Current Lubec, Maine CD rates include Bar Harbor Bank & TrustBar Harbor Bank & Trust68 Washington St, Lubec, ME 04652A+5.0 ★Texas Ratio: 1.69% offering 6-month CD at 3.50% APY, Downeast Credit UnionDowneast Credit UnionA+5.0 ★Texas Ratio: 4.39% offering 6-Month CD at 4.00% APY, Katahdin Federal Credit UnionKatahdin Federal Credit UnionA+5.0 ★Texas Ratio: 4.12% offering IRA Certificates 12 month at 3.97% APY, Northeast Bank Portland, MENortheast Bank Portland, MEA+5.0 ★Texas Ratio: 5.60% offering 6-Month CD at 3.95% APY, and Gardiner Federal Credit UnionGardiner Federal Credit UnionA+5.0 ★Texas Ratio: 0.44% offering Individual Retirement Account (IRA) Certificates & Share Certificates 36 Month at 3.87% APY. CD rates as of April 11, 2026 according to verified data from MonitorBankRates.
Lubec has 1 local institution in our database, with CD rates as high as 3.50% APY from Bar Harbor Bank & Trust at 68 Washington St, Lubec, ME 04652. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Maine area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 11, 2026
not available for IRAs
Relationship APY
This CD special is available to customers with a Relationship Rewards Checking account with Bar Harbor Bank & Trust.
$150,000.00 or more
not available for IRA
CD Only
$1000 minimum, penalty for early withdrawal
$150,000.00 or more
Relationship APY
Benefit Plus? Customers
allows add'l ($500 minimum) deposits
Relationship APY
$150,000.00 or more
Relationship APY
$150,000.00 or more
Relationship APY
$150,000.00 or more
$50,000.00 to $149,999.99 APY*
Relationship APY
Compare local Lubec, ME CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Maine 12-month CD rates rose 0.033 points over the past 7 days to 3.052% APY.
Maine 6-month CD rates rose 0.360 points over the past 7 days to 3.298% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Lubec, Maine directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Lubec, 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.