 18 months
$0
3.30% At Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%At the averageNationally 2.88%
Details

Dividends compounded daily; Required minimum balance $500.00

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
MyCom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Certificates - 18 Months
$0
3.29% ▼ 0.01% below Maine avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▼ 0.01% below avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 12, 2026: 3.29% APYOct 12, 2026Oct 14, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18 Month IRA Certificates
$0
3.04% ▼ 0.26% below Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▼ 0.26% below avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 20, 2026: 3.04% APYSep 20, 2026Oct 14, 2026
Sebasticook Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18 Month Share Certificates
$0
3.04% ▼ 0.26% below Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▼ 0.26% below avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 20, 2026: 3.04% APYSep 20, 2026Oct 14, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
Share Certificate - 18 Months
$500
3.04% ▼ 0.26% below Maine avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▼ 0.26% below avgNationally 2.88%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
18 Month Share Certificate
$0
3.04% ▼ 0.26% below Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.30%▼ 0.26% below avgNationally 2.88%
Details

Effective 9/1/26; Fees could reduce APY earnings on an account

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 14, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 18 Months - Elevate Account
$500
2.99% ▼ 0.31% below Maine avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▼ 0.31% below avgNationally 2.88%
Details

Elevate Account rate; IRA eligible; penalty for early withdrawal

Rate History
No change since Oct 13, 2026 · 2.99% APY
2.49%2.99%3.49%Oct 13, 2026: 2.99% APYOct 13, 2026Oct 14, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Liquid Certificates - 18 Months - Elevate Account
$5,000
2.94% ▼ 0.36% below Maine avg
View
▼
Rate2.90%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▼ 0.36% below avgNationally 2.88%
Details

Elevate Account rate; certificates carry a penalty for early withdrawal; includes one penalty-free withdrawal per quarter; fees could reduce earnings

Rate History
No change since Sep 14, 2026 · 2.94% APY · checked 2 times
2.44%2.94%3.44%Sep 14, 2026: 2.94% APYSep 14, 2026Oct 14, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Share Certificates - 18 Months
$500
2.89% ▼ 0.41% below Maine avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▼ 0.41% below avgNationally 2.88%
Details

IRA eligible; penalty for early withdrawal; Standard dividend rate

Rate History
No change since Sep 14, 2026 · 2.89% APY · checked 3 times
2.39%2.89%3.39%Sep 14, 2026: 2.89% APYSep 14, 2026Oct 14, 2026
cPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.04%
Liquid Certificates - 18 Months
$5,000
2.84% ▼ 0.46% below Maine avg
View
▼
Rate2.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.30%▼ 0.46% below avgNationally 2.88%
Details

Certificates carry a penalty for early withdrawal; includes one penalty-free withdrawal per quarter; fees could reduce earnings

Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 6 times
2.34%2.84%3.34%Sep 14, 2026: 2.84% APYSep 14, 2026Oct 14, 2026
Bar Harbor SLA
Institution Rating:
A-4.9 ★Texas Ratio: 15.99%
18 MONTH CD
$500
2.78% ▼ 0.52% below Maine avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.30%▼ 0.52% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 14, 2026

Lebanon 24 Month CD Rates

Maine 24 Month CD Average3.15% APYNational 2.88%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
2 Year Certificate
$500
4.40% ▲ 1.25% above Maine avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 1.25% above avgNationally 2.88%
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 14, 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% ▲ 1.25% above Maine avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 1.25% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 4, 2026: 4.40% APYOct 4, 2026Oct 14, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
2 Year Jumbo IRA Certificates
$0
4.35% ▲ 1.20% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 1.20% above avgNationally 2.88%
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 14, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.35%▲ from 4.11%
  • Sep 24, 20264.11%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo Share Certificates - 2 Year
$0
4.35% ▲ 1.20% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.88%
2-Year Share Certificate
$1,000
4.25% ▲ 1.10% above Maine avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 1.10% above avgNationally 2.88%
Details

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 14, 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%
24 Month Certificate
$500
4.25% ▲ 1.10% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 1.10% above avgNationally 2.88%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 2 Year
$0
4.25% ▲ 1.10% above Maine avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 1.10% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 2 Years
$500
4.25% ▲ 1.10% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 1.10% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
24 Month Certificate
$1,000
4.15% ▲ 1.00% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 1.00% above avgNationally 2.88%
Details

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 14, 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%
Share and IRA Certificate - 24 Months
$500
4.13% ▲ 0.98% above Maine avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 0.98% above avgNationally 2.88%
Details

Share and IRA Certificates ($500 minimum); As of October 2, 2026

Rate History
No change since Oct 14, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 14, 2026: 4.13% APYOct 14, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Month IRA Share Certificate
$0
4.07% ▲ 0.92% above Maine avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.92% above avgNationally 2.88%
Details

Balance: $150,000.00 or more

Rate History
No change since Oct 12, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Month IRA Share Certificate
$0
3.97% ▲ 0.82% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.82% above avgNationally 2.88%
Details

Balance: $50,000.00 to $149,999.99

Rate History
No change since Oct 12, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 12, 2026: 3.97% APYOct 12, 2026Oct 14, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
Variable Rate Certificates - 24 Months
$0
3.95% ▲ 0.80% above Maine avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 0.80% above avgNationally 2.88%
Details

Variable rate; dividend rate subject to change monthly based on the Federal Funds Rate; dividend rate will never be less than 2.50% (minimum APY 2.53%) and never exceed 5.50% (maximum APY 5.64%)

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 14, 2026
  • Oct 10, 20263.95%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
24 Month Premium Certificate
$0
3.92% ▲ 0.77% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.77% above avgNationally 2.88%
Details

Balance: $100,000 - $100,000

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 14, 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%
24 Month Premium IRA Certificate
$0
3.92% ▲ 0.77% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.77% above avgNationally 2.88%
Details

Balance: $100,000 - $100,000

Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 4, 2026: 3.92% APYOct 4, 2026Oct 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 24 Month Term
$0
3.91% ▲ 0.76% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.76% above avgNationally 2.88%
Details

Rates effective October 01, 2026; no rate premiums permitted

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 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 24 Month Term
$0
3.91% ▲ 0.76% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.76% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 14, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
24 Month CERTIFICATE OF DEPOSIT
$500
3.90% ▲ 0.75% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.75% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 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% ▲ 0.72% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.72% above avgNationally 2.88%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
24 Month IRA Share Certificate
$0
3.87% ▲ 0.72% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.72% above avgNationally 2.88%
Details

Balance: $1,000.00 to $49,999.99

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 14, 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% ▲ 0.72% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 14, 2026
TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
24 Month Share Certificates
$2,500
3.85% ▲ 0.70% above Maine avg
View
▼
Rate3.78%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.70% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
24 Month Business Certificate
$0
3.82% ▲ 0.67% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.67% above avgNationally 2.88%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
24 Month Certificate
$0
3.82% ▲ 0.67% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.67% above avgNationally 2.88%
Details

Balance: $500 - $500

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 14, 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%
24 Month HSA Certificate
$0
3.82% ▲ 0.67% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.67% above avgNationally 2.88%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
24 Month IRA Certificate
$0
3.82% ▲ 0.67% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.67% above avgNationally 2.88%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 14, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Certificate - 24 Month SPECIAL
$500
3.82% ▲ 0.67% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.67% above avgNationally 2.88%
Details

Special rate; Penalties may apply for early withdrawal.

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
IRA Certificate - 24 Month SPECIAL
$500
3.82% ▲ 0.67% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.67% above avgNationally 2.88%
Details

SPECIAL; 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 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
24 Month Share Certificates
$0
3.80% ▲ 0.65% above Maine avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 0.65% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Business Share Certificate - 24 months
$0
3.80% ▲ 0.65% above Maine avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 0.65% above avgNationally 2.88%
Details

Early withdrawal: 365 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Share Certificates - Personal & Business - 24 months
$0
3.80% ▲ 0.65% above Maine avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 0.65% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Certificates - 24 month
$500
3.76% ▲ 0.61% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.61% above avgNationally 2.88%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Share Certificates - 24 month
$500
3.76% ▲ 0.61% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.61% above avgNationally 2.88%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 18, 2026: 3.76% APYSep 18, 2026Oct 14, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
Share & IRA Certificate - 2 year
$500
3.75% ▲ 0.60% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
24 Month Share Certificate
$0
3.75% ▲ 0.60% above Maine avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
24 Month Share Certificates
$1,000
3.71% ▲ 0.56% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.56% above avgNationally 2.88%
Details

Dividend Penalty: 360 days

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
IRA Share Certificates - 24 months
$1,000
3.71% ▲ 0.56% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.56% above avgNationally 2.88%
Details

Dividend Penalty: 360 days; Opened in person only

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
2 Year Jumbo Certificates
$0
3.71% ▲ 0.56% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.56% above avgNationally 2.88%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; Early withdrawal penalty may apply

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 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Jumbo Certificates - 2 Years
$0
3.71% ▲ 0.56% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.56% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
Share Certificate - 24 Months
$500
3.67% ▲ 0.52% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.52% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.67% APY
3.17%3.67%4.17%Oct 12, 2026: 3.67% APYOct 12, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
24 Month IRA Certificate
$1,000
3.65% ▲ 0.50% above Maine avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.50% 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 Sep 25, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
24 Month Share Certificate Account
$1,000
3.65% ▲ 0.50% above Maine avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.50% 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 Sep 25, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 14, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2 Year IRA Certificate
$0
3.58% ▲ 0.43% above Maine avg
View
▼
Rate3.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Oct 9, 2026: 3.58% APYOct 9, 2026Oct 14, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2 Year Share Certificate
$0
3.58% ▲ 0.43% above Maine avg
View
▼
Rate3.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.58% APY · checked 2 times
3.08%3.58%4.08%Oct 9, 2026: 3.58% APYOct 9, 2026Oct 14, 2026
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Share Certificate - 24 Months
$1,000
3.56% ▲ 0.41% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.15%▲ 0.41% above avgNationally 2.88%
Details

Dividends compounded monthly; 90 days dividend forfeiture penalty on early withdrawal

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
2 Year IRA Certificates
$0
3.56% ▲ 0.41% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.41% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
2 Year Share Certificates
$0
3.56% ▲ 0.41% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.41% above avgNationally 2.88%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 14, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
IRA Certificate - 3, 6, 9, 15,18, 24 Months
$500
3.56% ▲ 0.41% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.15%▲ 0.41% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Certificate - 24 Months
$500
3.51% ▲ 0.36% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 0.36% above avgNationally 2.88%
Details

Rates are accurate as of 04/08/2026

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
IRA Certificate - 24 Months
$500
3.51% ▲ 0.36% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.15%▲ 0.36% above avgNationally 2.88%
Details

Rates are accurate as of 04/08/2026.

Rate History
No change since Oct 10, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 14, 2026

Lebanon 36 Month CD Rates

Maine 36 Month CD Average3.05% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
3 Year Jumbo IRA Certificates
$0
4.60% ▲ 1.55% above Maine avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 1.55% 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 14, 2026: 4.60% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.60%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo Share Certificates - 3 Year
$0
4.60% ▲ 1.55% above Maine avg
View
▼
Rate4.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 1.55% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 6, 2026: 4.60% APYOct 6, 2026Oct 14, 2026
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Year Certificate
$500
4.50% ▲ 1.45% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 1.45% 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 14, 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% ▲ 1.45% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 1.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 14, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 3 Year
$0
4.50% ▲ 1.45% above Maine avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 1.45% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.50% ▲ 0.71 pts · high 4.50% / low 3.79%
3.08%4.15%5.21%Sep 24, 2026: 3.79% APYOct 6, 2026: 4.50% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.50%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 3 Years
$500
4.50% ▲ 1.45% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 1.45% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.50% ▲ 0.71 pts · high 4.50% / low 3.79%
3.08%4.15%5.21%Sep 24, 2026: 3.79% APYOct 6, 2026: 4.50% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.50%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Certificate
$1,000
4.20% ▲ 1.15% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 1.15% above avgNationally 2.81%
Details

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 14, 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%
Share and IRA Certificate - 36 Months
$500
4.19% ▲ 1.14% above Maine avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 1.14% above avgNationally 2.81%
Details

Share and IRA Certificates ($500 minimum); As of October 2, 2026

Rate History
No change since Oct 14, 2026 · 4.19% APY
3.69%4.19%4.69%Oct 14, 2026: 4.19% APYOct 14, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
36 Month IRA Share Certificate
$0
4.13% ▲ 1.08% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 1.08% above avgNationally 2.81%
Details

Balance: $150,000.00 or more

Rate History
No change since Oct 12, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 12, 2026: 4.13% APYOct 12, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
36 Month IRA Share Certificate
$0
4.02% ▲ 0.97% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.97% above avgNationally 2.81%
Details

Balance: $50,000.00 to $149,999.99

Rate History
No change since Oct 12, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 12, 2026: 4.02% APYOct 12, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00% ▲ 0.95% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 0.95% above avgNationally 2.81%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
36 Month Premium Certificate
$0
3.92% ▲ 0.87% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.87% above avgNationally 2.81%
Details

Balance: $100,000 - $100,000

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 14, 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%
36 Month Premium IRA Certificate
$0
3.92% ▲ 0.87% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.87% above avgNationally 2.81%
Details

Balance: $100,000 - $100,000

Rate History
No change since Oct 4, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 4, 2026: 3.92% APYOct 4, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
36 Month IRA Share Certificate
$0
3.92% ▲ 0.87% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.87% above avgNationally 2.81%
Details

Balance: $1,000.00 to $49,999.99

Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 36 Month Term
$0
3.91% ▲ 0.86% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.86% above avgNationally 2.81%
Details

Rates effective October 01, 2026; no rate premiums permitted

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 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 36 Month Term
$0
3.91% ▲ 0.86% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 14, 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% ▲ 0.82% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.82% above avgNationally 2.81%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
36 Month Business Certificate
$0
3.82% ▲ 0.77% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.77% above avgNationally 2.81%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
36 Month Certificate
$0
3.82% ▲ 0.77% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.77% above avgNationally 2.81%
Details

Balance: $500 - $500

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 14, 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%
36 Month HSA Certificate
$0
3.82% ▲ 0.77% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.77% above avgNationally 2.81%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
36 Month IRA Certificate
$0
3.82% ▲ 0.77% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.77% above avgNationally 2.81%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 4, 2026: 3.82% APYOct 4, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Certificates - 36 month
$500
3.71% ▲ 0.66% above Maine avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.66% above avgNationally 2.81%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Share Certificates - 36 month
$500
3.71% ▲ 0.66% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.66% above avgNationally 2.81%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic; Dividend rate printed as 3.65/% on source

Rate History
No change since Sep 18, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 18, 2026: 3.71% APYSep 18, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3 Year Jumbo Certificates
$0
3.71% ▲ 0.66% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.66% above avgNationally 2.81%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; Early withdrawal penalty may apply

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 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Jumbo Certificates - 3 Years
$0
3.71% ▲ 0.66% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.66% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Year IRA Certificate
$0
3.68% ▲ 0.63% above Maine avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 9, 2026: 3.68% APYOct 9, 2026Oct 14, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3 Year Share Certificate
$0
3.68% ▲ 0.63% above Maine avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.68% APY · checked 2 times
3.18%3.68%4.18%Oct 9, 2026: 3.68% APYOct 9, 2026Oct 14, 2026
KSW Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
Share Certificate - 36 Months
$500
3.56% ▲ 0.51% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
36 Month Share Certificates
$1,000
3.56% ▲ 0.51% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.51% above avgNationally 2.81%
Details

Dividend Penalty: 540 days

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 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
IRA Share Certificates - 36 months
$1,000
3.56% ▲ 0.51% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.51% above avgNationally 2.81%
Details

Dividend Penalty: 540 days; Opened in person only

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 14, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificates - 36 Months
$0
3.56% ▲ 0.51% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.51% above avgNationally 2.81%
Details

$1,000 minimum balance required to earn the APY; 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 14, 2026
  • Sep 25, 20263.56%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Share, IRA & HSA Certificates of Deposit - 3 Year
$0
3.56% ▲ 0.51% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.51% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
IRA Certificate - 36 Months
$500
3.56% ▲ 0.51% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.51% above avgNationally 2.81%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
Share Certificate - 36 Months
$500
3.56% ▲ 0.51% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.51% above avgNationally 2.81%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
36 Month Share & IRA Certificates
$2,000
3.56% ▲ 0.51% above Maine avg
View
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.51% above avgNationally 2.81%
Details

Penalty: 365 days

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 14, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
36 Month CERTIFICATE OF DEPOSIT
$500
3.55% ▲ 0.50% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
3 Year IRA Certificate
$1,000
3.55% ▲ 0.50% above Maine avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.50% above avgNationally 2.81%
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 Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
3 Year Share Certificate Account
$1,000
3.55% ▲ 0.50% above Maine avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.50% above avgNationally 2.81%
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 Sep 25, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3 Year IRA Certificates
$0
3.51% ▲ 0.46% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.46% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3 Year Share Certificates
$0
3.51% ▲ 0.46% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.46% above avgNationally 2.81%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 5, 2026: 3.51% APYOct 5, 2026Oct 14, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
Share & IRA Certificate - 3 year
$500
3.50% ▲ 0.45% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
36 Month Share Certificate & IRA Certificate
$0
3.50% ▲ 0.45% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 0.45% above avgNationally 2.81%
Details

Call to Open

Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3 Year Share Certificate
$500
3.45% ▲ 0.40% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.40% above avgNationally 2.81%
Details

Fixed-rate share certificate; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Certificates - 3 Years
$500
3.45% ▲ 0.40% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.40% above avgNationally 2.81%
Details

Minimum balance to open the account and earn the APY is $500; Early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
IRA & Share Certificates of Deposit - 3 Year
$0
3.40% ▲ 0.35% above Maine avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.05%▲ 0.35% above avgNationally 2.81%
Details

Minimum deposit to earn dividends: $1000.00; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 14, 2026
Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
IRA & Share Certificate - 3 Year
$500
3.35% ▲ 0.30% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.05%▲ 0.30% above avgNationally 2.81%
Details

Certificates renew automatically with a 7-day grace period; substantial penalty for early withdrawal of principal

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
36 Month Share Certificates
$0
3.35% ▲ 0.30% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 0.30% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Business Share Certificate - 36 months
$0
3.35% ▲ 0.30% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 0.30% above avgNationally 2.81%
Details

Early withdrawal: 545 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Share Certificates - Personal & Business - 36 months
$0
3.35% ▲ 0.30% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 0.30% above avgNationally 2.81%
Details

Early withdrawal subject to 545 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Certificate - 36 Months
$500
3.35% ▲ 0.30% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.05%▲ 0.30% above avgNationally 2.81%
Details

Rates are accurate as of 04/08/2026

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026

Lebanon 48 Month CD Rates

Maine 48 Month CD Average3.11% APYNational 2.80%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
4 Year Certificate
$500
4.50% ▲ 1.39% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 1.39% above avgNationally 2.80%
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 14, 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% ▲ 1.39% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 1.39% above avgNationally 2.80%
Details

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 14, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
4 Year Jumbo IRA Certificates
$0
4.35% ▲ 1.24% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 1.24% above avgNationally 2.80%
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 14, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.35%▲ from 3.90%
  • Sep 24, 20263.90%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo Share Certificates - 4 Year
$0
4.35% ▲ 1.24% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 1.24% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
48 Month Certificate
$1,000
4.25% ▲ 1.14% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 1.14% above avgNationally 2.80%
Details

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 14, 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
$0
4.25% ▲ 1.14% above Maine avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79%
3.29%4.02%4.75%Sep 24, 2026: 3.79% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.25%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 4 Years
$500
4.25% ▲ 1.14% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.25% ▲ 0.46 pts · high 4.25% / low 3.79%
3.29%4.02%4.75%Sep 24, 2026: 3.79% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.25%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Winthrop Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
Share and IRA Certificate - 48 Months
$500
4.24% ▲ 1.13% above Maine avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 1.13% above avgNationally 2.80%
Details

Share and IRA Certificates ($500 minimum); As of October 2, 2026

Rate History
No change since Oct 14, 2026 · 4.24% APY
3.74%4.24%4.74%Oct 14, 2026: 4.24% APYOct 14, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
48 Month IRA Share Certificate
$0
4.18% ▲ 1.07% above Maine avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 1.07% above avgNationally 2.80%
Details

Balance: $150,000.00 or more

Rate History
No change since Oct 12, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 12, 2026: 4.18% APYOct 12, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
48 Month IRA Share Certificate
$0
4.07% ▲ 0.96% above Maine avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.96% above avgNationally 2.80%
Details

Balance: $50,000.00 to $149,999.99

Rate History
No change since Oct 12, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 14, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
IRA Certificate - 48 Months
$500
4.07% ▲ 0.96% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.96% above avgNationally 2.80%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
48 Month Premium Certificate
$0
4.02% ▲ 0.91% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.91% above avgNationally 2.80%
Details

Balance: $100,000 - $100,000

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 14, 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%
48 Month Premium IRA Certificate
$0
4.02% ▲ 0.91% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.91% above avgNationally 2.80%
Details

Balance: $100,000 - $100,000

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 14, 2026
  • Oct 8, 20264.02%▲ from 3.97%
  • Oct 4, 20263.97%first recorded
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 48 Month Term
$0
3.98% ▲ 0.87% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.87% above avgNationally 2.80%
Details

Rates effective October 01, 2026; no rate premiums permitted

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 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 48 Month Term
$0
3.98% ▲ 0.87% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.87% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
48 Month IRA Share Certificate
$0
3.97% ▲ 0.86% above Maine avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.86% above avgNationally 2.80%
Details

Balance: $1,000.00 to $49,999.99

Rate History
No change since Oct 12, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 12, 2026: 3.97% APYOct 12, 2026Oct 14, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
Share & IRA Certificate - 4 year
$500
3.95% ▲ 0.84% above Maine avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.84% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
48 Month Business Certificate
$0
3.92% ▲ 0.81% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.81% above avgNationally 2.80%
Details

Balance: $500 - $500

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 14, 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%
48 Month Certificate
$0
3.92% ▲ 0.81% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.81% above avgNationally 2.80%
Details

Balance: $500 - $500

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 14, 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%
48 Month HSA Certificate
$0
3.92% ▲ 0.81% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.81% above avgNationally 2.80%
Details

Balance: $500 - $500

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 14, 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%
48 Month IRA Certificate
$0
3.92% ▲ 0.81% above Maine avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.81% above avgNationally 2.80%
Details

Balance: $500 - $500

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 14, 2026
  • Oct 8, 20263.92%▲ from 3.87%
  • Oct 4, 20263.87%first recorded
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% ▲ 0.76% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.76% above avgNationally 2.80%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 14, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
Share Certificate - 48 Months
$500
3.82% ▲ 0.71% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.71% above avgNationally 2.80%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4 Year Jumbo Certificates
$0
3.82% ▲ 0.71% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.71% above avgNationally 2.80%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Jumbo Certificates - 4 Years
$0
3.82% ▲ 0.71% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.71% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificate
$500
3.75% ▲ 0.64% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 0.64% above avgNationally 2.80%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4 Year IRA Certificate
$0
3.72% ▲ 0.61% above Maine avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.61% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Oct 9, 2026: 3.72% APYOct 9, 2026Oct 14, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
4 Year Share Certificate
$0
3.72% ▲ 0.61% above Maine avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.61% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Oct 9, 2026: 3.72% APYOct 9, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Certificates - 48 month
$500
3.66% ▲ 0.55% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.55% above avgNationally 2.80%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Share Certificates - 48 month
$500
3.66% ▲ 0.55% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.55% above avgNationally 2.80%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 14, 2026
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 Month Share & IRA Certificates
$2,000
3.61% ▲ 0.50% above Maine avg
View
▼
Rate3.55%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.50% above avgNationally 2.80%
Details

Penalty: 365 days

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 14, 2026
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Share, IRA & HSA Certificates of Deposit - 4 Year
$0
3.56% ▲ 0.45% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.45% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4 Year Share Certificate
$500
3.56% ▲ 0.45% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.45% above avgNationally 2.80%
Details

Fixed-rate share certificate; early withdrawal penalties may apply

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 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Certificates - 4 Years
$500
3.56% ▲ 0.45% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.45% above avgNationally 2.80%
Details

Minimum balance to open the account and earn the APY is $500; Early withdrawal penalties may apply

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 14, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 48 month
$0
3.56% ▲ 0.45% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 0.45% above avgNationally 2.80%
Details

Balance: $50,000.00+

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.56% ▲ 0.16 pts · high 3.56% / low 3.40%
2.90%3.48%4.06%Sep 14, 2026: 3.40% APYOct 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.56%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 48 month
$0
3.51% ▲ 0.40% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 0.40% above avgNationally 2.80%
Details

Balance: $500.00 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.51% ▲ 0.11 pts · high 3.51% / low 3.40%
2.90%3.46%4.01%Sep 14, 2026: 3.40% APYOct 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.51%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
48 Month CERTIFICATE OF DEPOSIT
$500
3.50% ▲ 0.39% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
4 Year IRA Certificate
$1,000
3.50% ▲ 0.39% above Maine avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.39% above avgNationally 2.80%
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 Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
4 Year Share Certificate Account
$1,000
3.50% ▲ 0.39% above Maine avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average3.11%▲ 0.39% above avgNationally 2.80%
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 Sep 25, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
48 Month Share Certificate & IRA Certificate
$0
3.50% ▲ 0.39% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 0.39% above avgNationally 2.80%
Details

Call to Open

Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
4 Year IRA Certificates
$0
3.45% ▲ 0.34% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.34% above avgNationally 2.80%
Details

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

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
4 Year Share Certificates
$0
3.45% ▲ 0.34% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.34% above avgNationally 2.80%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 5, 2026: 3.45% APYOct 5, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
48 Month Share Certificates
$0
3.40% ▲ 0.29% above Maine avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 0.29% above avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Business Share Certificate - 48 months
$0
3.40% ▲ 0.29% above Maine avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 0.29% above avgNationally 2.80%
Details

Early withdrawal: 545 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Share Certificates - Personal & Business - 48 months
$0
3.40% ▲ 0.29% above Maine avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 0.29% above avgNationally 2.80%
Details

Early withdrawal subject to 545 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Certificate - 48 Months
$500
3.40% ▲ 0.29% above Maine avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 0.29% above avgNationally 2.80%
Details

Rates are accurate as of 04/08/2026

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
IRA Certificate - 48 Months
$500
3.40% ▲ 0.29% above Maine avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average3.11%▲ 0.29% above avgNationally 2.80%
Details

Rates are accurate as of 04/08/2026.

Rate History
No change since Oct 10, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 10, 2026: 3.40% APYOct 10, 2026Oct 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
48 Month Share Certificates
$1,000
3.35% ▲ 0.24% above Maine avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.24% above avgNationally 2.80%
Details

Dividend Penalty: 720 days

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.75%
IRA Share Certificates - 48 months
$1,000
3.35% ▲ 0.24% above Maine avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average3.11%▲ 0.24% above avgNationally 2.80%
Details

Dividend Penalty: 720 days; Opened in person only

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
4 Year IRA Certificate
$0
3.35% ▲ 0.24% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Maine Average3.11%▲ 0.24% above avgNationally 2.80%
Details

Balance: $2,000 - 4 Years; Fixed

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026

Lebanon 60 Month CD Rates

Maine 60 Month CD Average2.97% APYNational 2.91%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
5 Year Certificate
$500
4.50% ▲ 1.53% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.53% above avgNationally 2.91%
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 14, 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% ▲ 1.53% above Maine avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.53% above avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 14, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
5 Year Jumbo IRA Certificates
$0
4.35% ▲ 1.38% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 1.38% above avgNationally 2.91%
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 14, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.35%▲ from 4.11%
  • Sep 24, 20264.11%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Jumbo Share Certificates - 5 Year
$0
4.35% ▲ 1.38% above Maine avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 1.38% above avgNationally 2.91%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
60 Month Certificate
$1,000
4.30% ▲ 1.33% above Maine avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.33% above avgNationally 2.91%
Details

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 14, 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%
Share and IRA Certificate - 60 Months
$500
4.29% ▲ 1.32% above Maine avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 1.32% above avgNationally 2.91%
Details

Share and IRA Certificates ($500 minimum); As of October 2, 2026

Rate History
No change since Oct 14, 2026 · 4.29% APY
3.79%4.29%4.79%Oct 14, 2026: 4.29% APYOct 14, 2026Oct 14, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
IRA 5 Year
$0
4.25% ▲ 1.28% above Maine avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 1.28% above avgNationally 2.91%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.54%
Share Certificates - 5 Years
$500
4.25% ▲ 1.28% above Maine avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 1.28% above avgNationally 2.91%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 6, 2026: 4.25% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
60 Month IRA Share Certificate
$0
4.23% ▲ 1.26% above Maine avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.26% above avgNationally 2.91%
Details

Balance: $150,000.00 or more

Rate History
No change since Oct 12, 2026 · 4.23% APY
3.73%4.23%4.73%Oct 12, 2026: 4.23% APYOct 12, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
60 Month Premium Certificate
$0
4.13% ▲ 1.16% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.16% above avgNationally 2.91%
Details

Balance: $100,000 - $100,000

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 14, 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%
60 Month Premium IRA Certificate
$0
4.13% ▲ 1.16% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.16% above avgNationally 2.91%
Details

Balance: $100,000 - $100,000

Rate History
No change since Oct 4, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 4, 2026: 4.13% APYOct 4, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
60 Month IRA Share Certificate
$0
4.13% ▲ 1.16% above Maine avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.16% above avgNationally 2.91%
Details

Balance: $50,000.00 to $149,999.99

Rate History
No change since Oct 12, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 12, 2026: 4.13% APYOct 12, 2026Oct 14, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
IRA Certificate - 60 Months
$500
4.07% ▲ 1.10% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 1.10% above avgNationally 2.91%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
Share Certificate - 60 Months
$500
4.07% ▲ 1.10% above Maine avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 1.10% above avgNationally 2.91%
Details

Early withdrawal penalty may be imposed

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Fixed-Rate IRA Share Certificates - 60 Month Term
$0
4.03% ▲ 1.06% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.06% above avgNationally 2.91%
Details

Rates effective October 01, 2026; no rate premiums permitted

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 14, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Share Certificates - 60 Month Term
$0
4.03% ▲ 1.06% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.06% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 4.03% APY
3.53%4.03%4.53%Oct 12, 2026: 4.03% APYOct 12, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
60 Month Business Certificate
$0
4.02% ▲ 1.05% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.05% above avgNationally 2.91%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Oct 4, 2026: 4.02% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
60 Month Certificate
$0
4.02% ▲ 1.05% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.05% above avgNationally 2.91%
Details

Balance: $500 - $500

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 14, 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%
60 Month HSA Certificate
$0
4.02% ▲ 1.05% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.05% above avgNationally 2.91%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Oct 4, 2026: 4.02% APYOct 4, 2026Oct 14, 2026
Seaboard Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
60 Month IRA Certificate
$0
4.02% ▲ 1.05% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.05% above avgNationally 2.91%
Details

Balance: $500 - $500

Rate History
No change since Oct 4, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Oct 4, 2026: 4.02% APYOct 4, 2026Oct 14, 2026
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
60 Month IRA Share Certificate
$0
4.02% ▲ 1.05% above Maine avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 1.05% above avgNationally 2.91%
Details

Balance: $1,000.00 to $49,999.99

Rate History
No change since Oct 12, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 12, 2026: 4.02% APYOct 12, 2026Oct 14, 2026
Maine Savings Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.25%
Share & IRA Certificate - 5 year
$500
4.00% ▲ 1.03% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 1.03% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 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% ▲ 0.90% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 0.90% above avgNationally 2.91%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5 Year Jumbo Certificates
$0
3.82% ▲ 0.85% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.85% above avgNationally 2.91%
Details

Jumbo Certificates have a minimum balance of $100,000; Membership eligibility required; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Jumbo Certificates - 5 Years
$0
3.82% ▲ 0.85% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.85% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5 Year IRA Certificate
$0
3.76% ▲ 0.79% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.79% above avgNationally 2.91%
Details

Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 14, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
5 Year Share Certificate
$0
3.76% ▲ 0.79% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.79% above avgNationally 2.91%
Details

Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 14, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 60 month
$0
3.76% ▲ 0.79% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 0.79% above avgNationally 2.91%
Details

Balance: $50,000.00+

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.76% ▲ 0.15 pts · high 3.76% / low 3.61%
3.11%3.68%4.26%Sep 14, 2026: 3.61% APYOct 14, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.76%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
60 Month CD
$0
3.75% ▲ 0.78% above Maine avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Maine Average2.97%▲ 0.78% above avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
Saco Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
IRA and Share Certificate - 60 month
$0
3.71% ▲ 0.74% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 0.74% above avgNationally 2.91%
Details

Balance: $500.00 - $49,999.99

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
3.11%3.66%4.21%Sep 14, 2026: 3.61% APYOct 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.71%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
60 Month Share & IRA Certificates
$2,000
3.61% ▲ 0.64% above Maine avg
View
▼
Rate3.55%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.64% above avgNationally 2.91%
Details

Penalty: 365 days

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 14, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Share Certificate
$0
3.61% ▲ 0.64% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 0.64% above avgNationally 2.91%
Details

Effective 9/1/26; Fees could reduce APY earnings on an account

Rate History
No change since Sep 18, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 18, 2026: 3.61% APYSep 18, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
IRA Certificates - 60 month
$500
3.56% ▲ 0.59% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 0.59% above avgNationally 2.91%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 14, 2026
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
Share Certificates - 60 month
$500
3.56% ▲ 0.59% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 0.59% above avgNationally 2.91%
Details

Dividends compounded monthly, credited monthly; Additional deposits not allowed; Dividend withdrawal allowed; Renewable automatic

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 14, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
Certificates - 60 Months
$0
3.56% ▲ 0.59% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.59% above avgNationally 2.91%
Details

$1,000 minimum balance required to earn the APY; Penalty for early withdrawals

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.56% ▲ 0.31 pts · high 3.56% / low 3.25%
2.75%3.41%4.06%Sep 14, 2026: 3.25% APYSep 25, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
  • Sep 25, 20263.56%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
Share, IRA & HSA Certificates of Deposit - 5 Year
$0
3.56% ▲ 0.59% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.59% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5 Year Share Certificate
$500
3.56% ▲ 0.59% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.59% above avgNationally 2.91%
Details

Fixed-rate share certificate; early withdrawal penalties may apply

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 14, 2026
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
Certificates - 5 Years
$500
3.56% ▲ 0.59% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.59% above avgNationally 2.91%
Details

Minimum balance to open the account and earn the APY is $500; Early withdrawal penalties may apply

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 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
Certificate - 60 Months
$500
3.51% ▲ 0.54% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 0.54% above avgNationally 2.91%
Details

Rates are accurate as of 04/08/2026

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
IRA Certificate - 60 Months
$500
3.51% ▲ 0.54% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 0.54% above avgNationally 2.91%
Details

Rates are accurate as of 04/08/2026.

Rate History
No change since Oct 10, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 10, 2026: 3.51% APYOct 10, 2026Oct 14, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
60 Month CERTIFICATE OF DEPOSIT
$500
3.50% ▲ 0.53% above Maine avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 0.53% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
5 Year IRA Certificate
$1,000
3.50% ▲ 0.53% above Maine avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 0.53% above avgNationally 2.91%
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 Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
5 Year Share Certificate Account
$1,000
3.50% ▲ 0.53% above Maine avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Maine Average2.97%▲ 0.53% above avgNationally 2.91%
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 Sep 25, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
60 Month Share Certificates
$0
3.50% ▲ 0.53% above Maine avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 0.53% above avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Business Share Certificate - 60 months
$0
3.50% ▲ 0.53% above Maine avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 0.53% above avgNationally 2.91%
Details

Early withdrawal: 545 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 14, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
Share Certificates - Personal & Business - 60 months
$0
3.50% ▲ 0.53% above Maine avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 0.53% above avgNationally 2.91%
Details

Early withdrawal subject to 545 day dividend penalty, whether earned or not

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 14, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
60 Month Share Certificate & IRA Certificate
$0
3.50% ▲ 0.53% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 0.53% above avgNationally 2.91%
Details

Call to Open

Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
60 Month Certificate
$500
3.50% ▲ 0.53% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Maine Average2.97%▲ 0.53% above avgNationally 2.91%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; Rate = dividend rate

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 1, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
5 Year IRA Certificates
$0
3.45% ▲ 0.48% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.48% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 8 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
5 Year Share Certificates
$0
3.45% ▲ 0.48% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Maine Average2.97%▲ 0.48% above avgNationally 2.91%
Details

Dividends are compounded daily and paid monthly

Rate History
No change since Oct 5, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 5, 2026: 3.45% APYOct 5, 2026Oct 14, 2026
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 Lebanon, Maine Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Androscoggin Savings Bank
18 Month Variable Rate IRA CD
A+ 5.0 ★ TX: 3.70%
Min: $500
4.64%
Aroostook County FS&L Assoc.
12 Month CERTIFICATE OF DEPOSIT
A+ 5.0 ★ TX: 5.38%
Min: $500
4.00%
Maine Community Bank
Certificates of Deposit (CDs) - Special Offerings 12 Month Special
A+ 5.0 ★ TX: 4.93%
Min: $500
3.95%
Saco & Biddeford Savings
18 Month CD
A+ 5.0 ★ TX: 1.18%
Min: $0
3.75%
Kennebunk Savings Bank
3 Month Certificate
A+ 5.0 ★ TX: 0.98%
Min: $0
3.56%
CU Top 5 Credit Union Rates
Dirigo Federal Credit Union
3 Year Jumbo IRA 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%
Empeople Credit Union
18 Month Certificate
A+ 5.0 ★ TX: 5.75%
Min: $500
4.40%
Oxford Federal Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 1.73%
Min: $1,000
4.30%
Winthrop Area Federal Credit Union
Share and IRA Certificate - 60 Months
A+ 5.0 ★ TX: 0.47%
Min: $500
4.29%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Lebanon, ME CD Rate Trends

Compare local Lebanon, 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
3.368%
▲ 0.006 vs 7 days ago

Maine 12-month CD rates rose 0.006 points over the past 7 days to 3.368% APY.

6-Month CD ME Avg
3.248%
▼ 0.004 vs 7 days ago

Maine 6-month CD rates fell 0.004 points over the past 7 days to 3.248% APY.

As of Oct 14, 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
3.368%
6-Month Forecast
3.368%
Range: 3.17%, 3.52%
12-Month Forecast
3.618%
Range: 3.42%, 3.77%

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 1.01% 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 1.982% $99.09 $198.17 $495.43 $990.85
6-Month CD 3.248% $162.41 $324.82 $812.05 $1,624.10
12-Month CD 3.368% $168.38 $336.75 $841.88 $1,683.75
18-Month CD 3.297% $164.87 $329.73 $824.33 $1,648.65
24-Month CD 3.152% $157.61 $315.21 $788.03 $1,576.05
36-Month CD 3.051% $152.54 $305.08 $762.70 $1,525.40
48-Month CD 3.109% $155.42 $310.85 $777.13 $1,554.25
60-Month CD 2.973% $148.65 $297.30 $743.25 $1,486.50
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
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Sample CD Ladder for Lebanon, 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 1.982% $99.09
2 6-Month CD $5,000 3.248% $162.41
3 12-Month CD $5,000 3.368% $168.38
4 24-Month CD $5,000 3.152% $157.61
5 36-Month CD $5,000 3.051% $152.54
Total ($25,000 invested) $25,000 2.960% blended $740.03/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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659
CD Rates
Tracked in Lebanon, Maine
12 Banks 43 Credit Unions

About Our Lebanon, Maine CD Rate Database

MonitorBankRates tracks 659 CD rates from 12 banks and 43 credit unions with locations in Lebanon, 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: Androscoggin Savings Bank offers a CD at 4.64% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Lebanon, Maine.

How to Find the Best CD Rates in Lebanon, Maine

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

To find the best APYs in Lebanon, Maine, start with credit unions and online-only banks: Lebanon, Maine has 43 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 Lebanon, 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 Lebanon, Maine: 55 institutions here report CD rates

Consider an Alternative If…

Maine Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
22.4%
National avg: 17.3%
Median Individual Earnings
$44,488
National avg: $47,340
Poverty Rate
10.7%
National avg: 11.1%
Unemployment Rate
3.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$150/yr
At ME 12-mo avg 3.368% APY

22.4% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s ME 12-month CD average of 3.368%, saving 10% of the local median salary ($4,448/year) and putting it in a CD would earn an additional $150 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 Lebanon, 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 Lebanon, 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 Lebanon, 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 Lebanon, Maine as everywhere in the U.S.

Choosing a CD Term in Lebanon, 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 Lebanon, Maine savers easier access to their funds. For example, Maine Family Federal Credit Union is offering its 6 Month Certificate at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Maine Family Federal Credit Union is offering its 5 Year Certificate at 4.50% 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 Lebanon, 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 Lebanon, 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 Lebanon, 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 Lebanon, 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 Lebanon, Maine

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

Are CD rates in Lebanon, Maine FDIC insured?

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

Here are recent top rates found for this area:
  • Androscoggin Savings Bank: 4.64% APY (18 Month Variable Rate IRA CD)
  • Dirigo Federal Credit Union: 4.60% APY (3 Year Jumbo IRA Certificates)
  • Maine Family Federal Credit Union: 4.50% APY (3 Year Certificate)
  • Empeople Credit Union: 4.40% APY (18 Month Certificate)
  • Oxford Federal Credit Union: 4.30% APY (60 Month Certificate)
  • Winthrop Area Federal Credit Union: 4.29% APY (Share and IRA Certificate - 60 Months)
  • Trademark Federal Credit Union: 4.25% APY (2-Year Share Certificate)
  • Cumberland County Federal Credit Union: 4.23% APY (60 Month IRA Share Certificate)
  • Seaboard Federal Credit Union: 4.13% APY (60 Month Premium Certificate)
  • Central Maine Federal Credit Union: 4.13% APY (Fixed-Rate IRA Share Certificates - 18 Month Term)
Rates reflect recent verified offers available in Lebanon, Maine. Last Updated: October 14, 2026

Lebanon, 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 Lebanon, 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
$0
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 Lebanon, Maine CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Lebanon, Maine. Averages shown use the Maine state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Lebanon, Maine

Lebanon, Maine CD Calculator

At today’s ME top rate of 4.64% APY, a $10,000 deposit earns $464 in the first year. Enter your amount to see your exact return.

Lebanon, Maine CD Ladder

ME CD rates currently range from 1.982% (3-month) to 3.051% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Lebanon, Maine CD at 4.64% 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 3.368% 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 Lebanon, 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 Lebanon, 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 Lebanon, 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 14, 2026

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