CD Rates Waterville, Maine (ME) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Waterville, Maine CD rates include KV Federal Credit UnionKV Federal Credit Union299 Main St, Waterville, ME 04901 4918A+5.0 ★Texas Ratio: 0.82% offering 2 Year Share, IRA & HSA Certificates of Deposit at 3.87% APY, Maine State Credit UnionMaine State Credit Union81 Grove St, Waterville, ME 04901 5826A5.0 ★Texas Ratio: 8.98% offering 6-Month Share Certificate at 3.60% APY, Bar Harbor Bank & TrustBar Harbor Bank & Trust335 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 1.69% offering 6-month CD at 3.50% APY, Camden National BankCamden National Bank150 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 0.98% offering 6-Month CD* at 3.35% APY, and Kennebec Savings BankKennebec Savings Bank226 Main St, Waterville, ME 04901A+5.0 ★Texas Ratio: 1.44% offering 6 Month CD at 3.00% APY. CD rates as of March 29, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Waterville, Maine, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 29, 2026
Compare Best CD Rates in Waterville, Maine & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
3-Month Share Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
3 Month Certificate Benefit Plus? Customers
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
182 Main St, Waterville, ME 04901
3 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Saco Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
312 Main St, Saco, ME 04072 1515
IRA and Share Certificate 3 Month Special
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 3 Month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
3 Month CD
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
not available for IRAs
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Central St, Millinocket, ME 04462 2101
Share Certificates 3 month
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
3 Mo. Share Certificate
$100
1.75%
▼
Rate1.74%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
65 Portland Rd, Kennebunk, ME 04043
3 month CD/IRA
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
6-Month Share Certificate
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
299 Main St, Waterville, ME 04901 4918
6 Month Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
335 Main St, Waterville, ME 04901
6-month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
This CD special is available to customers with a Relationship Rewards Checking account with Bar Harbor Bank & Trust.
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
6-Month CD*
$1,000
3.35%
▼
Rate3.29%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Kennebec Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
226 Main St, Waterville, ME 04901
6 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
CD Only
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
6 Month Certificate Benefit Plus? Customers
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 6 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
6-Month CD
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 6 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1345 Washington Ave, Portland, ME 04103
Regular Share Certificate Account 6 Month
$150,000
3.76%
▼
Rate3.70%
Min Deposit$150,000
Min Balance—
UpdatedMar 29, 2026
Details
$150,000.00 or more
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
339 Hogan Rd, Bangor, ME 04401 4205
6-Month Share Certificates
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
6 Month Certificate
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
103 Main St, Bar Harbor, ME 04609
6 MONTH CD
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2010 N Belfast ave, Augusta, ME 04330
CD's (share 6 mo.
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
6 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
6 Month Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
6 Month Compounded Certificate of Deposit
$10,000
2.53%
▼
Rate2.50%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details
Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
105 Front St, Bath, ME 04530
6 Month CD / IRA
$500
2.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Maine Media Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
295 Gannett Dr, South Portland, ME 04106 6910
6 month Share Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
$1000 minimum, penalty for early withdrawal
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
65 Portland Rd, Kennebunk, ME 04043
6 month CD/IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
6-Month CD
$500
0.20%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Basic CDs/IRAs 6 Month
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
299 Main St, Waterville, ME 04901 4918
12 Month Share, IRA & HSA Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
1-Year Share Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
12-Month CD**
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
182 Main St, Waterville, ME 04901
12 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
12 Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Benefit Plus? Customers
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates 12 month
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1345 Washington Ave, Portland, ME 04103
Regular Share Certificate Account 12 Month
$150,000
3.87%
▼
Rate3.80%
Min Deposit$150,000
Min Balance—
UpdatedMar 29, 2026
Details
$150,000.00 or more
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
1 Year CD
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
12 Month Term Fixed-Rate Share Certificates
$1,000
3.75%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
339 Hogan Rd, Bangor, ME 04401 4205
1 year Share Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Coast Line Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
333 Cottage Rd, South Portland, ME 04106 3919
Certificate Account 1 Year
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
225 Riverside St, Portland, ME 04103 1038
Ultimate Insured Share Certificate - 12 Mo.
$250,000
3.60%
▼
Rate3.54%
Min Deposit$250,000
Min Balance—
UpdatedMar 29, 2026
Details
Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
103 Main St, Bar Harbor, ME 04609
12 MONTH CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME 04011
1 Year IRA Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Maine Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
100 Minot Ave, Auburn, ME 04210
Certificates of Deposit (CDs) - Special Offerings 12 Month Special
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
1 Year Certificate of Deposit
$1,000
3.05%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
831 Middle St, Bath, ME 04530 2401
IRA Certificates 1 Year
$0
2.91%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
105 Front St, Bath, ME 04530
Laddered CD / IRA - 1 Year Rung
$500
2.38%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
582 Main St, Rockland, ME 04841
RSB 1-Year Certificate
$500
1.75%
▼
Rate1.71%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
1-Year CD
$500
0.35%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
65 Portland Rd, Kennebunk, ME 04043
12 month CD/IRA
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Norway Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.74%
83 Maine St, Brunswick, ME 04011
Premium CDs / IRAs 1 Year
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
1 Year CD
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
299 Main St, Waterville, ME 04901 4918
18 Month Share, IRA & HSA Certificates of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
18-Month Share Certificate
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
182 Main St, Waterville, ME 04901
18 Month Choice CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
18 Month Certificate Benefit Plus? Customers
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
18-Month CD/IRA
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates 18 month
$500
3.87%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Variable-Rate IRA Share Certificates 18 Month Term
$25
3.67%
▼
Rate3.60%
Min Deposit$25
Min Balance—
UpdatedMar 29, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
18 Month Variable Rate IRA CD
$0
3.54%
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
18 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
103 Main St, Bar Harbor, ME 04609
18 MONTH CD
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
105 Front St, Bath, ME 04530
18 Month Opportunity CD
$500
2.43%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2010 N Belfast ave, Augusta, ME 04330
CD's (share 18 mo. Youth
$100
1.01%
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Katahdin Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
11 Main St, Patten, ME 04765
18 month variable rate IRA/SEP
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
299 Main St, Waterville, ME 04901 4918
2 Year Share, IRA & HSA Certificates of Deposit
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
2-Year Share Certificate
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
24 Month Certificate Benefit Plus? Customers
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
182 Main St, Waterville, ME 04901
24 Month Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
2-Year CD/IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
24 Month IRA Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Variable-Rate IRA Share Certificates 24 Month Term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Capital Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2010 N Belfast ave, Augusta, ME 04330
CD's (share 24 mo.
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
IRA 2 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1345 Washington Ave, Portland, ME 04103
Regular Share Certificate Account 24 Month
$150,000
3.45%
▼
Rate3.40%
Min Deposit$150,000
Min Balance—
UpdatedMar 29, 2026
Details
$150,000.00 or more
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 2 year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates 24 month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Northeast Bank Portland, ME
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
27 Pearl St, Portland, ME 04101
2 Year CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
24 Month CD
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
831 Middle St, Bath, ME 04530 2401
IRA Certificates 2 Year
$0
2.91%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
1 1/2 Year IRA
$100
2.79%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details
Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
103 Main St, Bar Harbor, ME 04609
24 MONTH CD
$500
2.58%
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
105 Front St, Bath, ME 04530
Laddered CD / IRA - 2 Year Rung
$500
2.38%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
2 Year CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
582 Main St, Rockland, ME 04841
RSB 2-Year Certificate
$500
1.50%
▼
Rate1.47%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
2-Year CD
$500
0.40%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
65 Portland Rd, Kennebunk, ME 04043
2 Year Step-Up CD/IRA
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
2 Year CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
299 Main St, Waterville, ME 04901 4918
3 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
3-Year Share Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
36 Month Certificate Benefit Plus? Customers
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
182 Main St, Waterville, ME 04901
3 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
3-Year CD/IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 36 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 36 Month Term
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
IRA 3 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1345 Washington Ave, Portland, ME 04103
Regular Share Certificate Account 36 Month
$150,000
3.45%
▼
Rate3.40%
Min Deposit$150,000
Min Balance—
UpdatedMar 29, 2026
Details
$150,000.00 or more
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates 36 month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
831 Middle St, Bath, ME 04530 2401
IRA Certificates 3 Year
$0
2.91%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
36 Month CD
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
36 Month Certificate
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
103 Main St, Bar Harbor, ME 04609
36 MONTH CD
$500
2.58%
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
105 Front St, Bath, ME 04530
Laddered CD / IRA - 3 Year Rung
$500
2.48%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
3 Year CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
65 Portland Rd, Kennebunk, ME 04043
3 Year Double Play CD/IRA
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
3-Year CD
$500
0.40%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
3 Year CD
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
299 Main St, Waterville, ME 04901 4918
4 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
4-Year Share Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
48 Month Certificate Benefit Plus? Customers
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
4-Year CD/IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 48 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 48 Month Term
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1345 Washington Ave, Portland, ME 04103
Regular Share Certificate Account 48 Month
$150,000
3.51%
▼
Rate3.45%
Min Deposit$150,000
Min Balance—
UpdatedMar 29, 2026
Details
$150,000.00 or more
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
IRA 4 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Katahdin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Central St, Millinocket, ME 04462 2101
IRA Certificates 48 month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
831 Middle St, Bath, ME 04530 2401
IRA Certificates 4 Year
$0
2.91%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
48 Month CD
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
48 Month Certificate
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
103 Main St, Bar Harbor, ME 04609
48 MONTH CD
$500
2.58%
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
105 Front St, Bath, ME 04530
Laddered CD / IRA - 4 Year Rung
$500
2.53%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
4 Year CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Rockland Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
582 Main St, Rockland, ME 04841
RSB 4-Year Certificate
$500
1.25%
▼
Rate1.23%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
65 Portland Rd, Kennebunk, ME 04043
48 month CD/IRA
$500
0.65%
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
First Federal S&L Bath
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
125 Front St, Bath, ME 04530
4 Year Certificate of Deposit
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 29, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
4-Year CD
$500
0.45%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
KV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
299 Main St, Waterville, ME 04901 4918
5 Year Share, IRA & HSA Certificates of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Maine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
81 Grove St, Waterville, ME 04901 5826
5-Year Share Certificate
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
366 Main St, Waterville, ME 04901
60 Month Certificate Benefit Plus? Customers
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
182 Main St, Waterville, ME 04901
5 Year Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 29, 2026
Details
Relationship APY
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
150 Main St, Waterville, ME 04901
5-Year CD/IRA
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 60 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 60 Month Term
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
252 Main St, Saco, ME 04072
60 Month CD
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Maine Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
555 Sabattus St, Lewiston, ME 04240
IRA 5 Year Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Cumberland County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
1345 Washington Ave, Portland, ME 04103
Regular Share Certificate Account 60 Month
$50,000
3.45%
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedMar 29, 2026
Details
$50,000.00 to $149,999.99 APY*
Downeast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
23 Third Ave, Baileyville, ME 04694
Share Certificate & IRA Certificate 5 year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
831 Middle St, Bath, ME 04530 2401
IRA Certificates 5 Year
$0
2.91%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Bath Savings Institution
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
105 Front St, Bath, ME 04530
Laddered CD / IRA - 5 Year Rung
$500
2.89%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
60 Month Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Bar Harbor SLA
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
103 Main St, Bar Harbor, ME 04609
60 MONTH CD
$500
2.01%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Androscoggin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
30 Lisbon St, Lewiston, ME 04240
5 Year CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
65 Portland Rd, Kennebunk, ME 04043
60 month CD/IRA
$500
0.65%
▼
Rate0.65%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
13 Elm St, Skowhegan, ME 04976
5 Year CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
900 Main St, Sanford, ME 04073
5-Year CD
$500
0.45%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedMar 29, 2026
Details
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Waterville, ME CD Rate Trends
Compare local Waterville, ME CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — ME Avg
2.037%
▼ 1.186 from last week
Maine 12-month CD rates fell 1.186 points this week to 2.037% APY, down from 3.223% last week.
6-Month CD — ME Avg
2.038%
▼ 1.484 from last week
Maine 6-month CD rates fell 1.484 points this week to 2.038% APY, down from 3.522% last week.
As of Mar 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Waterville, Maine
Are CD rates in Waterville, Maine FDIC insured?
Yes, most established banks in Waterville, 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 Waterville, 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 Waterville, 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 Waterville, 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 Waterville, Maine?
Here are recent top rates found for this area:
- KV Federal Credit Union: 3.87% APY (2 Year Share, IRA & HSA Certificates of Deposit)
- Maine State Credit Union: 3.60% APY (6-Month Share Certificate)
- Bar Harbor Bank & Trust: 3.50% APY (6-month CD)
- Camden National Bank: 3.35% APY (6-Month CD*)
- Kennebec Savings Bank: 3.00% APY (6 Month CD)
- Bangor Savings Bank: 2.53% APY (3 Month Certificate Benefit Plus? Customers)
- TD Bank: 1.00% APY (3 Year Certificate of Deposit)
- Katahdin Federal Credit Union: 4.07% APY (IRA Certificates 12 month)
- Downeast Credit Union: 4.00% APY (Share Certificate & IRA Certificate 6 month)
- Northeast Bank Portland, ME: 3.95% APY (6-Month CD)
Rates reflect recent verified offers available in Waterville, Maine. Last Updated: March 29, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Waterville, Maine directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Waterville, 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: March 29, 2026
