MonitorBankRates
☰
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Phillips, Maine Best CD Rates August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
Read Full Bio
| iEditorial Disclosure
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: August 28, 2026

Current Phillips, Maine CD rates include Androscoggin Savings BankAndroscoggin Savings BankA+5.0 ★Texas Ratio: 2.03%Real return: +1.32%APY minus CPI (February 2026) offering 18 Month Variable Rate IRA CD at 4.12% APY, Northeast Bank Portland, MENortheast Bank Portland, MEA+5.0 ★Texas Ratio: 5.60%Real return: +1.30%APY minus CPI (February 2026) offering 1 Year CD at 4.10% APY, Empeople Credit UnionEmpeople Credit UnionA5.0 ★Texas Ratio: 6.85%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month Certificate at 4.10% APY, Evergreen Credit Union Portland, MEEvergreen Credit Union Portland, MEA5.0 ★Texas Ratio: 7.69%Real return: +1.25%APY minus CPI (February 2026) offering Business 6 months at 4.05% APY, and Trademark Federal Credit UnionTrademark Federal Credit UnionA5.0 ★Texas Ratio: 12.12%Real return: +1.20%APY minus CPI (February 2026) offering 2-Year Share Certificate at 4.00% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.

Phillips is a smaller community with no bank or credit union branches currently in our database. 400 institutions serving the Maine area are available to Phillips residents, with CD rates as high as 4.12% APY from Androscoggin Savings Bank. 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: August 28, 2026

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

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

Phillips 3 Month CD Rates

Maine 3 Month CD Average1.32% APYNational 1.96%▼ 0.49% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
3 Month Special
$0
3.76% ▲ 2.44% above Maine avg
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 2.44% above avgNationally 1.96%
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3 Month Certificate
$5,000
3.75% ▲ 2.43% above Maine avg
View
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 2.43% above avgNationally 1.96%
Details

For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. **3 Month Certificate requires a minimum deposit of $5,000.

Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3 Months
$0
3.56% ▲ 2.24% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 2.24% above avgNationally 1.96%
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Certificates 3 Month
$0
3.56% ▲ 2.24% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 2.24% above avgNationally 1.96%
Details

Maine Solutions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
3 Month Cert.
$500
3.55% ▲ 2.23% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 2.23% above avgNationally 1.96%
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
3-Month
$500
3.50% ▲ 2.18% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 2.18% above avgNationally 1.96%
Details

PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
3 Months (No Early Withdrawal Penalty) Certificate
$0
3.04% ▲ 1.72% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 1.72% above avgNationally 1.96%
Details

No Early Withdrawal Penalty

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 3 Months
$0
2.78% ▲ 1.46% above Maine avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 1.46% above avgNationally 1.96%
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month CD
$500
2.25% ▲ 0.93% above Maine avg
View
▼
Rate2.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 0.93% above avgNationally 1.96%
Details

Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3 Month Certificate
$500
2.25% ▲ 0.93% above Maine avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 0.93% above avgNationally 1.96%
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
90 Day Certificate of Deposit
$1,000
2.02% ▲ 0.70% above Maine avg
View
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 0.70% above avgNationally 1.96%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
3 month Share Certificate
$500
2.02% ▲ 0.70% above Maine avg
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▲ 0.70% above avgNationally 1.96%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month
$0
1.00% ▼ 0.32% below Maine avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▼ 0.32% below avgNationally 1.96%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month TD Choice CD
$250
1.00% ▼ 0.32% below Maine avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▼ 0.32% below avgNationally 1.96%
Details

Relationship APY

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month
$500
1.00% ▼ 0.32% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▼ 0.32% below avgNationally 1.96%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate 3 Month
$500
1.00% ▼ 0.32% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▼ 0.32% below avgNationally 1.96%
Details

Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
RSB 3-Month Certificate
$500
0.25% ▼ 1.07% below Maine avg
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▼ 1.07% below avgNationally 1.96%
Details

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3 month CD/IRA
$500
0.20% ▼ 1.12% below Maine avg
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▼ 1.12% below avgNationally 1.96%
Details

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3-month CD/IRA
$500
0.20% ▼ 1.12% below Maine avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▼ 1.12% below avgNationally 1.96%
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
90-Day CD
$500
0.05% ▼ 1.27% below Maine avg
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.32%▼ 1.27% below avgNationally 1.96%
Details

Phillips 6 Month CD Rates

Maine 6 Month CD Average2.85% APYNational 2.67%▲ 0.34% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Business 6 months
$0
4.05% ▲ 1.20% above Maine avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 1.20% above avgNationally 2.67%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
IRA Certificate 6 months
$0
4.05% ▲ 1.20% above Maine avg
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 1.20% above avgNationally 2.67%
Details

Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
6-Month CD
$0
4.00% ▲ 1.15% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 1.15% above avgNationally 2.67%
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
6 Month Certificate
$500
4.00% ▲ 1.15% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 1.15% above avgNationally 2.67%
Details

For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Certificates 6 Month
$0
3.82% ▲ 0.97% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.97% above avgNationally 2.67%
Details

Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
6 Month Certificate
$1,000
3.80% ▲ 0.95% above Maine avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.95% above avgNationally 2.67%
Details

Maine Solutions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
6 Month Cert.
$500
3.76% ▲ 0.91% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.91% above avgNationally 2.67%
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
6 Month Certificate
$500
3.75% ▲ 0.90% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.90% above avgNationally 2.67%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
Jumbo Certificates 6 Months
$0
3.71% ▲ 0.86% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.86% above avgNationally 2.67%
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
6 Months
$0
3.71% ▲ 0.86% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.86% above avgNationally 2.67%
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
6 Months
$500
3.71% ▲ 0.86% above Maine avg
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.86% above avgNationally 2.67%
Details

NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
6 Mos Share Certificate
$1,000
3.70% ▲ 0.86% above Maine avg
View
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.86% above avgNationally 2.67%
Details

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

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
6 Months
$0
3.66% ▲ 0.82% above Maine avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.82% above avgNationally 2.67%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 month CD
$0
3.56% ▲ 0.71% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.71% above avgNationally 2.67%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Term
$0
3.56% ▲ 0.71% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.71% above avgNationally 2.67%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
6 month Share Certificate
$500
3.56% ▲ 0.71% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.71% above avgNationally 2.67%
Details

New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.69%
IRA Share Certificates 6 months
$1,000
3.56% ▲ 0.71% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.71% above avgNationally 2.67%
Details

Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6 Months
$0
3.56% ▲ 0.71% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.71% above avgNationally 2.67%
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Month
$0
3.56% ▲ 0.71% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.71% above avgNationally 2.67%
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 Month CD
$500
3.51% ▲ 0.66% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.66% above avgNationally 2.67%
Details

Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
6 Month Special
$500
3.50% ▲ 0.65% above Maine avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.65% above avgNationally 2.67%
Details

Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
6 Month
$0
3.50% ▲ 0.65% above Maine avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.65% above avgNationally 2.67%
Details

PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
6 Months Certificate
$0
3.49% ▲ 0.65% above Maine avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.65% above avgNationally 2.67%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
6 Months
$0
3.45% ▲ 0.61% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.61% above avgNationally 2.67%
Details

Franklin SB Farmington, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
6-Month Certificate of Deposit
$500
3.40% ▲ 0.55% above Maine avg
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.55% above avgNationally 2.67%
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
6 MONTH CD
$500
3.40% ▲ 0.55% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.55% above avgNationally 2.67%
Details

MyCom Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
6 Months
$0
3.39% ▲ 0.54% above Maine avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.54% above avgNationally 2.67%
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6-Month CD
$1,000
3.35% ▲ 0.50% above Maine avg
View
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.50% above avgNationally 2.67%
Details

1

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
6 Month CD
$0
3.35% ▲ 0.50% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.50% above avgNationally 2.67%
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6-Month
$500
3.35% ▲ 0.50% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.50% above avgNationally 2.67%
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Share Certificates 6 months
$0
3.31% ▲ 0.46% above Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.46% above avgNationally 2.67%
Details

Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
6 Months
$0
3.30% ▲ 0.45% above Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.45% above avgNationally 2.67%
Details

Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 mo.
$500
3.30% ▲ 0.45% above Maine avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.45% above avgNationally 2.67%
Details

TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.72%
Save Up Share Certificate - 6 Months
$100
3.25% ▲ 0.40% above Maine avg
View
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.40% above avgNationally 2.67%
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
6 month
$500
3.25% ▲ 0.40% above Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.40% above avgNationally 2.67%
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month Compounded Certificate of Deposit
$10,000
3.05% ▲ 0.20% above Maine avg
View
▼
Rate3.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.20% above avgNationally 2.67%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month
$500
3.04% ▲ 0.19% above Maine avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.19% above avgNationally 2.67%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate 6 Month
$500
3.04% ▲ 0.19% above Maine avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.19% above avgNationally 2.67%
Details

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
6 Month CD
$500
3.00% ▲ 0.15% above Maine avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.15% above avgNationally 2.67%
Details

***

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates - 6 Months
$0
3.00% ▲ 0.15% above Maine avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.15% above avgNationally 2.67%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Share Certificates - 6 Months
$0
3.00% ▲ 0.15% above Maine avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▲ 0.15% above avgNationally 2.67%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 6 Months
$0
2.83% ▼ 0.02% below Maine avg
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▼ 0.02% below avgNationally 2.67%
Details

Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
6 Month
$500
2.25% ▼ 0.60% below Maine avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▼ 0.60% below avgNationally 2.67%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
6 Month TD Choice CD
$250
1.00% ▼ 1.85% below Maine avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▼ 1.85% below avgNationally 2.67%
Details

Relationship APY

Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
RSB 6-Month Certificate
$500
0.50% ▼ 2.35% below Maine avg
View
▼
Rate0.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▼ 2.35% below avgNationally 2.67%
Details

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6 month CD/IRA
$500
0.25% ▼ 2.60% below Maine avg
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▼ 2.60% below avgNationally 2.67%
Details

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6-Month CD
$500
0.20% ▼ 2.65% below Maine avg
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▼ 2.65% below avgNationally 2.67%
Details

Relationship Rates

Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
6 Month CD
$1,500
0.15% ▼ 2.70% below Maine avg
View
▼
Rate0.15%
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▼ 2.70% below avgNationally 2.67%
Details

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6-Month CD
$500
0.10% ▼ 2.75% below Maine avg
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▼ 2.75% below avgNationally 2.67%
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month Simple Certificate of Deposit
$1,000
0.10% ▼ 2.75% below Maine avg
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.85%▼ 2.75% below avgNationally 2.67%
Details

Phillips 12 Month CD Rates

Maine 12 Month CD Average2.25% APYNational 2.83%▼ 0.17% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1 Year CD
$0
4.10% ▲ 1.85% above Maine avg
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.85% above avgNationally 2.83%
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
12 Month Certificate
$500
4.10% ▲ 1.85% above Maine avg
View
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.85% above avgNationally 2.83%
Details

For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Business 12 months
$0
4.00% ▲ 1.75% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.75% above avgNationally 2.83%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
IRA Certificate 12 months
$0
4.00% ▲ 1.75% above Maine avg
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.75% above avgNationally 2.83%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
12 month IRA Certificate
$500
3.97% ▲ 1.72% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.72% above avgNationally 2.83%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
12 month Share Certificate
$500
3.97% ▲ 1.72% above Maine avg
View
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.72% above avgNationally 2.83%
Details

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6-12 month CD/IRA Special
$10,000
3.85% ▲ 1.60% above Maine avg
View
▼
Rate3.78%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.60% above avgNationally 2.83%
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1 Year Certificate
$500
3.85% ▲ 1.60% above Maine avg
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.60% above avgNationally 2.83%
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
IRA 1 Year Certificate
$500
3.85% ▲ 1.60% above Maine avg
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.60% above avgNationally 2.83%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Term
$0
3.82% ▲ 1.57% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.57% above avgNationally 2.83%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Wealth Builder IRA Share Certificates
$0
3.82% ▲ 1.57% above Maine avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.57% above avgNationally 2.83%
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Certificates 12 Month
$0
3.82% ▲ 1.57% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.57% above avgNationally 2.83%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month
$500
3.82% ▲ 1.57% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.57% above avgNationally 2.83%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate 12 Month
$500
3.82% ▲ 1.57% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.57% above avgNationally 2.83%
Details

Special

New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.69%
IRA Share Certificates 12 months
$1,000
3.82% ▲ 1.57% above Maine avg
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.57% above avgNationally 2.83%
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12 Month
$0
3.82% ▲ 1.57% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.57% above avgNationally 2.83%
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
12 Months
$500
3.82% ▲ 1.57% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.57% above avgNationally 2.83%
Details

Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
12 Month Certificate
$1,000
3.80% ▲ 1.55% above Maine avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.55% above avgNationally 2.83%
Details

Maine Solutions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
12 Month Cert.
$500
3.76% ▲ 1.51% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.51% above avgNationally 2.83%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Fixed Rate Share Certificates
$0
3.75% ▲ 1.50% above Maine avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.50% above avgNationally 2.83%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Term
$0
3.75% ▲ 1.50% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.50% above avgNationally 2.83%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Fixed Rate IRA Share Certificates
$0
3.72% ▲ 1.47% above Maine avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.47% above avgNationally 2.83%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Term
$0
3.72% ▲ 1.47% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.47% above avgNationally 2.83%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
Jumbo Certificates 12 Months
$0
3.71% ▲ 1.46% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.46% above avgNationally 2.83%
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1 year
$0
3.66% ▲ 1.41% above Maine avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.41% above avgNationally 2.83%
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Business 1 year
$500
3.66% ▲ 1.41% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.41% above avgNationally 2.83%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Ultimate Insured Share Certificate - 12 Mo. (Currently Closed to New Shares)
$250,000
3.60% ▲ 1.35% above Maine avg
View
▼
Rate3.54%
Min Deposit$250,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.35% above avgNationally 2.83%
Details

Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Months
$0
3.56% ▲ 1.31% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.31% above avgNationally 2.83%
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Share Certificates 12 months
$0
3.56% ▲ 1.31% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.31% above avgNationally 2.83%
Details

TruChoice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.72%
Save Up Share Certificate - 12 Months
$100
3.50% ▲ 1.25% above Maine avg
View
▼
Rate3.44%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.25% above avgNationally 2.83%
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
1-Year
$500
3.50% ▲ 1.25% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.25% above avgNationally 2.83%
Details

Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
1 Year
$0
3.50% ▲ 1.25% above Maine avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.25% above avgNationally 2.83%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
12 Months
$0
3.45% ▲ 1.20% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.20% above avgNationally 2.83%
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
12 MONTH CD
$500
3.40% ▲ 1.15% above Maine avg
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.15% above avgNationally 2.83%
Details

Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 mo.
$1,000
3.40% ▲ 1.15% above Maine avg
View
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.15% above avgNationally 2.83%
Details

MyCom Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
12 Months
$0
3.39% ▲ 1.14% above Maine avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.14% above avgNationally 2.83%
Details

Franklin SB Farmington, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1-Year Certificate of Deposit
$500
3.35% ▲ 1.10% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.10% above avgNationally 2.83%
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
1 year
$500
3.35% ▲ 1.10% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.10% above avgNationally 2.83%
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1 Year CD
$500
3.25% ▲ 1.00% above Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.00% above avgNationally 2.83%
Details

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6 to 12-month CD/IRA Special
$500
3.25% ▲ 1.00% above Maine avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.00% above avgNationally 2.83%
Details

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6-12 month CD/IRA Special
$10,000
3.25% ▲ 1.00% above Maine avg
View
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.00% above avgNationally 2.83%
Details

The 6-12 Month CD Special accounts are available during a special promotion period only. A penalty will be imposed for withdrawals before maturity. Rates may vary and are subject to change without notice. CDs will automatically renew at a 12-month term at the regular 12-month CD rate being offered by the Bank at the time of renewal. Other terms and rates available. All rates are set by Management of the Bank based on current money market conditions. Rates are subject to change without prior notice.

Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
12 Month Special
$500
3.25% ▲ 1.00% above Maine avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 1.00% above avgNationally 2.83%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates - 1 Year
$0
3.12% ▲ 0.87% above Maine avg
View
▼
Rate3.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 0.87% above avgNationally 2.83%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Share Certificates - 1 Year
$0
3.12% ▲ 0.87% above Maine avg
View
▼
Rate3.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 0.87% above avgNationally 2.83%
Details

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
1 Year
$500
3.05% ▲ 0.80% above Maine avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 0.80% above avgNationally 2.83%
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1 Year Certificate of Deposit
$1,000
3.05% ▲ 0.80% above Maine avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 0.80% above avgNationally 2.83%
Details

Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
12 Months
$0
3.04% ▲ 0.79% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 0.79% above avgNationally 2.83%
Details

PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
12 Months Certificate
$0
3.04% ▲ 0.79% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 0.79% above avgNationally 2.83%
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
12-Month CD
$1,000
3.00% ▲ 0.75% above Maine avg
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 0.75% above avgNationally 2.83%
Details

2

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
12 Month CD
$0
3.00% ▲ 0.75% above Maine avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.25%▲ 0.75% above avgNationally 2.83%
Details

Phillips 18 Month CD Rates

Maine 18 Month CD Average2.18% APYNational 2.67%▲ 0.28% 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: 2.03%
18 Month Variable Rate IRA CD
$500
4.12% ▲ 1.94% above Maine avg
View
▼
Rate4.04%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.94% above avgNationally 2.67%
Details

Variable Rate

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
18 Month Certificate
$500
4.05% ▲ 1.87% above Maine avg
View
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.87% above avgNationally 2.67%
Details

For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
18 Mos Share Certificate
$1,000
4.00% ▲ 1.82% above Maine avg
View
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.82% above avgNationally 2.67%
Details

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

M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
18-Month M&T Select CD
$0
3.85% ▲ 1.67% above Maine avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.67% above avgNationally 2.67%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
18 Month
$500
3.82% ▲ 1.64% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.64% above avgNationally 2.67%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate 18 Month
$500
3.82% ▲ 1.64% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.64% above avgNationally 2.67%
Details

Special

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18 Month
$0
3.82% ▲ 1.64% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.64% above avgNationally 2.67%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
18 month IRA Certificate
$500
3.76% ▲ 1.58% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.58% above avgNationally 2.67%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
18 month Share Certificate
$500
3.76% ▲ 1.58% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.58% above avgNationally 2.67%
Details

Maine Solutions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
18 Month Cert.
$500
3.76% ▲ 1.58% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.58% above avgNationally 2.67%
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
18 Month CD
$0
3.75% ▲ 1.57% above Maine avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.57% above avgNationally 2.67%
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
18 month
$500
3.75% ▲ 1.57% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.57% above avgNationally 2.67%
Details

New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.69%
IRA Share Certificates 18 months
$1,000
3.71% ▲ 1.53% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.53% above avgNationally 2.67%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Term
$0
3.67% ▲ 1.49% above Maine avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.49% above avgNationally 2.67%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Term
$0
3.56% ▲ 1.38% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.38% above avgNationally 2.67%
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
18 Months
$500
3.51% ▲ 1.33% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.33% above avgNationally 2.67%
Details

Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
RSB 18-Month Certificate
$500
3.50% ▲ 1.32% above Maine avg
View
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.32% above avgNationally 2.67%
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
18-Month
$500
3.50% ▲ 1.32% above Maine avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.32% above avgNationally 2.67%
Details

Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 mo.
$1,000
3.45% ▲ 1.27% above Maine avg
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.27% above avgNationally 2.67%
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Share Certificates 18 months
$0
3.30% ▲ 1.12% above Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.12% above avgNationally 2.67%
Details

MyCom Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
18 Months
$0
3.29% ▲ 1.11% above Maine avg
View
▼
Rate3.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.11% above avgNationally 2.67%
Details

Franklin SB Farmington, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18-Month Certificate of Deposit
$500
3.25% ▲ 1.07% above Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.07% above avgNationally 2.67%
Details

Franklin SB Farmington, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18-Month Variable IRA Certificate of Deposit
$100
3.25% ▲ 1.07% above Maine avg
View
▼
Rate3.20%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.07% above avgNationally 2.67%
Details

Variable IRA

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
18 Month
$500
3.25% ▲ 1.07% above Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.07% above avgNationally 2.67%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates - 18 Months
$0
3.20% ▲ 1.02% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.02% above avgNationally 2.67%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Share Certificates - 18 Months
$0
3.20% ▲ 1.02% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.02% above avgNationally 2.67%
Details

Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Months
$0
3.19% ▲ 1.01% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 1.01% above avgNationally 2.67%
Details

PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
18 Months Certificate
$0
3.04% ▲ 0.86% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 0.86% above avgNationally 2.67%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 18 Months
$0
2.99% ▲ 0.81% above Maine avg
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 0.81% above avgNationally 2.67%
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
18 MONTH CD
$500
2.78% ▲ 0.60% above Maine avg
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▲ 0.60% above avgNationally 2.67%
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 Month CD
$500
2.00% ▼ 0.18% below Maine avg
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▼ 0.18% below avgNationally 2.67%
Details

Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
18 Month
$500
2.00% ▼ 0.18% below Maine avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▼ 0.18% below avgNationally 2.67%
Details

Katahdin Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 month variable rate IRA/SEP
$0
1.60% ▼ 0.58% below Maine avg
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▼ 0.58% below avgNationally 2.67%
Details

Variable Rate

Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 mo. Youth
$100
1.01% ▼ 1.17% below Maine avg
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▼ 1.17% below avgNationally 2.67%
Details

Age: 0-17

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month
$0
1.00% ▼ 1.18% below Maine avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▼ 1.18% below avgNationally 2.67%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month TD Choice CD
$250
1.00% ▼ 1.18% below Maine avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▼ 1.18% below avgNationally 2.67%
Details

Relationship APY

Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
18 Months
$0
1.00% ▼ 1.18% below Maine avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▼ 1.18% below avgNationally 2.67%
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
18-Month CD/IRA
$500
0.20% ▼ 1.98% below Maine avg
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.18%▼ 1.98% below avgNationally 2.67%
Details

Phillips 24 Month CD Rates

Maine 24 Month CD Average1.93% APYNational 2.71%▲ 0.17% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Trademark Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.12%
2-Year Share Certificate
$0
4.00% ▲ 2.07% above Maine avg
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 2.07% above avgNationally 2.71%
Details

Lock in 4.00% APY* for 2 years

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
24 Month Certificate
$500
4.00% ▲ 2.07% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 2.07% above avgNationally 2.71%
Details

For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
2 Year Certificate
$500
3.90% ▲ 1.97% above Maine avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.97% above avgNationally 2.71%
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
IRA 2 Year Certificate
$500
3.90% ▲ 1.97% above Maine avg
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.97% above avgNationally 2.71%
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Certificates 24 Month
$0
3.87% ▲ 1.94% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.94% above avgNationally 2.71%
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
2 Year
$0
3.87% ▲ 1.94% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.94% above avgNationally 2.71%
Details

Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
24 Month Certificate
$1,000
3.85% ▲ 1.92% above Maine avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.92% above avgNationally 2.71%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
24 Month
$500
3.82% ▲ 1.89% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.89% above avgNationally 2.71%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate 24 Month
$500
3.82% ▲ 1.89% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.89% above avgNationally 2.71%
Details

Special

Maine Solutions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
24 Month Cert.
$500
3.82% ▲ 1.89% above Maine avg
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.89% above avgNationally 2.71%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Business 24 months
$0
3.80% ▲ 1.87% above Maine avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.87% above avgNationally 2.71%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
IRA Certificate 24 months
$0
3.80% ▲ 1.87% above Maine avg
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.87% above avgNationally 2.71%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
24 month IRA Certificate
$500
3.76% ▲ 1.83% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.83% above avgNationally 2.71%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
24 month Share Certificate
$500
3.76% ▲ 1.83% above Maine avg
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.83% above avgNationally 2.71%
Details

New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.69%
IRA Share Certificates 24 months
$1,000
3.71% ▲ 1.78% above Maine avg
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.78% above avgNationally 2.71%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
Jumbo Certificates 2 Years
$0
3.71% ▲ 1.78% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.78% above avgNationally 2.71%
Details

NorState Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.52%
24 Mos Share Certificate
$1,000
3.65% ▲ 1.72% above Maine avg
View
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.72% above avgNationally 2.71%
Details

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

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month Term
$0
3.61% ▲ 1.68% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.68% above avgNationally 2.71%
Details

Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 mo.
$1,000
3.56% ▲ 1.63% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.63% above avgNationally 2.71%
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2 years
$0
3.56% ▲ 1.63% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.63% above avgNationally 2.71%
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Business 2 years
$500
3.56% ▲ 1.63% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.63% above avgNationally 2.71%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month Term
$0
3.51% ▲ 1.58% above Maine avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.58% above avgNationally 2.71%
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
24 Months
$500
3.51% ▲ 1.58% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.58% above avgNationally 2.71%
Details

Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2 Year
$0
3.50% ▲ 1.57% above Maine avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.57% above avgNationally 2.71%
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
2-Year
$500
3.45% ▲ 1.52% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.52% above avgNationally 2.71%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
2 Years
$0
3.45% ▲ 1.52% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.52% above avgNationally 2.71%
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Share Certificates 24 months
$0
3.30% ▲ 1.37% above Maine avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.37% above avgNationally 2.71%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates - 2 Year
$0
3.27% ▲ 1.34% above Maine avg
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.34% above avgNationally 2.71%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Share Certificates - 2 Year
$0
3.27% ▲ 1.34% above Maine avg
View
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.34% above avgNationally 2.71%
Details

Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
2 Year CD
$0
3.25% ▲ 1.32% above Maine avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.32% above avgNationally 2.71%
Details

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
2 Year
$500
3.25% ▲ 1.32% above Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.32% above avgNationally 2.71%
Details

Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
24 Months
$0
3.20% ▲ 1.27% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.27% above avgNationally 2.71%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 24 Months
$0
3.04% ▲ 1.11% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.11% above avgNationally 2.71%
Details

PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
24 Months Certificate
$0
3.04% ▲ 1.11% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.11% above avgNationally 2.71%
Details

Franklin SB Farmington, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
2-Year Certificate of Deposit
$500
3.00% ▲ 1.07% above Maine avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.07% above avgNationally 2.71%
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
24 Month CD
$0
3.00% ▲ 1.07% above Maine avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.07% above avgNationally 2.71%
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
2 year
$500
3.00% ▲ 1.07% above Maine avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.07% above avgNationally 2.71%
Details

MyCom Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
24 Months
$0
2.99% ▲ 1.06% above Maine avg
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.06% above avgNationally 2.71%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
24 Months - Elevate Account
$100
2.94% ▲ 1.01% above Maine avg
View
▼
Rate2.90%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.01% above avgNationally 2.71%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account - 24 Months
$0
2.94% ▲ 1.01% above Maine avg
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.01% above avgNationally 2.71%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 24 Months
$0
2.94% ▲ 1.01% above Maine avg
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 1.01% above avgNationally 2.71%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
24 Months
$100
2.84% ▲ 0.91% above Maine avg
View
▼
Rate2.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 0.91% above avgNationally 2.71%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Bump Certificate of Deposit - 24 Months
$0
2.84% ▲ 0.91% above Maine avg
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 0.91% above avgNationally 2.71%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Bump Certificates 24 Months
$0
2.84% ▲ 0.91% above Maine avg
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 0.91% above avgNationally 2.71%
Details

IRA eligible.

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
24 months
$0
2.83% ▲ 0.90% above Maine avg
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 0.90% above avgNationally 2.71%
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1 1/2 Year Certificate of Deposit
$1,000
2.79% ▲ 0.86% above Maine avg
View
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 0.86% above avgNationally 2.71%
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1 1/2 Year IRA
$100
2.79% ▲ 0.86% above Maine avg
View
▼
Rate2.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 0.86% above avgNationally 2.71%
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
24 months
$0
2.78% ▲ 0.85% above Maine avg
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 0.85% above avgNationally 2.71%
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
24 MONTH CD
$500
2.58% ▲ 0.65% above Maine avg
View
▼
Rate2.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 0.65% above avgNationally 2.71%
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
2 Year Certificate of Deposit
$1,000
2.53% ▲ 0.60% above Maine avg
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.93%▲ 0.60% above avgNationally 2.71%
Details

Phillips 36 Month CD Rates

Maine 36 Month CD Average1.79% APYNational 2.66%▲ 0.16% 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: 1.36%
3 Year Certificate
$500
3.95% ▲ 2.16% above Maine avg
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 2.16% above avgNationally 2.66%
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
IRA 3 Year Certificate
$500
3.95% ▲ 2.16% above Maine avg
View
▼
Rate3.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 2.16% above avgNationally 2.66%
Details

Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 Month Certificate
$1,000
3.90% ▲ 2.11% above Maine avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 2.11% above avgNationally 2.66%
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Certificates 36 Month
$0
3.87% ▲ 2.08% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 2.08% above avgNationally 2.66%
Details

Maine Solutions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
36 Month Cert.
$500
3.87% ▲ 2.08% above Maine avg
View
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 2.08% above avgNationally 2.66%
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
36 Month Certificate
$500
3.75% ▲ 1.96% above Maine avg
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.96% above avgNationally 2.66%
Details

For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
36 month IRA Certificate
$500
3.71% ▲ 1.92% above Maine avg
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.92% above avgNationally 2.66%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
36 month Share Certificate
$500
3.71% ▲ 1.92% above Maine avg
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.92% above avgNationally 2.66%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
Jumbo Certificates 3 Years
$0
3.71% ▲ 1.92% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.92% above avgNationally 2.66%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Term
$0
3.67% ▲ 1.88% above Maine avg
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.88% above avgNationally 2.66%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Term
$0
3.56% ▲ 1.77% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.77% above avgNationally 2.66%
Details

New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.69%
IRA Share Certificates 36 months
$1,000
3.56% ▲ 1.77% above Maine avg
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.77% above avgNationally 2.66%
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Year
$0
3.56% ▲ 1.77% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.77% above avgNationally 2.66%
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 years
$0
3.45% ▲ 1.66% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.66% above avgNationally 2.66%
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Business 3 years
$500
3.45% ▲ 1.66% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.66% above avgNationally 2.66%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
3 Years
$0
3.45% ▲ 1.66% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.66% above avgNationally 2.66%
Details

Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
3 Year
$0
3.35% ▲ 1.56% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.56% above avgNationally 2.66%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Business 36 months
$0
3.35% ▲ 1.56% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.56% above avgNationally 2.66%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
IRA Certificate 36 months
$0
3.35% ▲ 1.56% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.56% above avgNationally 2.66%
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
36 Months
$500
3.35% ▲ 1.56% above Maine avg
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.56% above avgNationally 2.66%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates - 3 Year
$0
3.31% ▲ 1.52% above Maine avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.52% above avgNationally 2.66%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Share Certificates - 3 Year
$0
3.31% ▲ 1.52% above Maine avg
View
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.52% above avgNationally 2.66%
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
3 year
$500
3.25% ▲ 1.46% above Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.46% above avgNationally 2.66%
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
3-Year
$500
3.25% ▲ 1.46% above Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.46% above avgNationally 2.66%
Details

Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
36 Months
$0
3.20% ▲ 1.41% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.41% above avgNationally 2.66%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 36 Months
$0
3.14% ▲ 1.35% above Maine avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.35% above avgNationally 2.66%
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
36 months
$0
3.09% ▲ 1.30% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.30% above avgNationally 2.66%
Details

PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
36 Months Certificate
$0
3.09% ▲ 1.30% above Maine avg
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.30% above avgNationally 2.66%
Details

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Share Certificates 36 months
$0
3.05% ▲ 1.26% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.26% above avgNationally 2.66%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account - 36 Months
$0
3.04% ▲ 1.25% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.25% above avgNationally 2.66%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 36 Months
$0
3.04% ▲ 1.25% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.25% above avgNationally 2.66%
Details

IRA eligible.

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
36 months
$0
3.04% ▲ 1.25% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.25% above avgNationally 2.66%
Details

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
3 Year
$500
3.00% ▲ 1.21% above Maine avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.21% above avgNationally 2.66%
Details

MyCom Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
36 Months
$0
2.99% ▲ 1.20% above Maine avg
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.20% above avgNationally 2.66%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Bump Certificate of Deposit - 36 Months
$0
2.94% ▲ 1.15% above Maine avg
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.15% above avgNationally 2.66%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Bump Certificates 36 Months
$0
2.94% ▲ 1.15% above Maine avg
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.15% above avgNationally 2.66%
Details

IRA eligible.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
36 Month CD
$0
2.90% ▲ 1.11% above Maine avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 1.11% above avgNationally 2.66%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
36 Month
$500
2.68% ▲ 0.89% above Maine avg
View
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 0.89% above avgNationally 2.66%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate 36 Month
$500
2.68% ▲ 0.89% above Maine avg
View
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 0.89% above avgNationally 2.66%
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
36 MONTH CD
$500
2.58% ▲ 0.79% above Maine avg
View
▼
Rate2.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 0.79% above avgNationally 2.66%
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Year CD
$500
2.00% ▲ 0.21% above Maine avg
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 0.21% above avgNationally 2.66%
Details

Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
36 Month
$500
2.00% ▲ 0.21% above Maine avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▲ 0.21% above avgNationally 2.66%
Details

Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
36 Months
$0
1.51% ▼ 0.28% below Maine avg
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▼ 0.28% below avgNationally 2.66%
Details

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3 Year Double Play CD/IRA
$500
1.25% ▼ 0.54% below Maine avg
View
▼
Rate1.24%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▼ 0.54% below avgNationally 2.66%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Year
$0
1.00% ▼ 0.79% below Maine avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▼ 0.79% below avgNationally 2.66%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Year TD Choice CD
$250
1.00% ▼ 0.79% below Maine avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▼ 0.79% below avgNationally 2.66%
Details

Relationship APY

Franklin SB Farmington, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
3-Year Certificate of Deposit
$500
1.00% ▼ 0.79% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▼ 0.79% below avgNationally 2.66%
Details

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3-Year CD
$500
0.40% ▼ 1.39% below Maine avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▼ 1.39% below avgNationally 2.66%
Details

Relationship Rates

Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
36 Months
$0
0.40% ▼ 1.39% below Maine avg
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▼ 1.39% below avgNationally 2.66%
Details

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3-Year CD
$500
0.35% ▼ 1.44% below Maine avg
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.79%▼ 1.44% below avgNationally 2.66%
Details

Phillips 48 Month CD Rates

Maine 48 Month CD Average2.20% APYNational 2.65%▲ 0.48% 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: 1.36%
4 Year Certificate
$500
4.00% ▲ 1.80% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.80% above avgNationally 2.65%
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
IRA 4 Year Certificate
$500
4.00% ▲ 1.80% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.80% above avgNationally 2.65%
Details

Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
48 Month Certificate
$1,000
3.95% ▲ 1.75% above Maine avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.75% above avgNationally 2.65%
Details

Maine Solutions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
48 Month Cert.
$500
3.92% ▲ 1.72% above Maine avg
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.72% above avgNationally 2.65%
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Certificates 48 Month
$0
3.87% ▲ 1.67% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.67% above avgNationally 2.65%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
Jumbo Certificates 4 Years
$0
3.82% ▲ 1.62% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.62% above avgNationally 2.65%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Term
$0
3.72% ▲ 1.52% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.52% above avgNationally 2.65%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
48 month IRA Certificate
$500
3.66% ▲ 1.46% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.46% above avgNationally 2.65%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
48 month Share Certificate
$500
3.66% ▲ 1.46% above Maine avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.46% above avgNationally 2.65%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Term
$0
3.61% ▲ 1.41% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.41% above avgNationally 2.65%
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
4 Year
$0
3.56% ▲ 1.36% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.36% above avgNationally 2.65%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
4 Years
$0
3.56% ▲ 1.36% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.36% above avgNationally 2.65%
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
48 Month Certificate
$500
3.50% ▲ 1.30% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.30% above avgNationally 2.65%
Details

For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4 years
$0
3.45% ▲ 1.25% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.25% above avgNationally 2.65%
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Business 4 years
$500
3.45% ▲ 1.25% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.25% above avgNationally 2.65%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Business 48 months
$0
3.40% ▲ 1.20% above Maine avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.20% above avgNationally 2.65%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
IRA Certificate 48 months
$0
3.40% ▲ 1.20% above Maine avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.20% above avgNationally 2.65%
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
48 months
$0
3.40% ▲ 1.20% above Maine avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.20% above avgNationally 2.65%
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
48 Months
$500
3.40% ▲ 1.20% above Maine avg
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.20% above avgNationally 2.65%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates - 4 Year
$0
3.35% ▲ 1.15% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.15% above avgNationally 2.65%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Share Certificates - 4 Year
$0
3.35% ▲ 1.15% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.15% above avgNationally 2.65%
Details

New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.69%
IRA Share Certificates 48 months
$1,000
3.35% ▲ 1.15% above Maine avg
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.15% above avgNationally 2.65%
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
48 months
$0
3.35% ▲ 1.15% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.15% above avgNationally 2.65%
Details

PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
48 Months Certificate
$0
3.35% ▲ 1.15% above Maine avg
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.15% above avgNationally 2.65%
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
4 year
$500
3.25% ▲ 1.05% above Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.05% above avgNationally 2.65%
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
4-Year
$500
3.25% ▲ 1.05% above Maine avg
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.05% above avgNationally 2.65%
Details

Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
4 Year
$0
3.25% ▲ 1.05% above Maine avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 1.05% above avgNationally 2.65%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 48 Months
$0
3.19% ▲ 0.99% above Maine avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.99% above avgNationally 2.65%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account - 48 Months
$0
3.14% ▲ 0.94% above Maine avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.94% above avgNationally 2.65%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 48 Months
$0
3.14% ▲ 0.94% above Maine avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.94% above avgNationally 2.65%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Bump Certificate of Deposit - 48 Months
$0
3.04% ▲ 0.84% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.84% above avgNationally 2.65%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Bump Certificates 48 Months
$0
3.04% ▲ 0.84% above Maine avg
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.84% above avgNationally 2.65%
Details

IRA eligible.

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
48 Month CD
$0
2.90% ▲ 0.70% above Maine avg
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.70% above avgNationally 2.65%
Details

MyCom Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
48 Months
$0
2.85% ▲ 0.65% above Maine avg
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.65% above avgNationally 2.65%
Details

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
4 Year
$500
2.75% ▲ 0.55% above Maine avg
View
▼
Rate2.71%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.55% above avgNationally 2.65%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month
$500
2.73% ▲ 0.53% above Maine avg
View
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.53% above avgNationally 2.65%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate 48 Month
$500
2.73% ▲ 0.53% above Maine avg
View
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.53% above avgNationally 2.65%
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
48 MONTH CD
$500
2.58% ▲ 0.38% above Maine avg
View
▼
Rate2.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▲ 0.38% above avgNationally 2.65%
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
4 Year CD
$500
2.00% ▼ 0.20% below Maine avg
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▼ 0.20% below avgNationally 2.65%
Details

Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
48 Month
$500
2.00% ▼ 0.20% below Maine avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▼ 0.20% below avgNationally 2.65%
Details

Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
RSB 4-Year Certificate
$500
1.25% ▼ 0.95% below Maine avg
View
▼
Rate1.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▼ 0.95% below avgNationally 2.65%
Details

Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
RSB 4-Year IRA Certificate
$500
1.25% ▼ 0.95% below Maine avg
View
▼
Rate1.23%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▼ 0.95% below avgNationally 2.65%
Details

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 month CD/IRA
$500
0.65% ▼ 1.55% below Maine avg
View
▼
Rate0.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▼ 1.55% below avgNationally 2.65%
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
4 Year Certificate of Deposit
$2,500
0.50% ▼ 1.70% below Maine avg
View
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▼ 1.70% below avgNationally 2.65%
Details

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
4-Year CD
$500
0.45% ▼ 1.75% below Maine avg
View
▼
Rate0.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▼ 1.75% below avgNationally 2.65%
Details

Relationship Rates

Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
4-Year CD
$500
0.40% ▼ 1.80% below Maine avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▼ 1.80% below avgNationally 2.65%
Details

Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
4-Year CD/IRA
$500
0.25% ▼ 1.95% below Maine avg
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average2.20%▼ 1.95% below avgNationally 2.65%
Details

Phillips 60 Month CD Rates

Maine 60 Month CD Average1.83% APYNational 2.76%▲ 0.21% 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: 1.36%
5 Year Certificate
$500
4.00% ▲ 2.17% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 2.17% above avgNationally 2.76%
Details

Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
IRA 5 Year Certificate
$500
4.00% ▲ 2.17% above Maine avg
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 2.17% above avgNationally 2.76%
Details

Oxford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 Month Certificate
$1,000
3.95% ▲ 2.12% above Maine avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 2.12% above avgNationally 2.76%
Details

Maine Solutions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
60 Month Cert.
$500
3.92% ▲ 2.09% above Maine avg
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 2.09% above avgNationally 2.76%
Details

Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Certificates 60 Month
$0
3.87% ▲ 2.04% above Maine avg
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 2.04% above avgNationally 2.76%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
Jumbo Certificates 5 Years
$0
3.82% ▲ 1.99% above Maine avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.99% above avgNationally 2.76%
Details

Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
60 Month CD
$0
3.75% ▲ 1.92% above Maine avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.92% above avgNationally 2.76%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Term
$0
3.72% ▲ 1.89% above Maine avg
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.89% above avgNationally 2.76%
Details

Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Term
$0
3.61% ▲ 1.78% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.78% above avgNationally 2.76%
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
60 months
$0
3.61% ▲ 1.78% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.78% above avgNationally 2.76%
Details

PeoplesChoice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
60 Months Certificate
$0
3.61% ▲ 1.78% above Maine avg
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.78% above avgNationally 2.76%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
60 month IRA Certificate
$500
3.56% ▲ 1.73% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.73% above avgNationally 2.76%
Details

Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
60 month Share Certificate
$500
3.56% ▲ 1.73% above Maine avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.73% above avgNationally 2.76%
Details

KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
5 Year
$0
3.56% ▲ 1.73% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.73% above avgNationally 2.76%
Details

Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
5 Years
$0
3.56% ▲ 1.73% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.73% above avgNationally 2.76%
Details

Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.97%
60 months
$0
3.56% ▲ 1.73% above Maine avg
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.73% above avgNationally 2.76%
Details

CASCO Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.54%
60 Months
$500
3.51% ▲ 1.68% above Maine avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.68% above avgNationally 2.76%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Business 60 months
$0
3.50% ▲ 1.67% above Maine avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.67% above avgNationally 2.76%
Details

Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
IRA Certificate 60 months
$0
3.50% ▲ 1.67% above Maine avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.67% above avgNationally 2.76%
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
5 years
$0
3.45% ▲ 1.62% above Maine avg
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.62% above avgNationally 2.76%
Details

Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Business 5 years
$500
3.45% ▲ 1.62% above Maine avg
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.62% above avgNationally 2.76%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
IRA Certificates - 5 Year
$0
3.39% ▲ 1.56% above Maine avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.56% above avgNationally 2.76%
Details

Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
Share Certificates - 5 Year
$0
3.39% ▲ 1.56% above Maine avg
View
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.56% above avgNationally 2.76%
Details

Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
60 Months
$0
3.25% ▲ 1.42% above Maine avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.42% above avgNationally 2.76%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account - 60 Months
$0
3.25% ▲ 1.42% above Maine avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.42% above avgNationally 2.76%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 60 Months
$0
3.25% ▲ 1.42% above Maine avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.42% above avgNationally 2.76%
Details

IRA eligible.

Sabattus Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
5 Year
$0
3.25% ▲ 1.42% above Maine avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.42% above avgNationally 2.76%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Elevate Account 60 Months
$0
3.24% ▲ 1.41% above Maine avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.41% above avgNationally 2.76%
Details

Maine Savings Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.48%
5 year
$500
3.15% ▲ 1.32% above Maine avg
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.32% above avgNationally 2.76%
Details

Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
5-Year
$500
3.15% ▲ 1.32% above Maine avg
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.32% above avgNationally 2.76%
Details

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Bump Certificate of Deposit - 60 Months
$0
3.14% ▲ 1.31% above Maine avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.31% above avgNationally 2.76%
Details

IRA eligible.

cPort Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
Bump Certificates 60 Months
$0
3.14% ▲ 1.31% above Maine avg
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.31% above avgNationally 2.76%
Details

IRA eligible.

New Dimensions Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.69%
IRA Share Certificates 60 months
$1,000
3.09% ▲ 1.26% above Maine avg
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.26% above avgNationally 2.76%
Details

Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
60 Month Certificate
$500
3.00% ▲ 1.17% above Maine avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.17% above avgNationally 2.76%
Details

For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Franklin Somerset Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
IRA Share Certificates 60 months
$0
2.84% ▲ 1.01% above Maine avg
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 1.01% above avgNationally 2.76%
Details

MyCom Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.39%
60 Months
$0
2.80% ▲ 0.97% above Maine avg
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 0.97% above avgNationally 2.76%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
60 Month
$500
2.78% ▲ 0.95% above Maine avg
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 0.95% above avgNationally 2.76%
Details

Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
IRA Certificate 60 Month
$500
2.78% ▲ 0.95% above Maine avg
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 0.95% above avgNationally 2.76%
Details

Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
60 Months
$0
2.02% ▲ 0.19% above Maine avg
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 0.19% above avgNationally 2.76%
Details

Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
60 MONTH CD
$500
2.01% ▲ 0.18% above Maine avg
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 0.18% above avgNationally 2.76%
Details

Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
5 Year CD
$500
2.00% ▲ 0.17% above Maine avg
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 0.17% above avgNationally 2.76%
Details

Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
60 Month
$500
2.00% ▲ 0.17% above Maine avg
View
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▲ 0.17% above avgNationally 2.76%
Details

Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
5 Year
$500
1.01% ▼ 0.82% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▼ 0.82% below avgNationally 2.76%
Details

First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
5 Year IRA
$100
1.01% ▼ 0.82% below Maine avg
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▼ 0.82% below avgNationally 2.76%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5 Year
$0
1.00% ▼ 0.83% below Maine avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▼ 0.83% below avgNationally 2.76%
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5 Year TD Choice CD
$250
1.00% ▼ 0.83% below Maine avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▼ 0.83% below avgNationally 2.76%
Details

Relationship APY

Franklin SB Farmington, ME
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
5-Year Certificate of Deposit
$500
1.00% ▼ 0.83% below Maine avg
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▼ 0.83% below avgNationally 2.76%
Details

Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
RSB 5-Year Certificate
$500
1.00% ▼ 0.83% below Maine avg
View
▼
Rate0.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▼ 0.83% below avgNationally 2.76%
Details

Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
RSB 5-Year IRA Certificate
$500
1.00% ▼ 0.83% below Maine avg
View
▼
Rate0.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▼ 0.83% below avgNationally 2.76%
Details

Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 month CD/IRA
$500
0.65% ▼ 1.18% below Maine avg
View
▼
Rate0.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Maine Average1.83%▼ 1.18% below avgNationally 2.76%
Details

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 Phillips, Maine Institutions

Highest verified APYs available today — updated August 28, 2026

B Top 5 Bank Rates
Androscoggin Savings Bank
18 Month Variable Rate IRA CD
A+ 5.0 ★ TX: 2.03%
Min: $500
4.12%
Northeast Bank Portland, ME
1 Year CD
A+ 5.0 ★ TX: 5.60%
Min: $0
4.10%
M&T Bank
18-Month M&T Select CD
A 5.0 ★ TX: 11.17%
Min: $0
3.85%
Eagle Bank Everett, MA
6-12 month CD/IRA Special
A+ 5.0 ★ TX: 0.51%
Min: $10,000
3.85%
Saco & Biddeford Savings
18 Month CD
A+ 5.0 ★ TX: 4.27%
Min: $0
3.75%
CU Top 5 Credit Union Rates
Empeople Credit Union
12 Month Certificate
A 5.0 ★ TX: 6.85%
Min: $500
4.10%
Evergreen Credit Union Portland, ME
Business 6 months
A 5.0 ★ TX: 7.69%
Min: $0
4.05%
Trademark Federal Credit Union
2-Year Share Certificate
A 5.0 ★ TX: 12.12%
Min: $0
4.00%
NorState Federal Credit Union
18 Mos Share Certificate
A 5.0 ★ TX: 11.52%
Min: $1,000
4.00%
Maine Family Federal Credit Union
4 Year Certificate
A+ 5.0 ★ TX: 1.36%
Min: $500
4.00%
Rates verified August 28, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Phillips, ME CD Rate Trends

Compare local Phillips, 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
2.255%
▼ 0.172 vs 7 days ago

Maine 12-month CD rates fell 0.172 points over the past 7 days to 2.255% APY.

6-Month CD — ME Avg
2.845%
▲ 0.337 vs 7 days ago

Maine 6-month CD rates rose 0.337 points over the past 7 days to 2.845% APY.

As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

ME CD Rate Forecast — Next 12 Months

Where are Maine CD rates headed through August 2027?

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

ME 12-Month Avg APY
2.255%
6-Month Forecast
2.255%
Range: 2.06% – 2.41%
12-Month Forecast
2.005%
Range: 1.81% – 2.16%

Data inputs: The central forecast uses CME FedWatch implied fed funds path 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 2.12% 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% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at ME CD Rates Today

Annual interest earnings at today’s Maine average APYs. State average used where available; national average as fallback.

CD Term ME Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.316% $65.81 $131.61 $329.03 $658.05
6-Month CD 2.845% $142.25 $284.50 $711.25 $1,422.50
12-Month CD 2.255% $112.73 $225.45 $563.63 $1,127.25
18-Month CD 2.183% $109.15 $218.30 $545.75 $1,091.50
24-Month CD 1.926% $96.29 $192.57 $481.43 $962.85
36-Month CD 1.788% $89.38 $178.76 $446.90 $893.80
48-Month CD 2.201% $110.03 $220.06 $550.15 $1,100.30
60-Month CD 1.832% $91.57 $183.15 $457.87 $915.75
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026.

Sample CD Ladder for Phillips, 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 1.316% $65.81
2 6-Month CD $5,000 2.845% $142.25
3 12-Month CD $5,000 2.255% $112.73
4 24-Month CD $5,000 1.926% $96.29
5 36-Month CD $5,000 1.788% $89.38
Total ($25,000 invested) $25,000 2.026% blended $506.46/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.

337
CD Rates
Tracked in Phillips, Maine
19 Banks 28 Credit Unions

About Our Phillips, Maine CD Rate Database

MonitorBankRates tracks 337 CD rates from 19 banks and 28 credit unions with locations in Phillips, Maine, plus national online institutions available to Maine residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.

Current top rate: Androscoggin Savings Bank offers a CD at 4.12% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Phillips, Maine.

How to Find the Best CD Rates in Phillips, Maine

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

To find the best APYs in Phillips, Maine, start with credit unions and online-only banks — Phillips, Maine has 28 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 Phillips, 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 Phillips, Maine — 47 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
$100/yr
At ME 12-mo avg 2.255% APY

22.4% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s ME 12-month CD average of 2.255%, saving 10% of the local median salary ($4,448/year) and putting it in a CD would earn an additional $100 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 Phillips, Maine

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Phillips, 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 Phillips, 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 Phillips, Maine as everywhere in the U.S.

Choosing a CD Term in Phillips, 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 Phillips, Maine savers easier access to their funds. For example, Evergreen Credit Union Portland, ME is offering its Business 6 months at 4.05% 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 4.00% 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 Phillips, 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 Phillips, 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 Phillips, 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 Phillips, 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 Phillips, Maine

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

Are CD rates in Phillips, Maine FDIC insured?

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

Here are recent top rates found for this area:
  • Androscoggin Savings Bank: 4.12% APY (18 Month Variable Rate IRA CD)
  • Northeast Bank Portland, ME: 4.10% APY (1 Year CD)
  • Empeople Credit Union: 4.10% APY (12 Month Certificate)
  • Evergreen Credit Union Portland, ME: 4.05% APY (Business 6 months)
  • Trademark Federal Credit Union: 4.00% APY (2-Year Share Certificate)
  • NorState Federal Credit Union: 4.00% APY (18 Mos Share Certificate)
  • Maine Family Federal Credit Union: 4.00% APY (4 Year Certificate)
  • Katahdin Federal Credit Union: 3.97% APY (12 month IRA Certificate)
  • Oxford Federal Credit Union: 3.95% APY (48 Month Certificate)
  • Maine Solutions Federal Credit Union: 3.92% APY (48 Month Cert.)
Rates reflect recent verified offers available in Phillips, Maine. Last Updated: August 28, 2026

Phillips, 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 Phillips, 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 30–180 days of interest. Estimates are for informational purposes only.

Top Phillips, Maine CD Rates by Term

Verified August 28, 2026 — click a rate to use its term and APY
Highest verified APY per term available in Phillips, Maine. Averages shown use the Maine state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Phillips, Maine

Phillips, Maine CD Calculator

At today’s ME top rate of 4.12% APY, a $10,000 deposit earns $412 in the first year. Enter your amount to see your exact return.

Phillips, Maine CD Ladder

ME CD rates currently range from 1.316% (3-month) to 1.788% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Phillips, Maine CD at 4.12% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Maine’s average 12-month CD is 2.255% 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 Phillips, 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 Phillips, 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 Phillips, 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: August 28, 2026

Phillips, Maine Rates & Resources

$
Phillips, Maine Mortgage Rates
$
Phillips, Maine Home Equity Loan Rates
$
Phillips, Maine Savings Rates
$
Phillips, Maine Money Market Rates
$
Phillips, Maine Checking Rates
$
Phillips, Maine Auto Loan Rates
$
Phillips, Maine Personal Loan Rates
$
Phillips, Maine Homeowners Insurance
$
Phillips, Maine Car Insurance