MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.
Checking Rate Trends

Maine Best Checking Accounts & Rates October 2026

Maine checking account rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. The best checking rates for Maine include Evergreen Credit Union Portland, MEEvergreen Credit Union Portland, ME225 Riverside St, Portland, ME 04103 1038A5.0 ★Texas Ratio: 9.45% Rise High-Yield Checking at 6.00% APY, University Credit Union Orono, MEUniversity Credit Union Orono, ME977 Union St, Bangor, ME 04401A+5.0 ★Texas Ratio: 4.73% Kasasa Cash Checking - REALLY High Rewards at 5.50% APY, Atlantic Regional Federal Credit UnionAtlantic Regional Federal Credit Union55 Cushing ST, Brunswick, ME 04011A+5.0 ★Texas Ratio: 3.78% Kasasa Cash Checking at 5.00% APY, PeoplesChoice Credit UnionPeoplesChoice Credit Union23 Industrial Park Rd, Saco, ME 04072 1804A5.0 ★Texas Ratio: 8.22% HighFive Checking at 5.00% APY, and Town & Country Federal Credit UnionTown & Country Federal Credit Union557 Main St, South Portland, ME 04106 5408A+5.0 ★Texas Ratio: 3.00% Free Rewards Checking at 4.07% APY. Checking account rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare checking account rates across Maine side-by-side. Maine checking rates currently reach as high as 6.00% APY from Evergreen Credit Union Portland, ME at 225 Riverside St, Portland, ME, 04103 1038. Rates are continually updated, so we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Maine. Checking Account Rates Last Updated and Verified: October 13, 2026

Compare Checking Account Rates Today in Maine

Institutions:

Maine Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 9.45%
225 Riverside St
Portland, ME 04103 1038
Rise High-Yield Checking
6.00%
$25
▼
Rate5.83%
Min Deposit$25
Min BalanceN/A
UpdatedOct 10, 2026
Details

Transactions:$1,500 or more (Balances up to $10,000.00)

Rate History
2 changes since Sep 14, 2026 · 3.00% → 6.00% ▲ 3.00 pts · high 6.00% / low 0.05%
0.00%5.98%11.95%Sep 14, 2026: 3.00% APYSep 18, 2026: 0.05% APYOct 10, 2026: 6.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.00%▲ from 0.05%
  • Sep 18, 20260.05%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
977 Union St
Bangor, ME 04401
Kasasa Cash Checking - REALLY High Rewards
5.50%
$0
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required: 28 debit card purchases post and settle; Be enrolled and receive e-statements; Be enrolled and access digital banking; At least 1 automatic payment (ACH) post and settle, such as payroll direct deposit or bill pay; Balance: $0 - $15,000; Qualifying balance up to $15,000.00; Rates effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 5.50% APY
5.00%5.50%6.00%Oct 13, 2026: 5.50% APYOct 13, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Kasasa Cash Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $15,000

Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 30, 2026: 5.00% APYSep 30, 2026Oct 13, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
23 Industrial Park Rd
Saco, ME 04072 1804
HighFive Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

qualifying; Balance: $25

Rate History
1 change since Sep 14, 2026 · 0.25% → 5.00% ▲ 4.75 pts · high 5.00% / low 0.25%
0.00%4.88%9.75%Sep 14, 2026: 0.25% APYSep 27, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.00%▲ from 0.25%
  • Sep 14, 20260.25%first recorded
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
557 Main St
South Portland, ME 04106 5408
Free Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Domestic ATM fees reimbursed up to $25 when qualifications are met; Dividends compounded and credited monthly

Rate History
1 change since Oct 8, 2026 · 0.05% → 4.07% ▲ 4.02 pts · high 4.07% / low 0.05%
0.00%4.05%8.09%Oct 8, 2026: 0.05% APYOct 12, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20264.07%▲ from 0.05%
  • Oct 8, 20260.05%first recorded
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
977 Union St
Bangor, ME 04401
Kasasa Cash Checking - High Rewards
4.01%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required; Balance: $0 - $15,000; Qualifying balance up to $15,000

Rate History
No change since Oct 13, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 13, 2026: 4.01% APYOct 13, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
831 Middle St
Bath, ME 04530 2401
High Yield Checking
4.01%
$0
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: Under $15,000.00; Qualifying balance up to $15,000.00

Rate History
2 changes since Sep 14, 2026 · 0.05% → 4.01% ▲ 3.96 pts · high 4.01% / low 0.05%
0.00%3.99%7.97%Sep 14, 2026: 0.05% APYOct 9, 2026: 3.00% APYOct 13, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.01%▲ from 3.00%
  • Oct 9, 20263.00%▲ from 0.05%
  • Sep 14, 20260.05%first recorded
Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.06%
144 Pine St
Lewiston, ME 04240
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: 0 - $10,000; Qualifying balance up to $10,000.00; Kasasa Accounts do not have a minimum balance requirement to earn dividends; variable dividend rate and variable APY; fees could reduce earnings

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
339 Hogan Rd
Bangor, ME 04401 4205
BFCU Premium Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required; Balance: $0.00 - $20,000.00; Qualifying balance up to $20,000.00; Free Visa debit card; Refunds on nationwide ATM withdrawal fees up to $25 monthly; No monthly maintenance fees; No minimum balance to earn rewards

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
339 Hogan Rd
Bangor, ME 04401 4205
Premium Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Met; balance of $20,000 or less

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
200 Capitol St
Augusta, ME 04330 6238
Maine Advantage Checking
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required; Balance: $500 - $15,000; Earns 3.50% APY on balances up to $15,000 with qualifications met; ATM fee refunds up to $25 per statement cycle

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
20 Washington St N
Auburn, ME 04210
Dirigo Honors Checking
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0-$25,000

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
776 Main St
Presque Isle, ME 04769
YES High Yield Checking Account
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $2,500.01-$10,000.00

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.79%
375 Main St
Gorham, ME 04038 1336
Platinum Rewards Checking
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 9.45%
225 Riverside St
Portland, ME 04103 1038
Rise High-Yield Checking
3.00%
$25
▼
Rate2.96%
Min Deposit$25
Min BalanceN/A
UpdatedOct 10, 2026
Details

Transactions: $750 - $1,499.99 (Balances up to $10,000.00)

Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.00% / low 0.05%
0.00%2.98%5.95%Sep 14, 2026: 3.00% APYSep 18, 2026: 0.05% APYOct 10, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.00%▲ from 0.05%
  • Sep 18, 20260.05%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
61 Grove St
Waterville, ME 04901
Kasasa Cash Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifying balance up to $15,000; APY is a blended rate (2.50% - 0.59%) based on $100,000 balance; rate drops to .25% over $15,000

Rate History
No change since Oct 13, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Kasasa Cash Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $15,000

Rate History
1 change since Sep 30, 2026 · 5.00% → 2.50% ▼ 2.50 pts · high 5.00% / low 2.50%
0.00%3.75%7.50%Sep 30, 2026: 5.00% APYOct 6, 2026: 2.50% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20262.50%▼ from 5.00%
  • Sep 30, 20265.00%first recorded
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
325 Lisbon St
Lisbon, ME 04250 6865
Ultimate Checking Accounts
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $100,000.00 and over; No monthly service charge if $2,500 balance is maintained; Dividends are paid monthly on the average daily balance

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
43 High St
Caribou, ME 04736
Now Business Checking Business
1.02%
$50
▼
Rate1.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $100,000 & Over

Rate History
No change since Sep 14, 2026 · 1.02% APY · checked 6 times
0.52%1.02%1.52%Sep 14, 2026: 1.02% APYSep 14, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
325 Lisbon St
Lisbon, ME 04250 6865
Ultimate Checking Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $50,000.00-$99,999.99; No monthly service charge if $2,500 balance is maintained; Dividends are paid monthly on the average daily balance

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
325 Lisbon St
Lisbon, ME 04250 6865
Ultimate Checking Accounts
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $20,000.00-$49,999.99; No monthly service charge if $2,500 balance is maintained; Dividends are paid monthly on the average daily balance

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
325 Lisbon St
Lisbon, ME 04250 6865
Ultimate Checking Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $2,500-$19,999.99; No monthly service charge if $2,500 balance is maintained; Dividends are paid monthly on the average daily balance

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
43 High St
Caribou, ME 04736
Now Business Checking Business
0.66%
$50
▼
Rate0.65%
Min Deposit$50
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 0.66% APY · checked 6 times
0.16%0.66%1.16%Sep 14, 2026: 0.66% APYSep 14, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
100 Minot Ave
Auburn, ME 04210
Champion High-Yield Checking - High Tier
0.60%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: With one ACH deposit that posts and clears per statement cycle.; Balance: $500,000.00 to $4,999,999.99

Rate History
No change since Sep 24, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 24, 2026: 0.60% APYSep 24, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
100 Minot Ave
Auburn, ME 04210
Champion High-Yield Checking - High Tier
0.50%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: With one ACH deposit that posts and clears per statement cycle.; Balance: $250,000.00 to $499,999.99

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 13, 2026
Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
83 Maine St
Brunswick, ME 04011
Full Solutions Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $2,500 to $24,999.99

Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Premium Business Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $100,000 and over

Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 30, 2026: 0.50% APYSep 30, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
43 High St
Caribou, ME 04736
Now Business Checking Business
0.36%
$50
▼
Rate0.35%
Min Deposit$50
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 0.36% APY · checked 6 times
0.00%0.43%0.86%Sep 14, 2026: 0.36% APYSep 14, 2026Oct 13, 2026
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
977 Union St
Bangor, ME 04401
Premier Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $10,000 - above

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Premium Business Checking Business
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 30, 2026: 0.30% APYSep 30, 2026Oct 13, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
252 Main St
Saco, ME 04072
Mutual Interest Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $250,000 or more

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
100 Minot Ave
Auburn, ME 04210
Champion High-Yield Checking - High Tier
0.25%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: With one ACH deposit that posts and clears per statement cycle.; Balance: $100,000.00 to $249,999.99

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 13, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
23 Industrial Park Rd
Saco, ME 04072 1804
HighFive Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

non-qualifying; Balance: $25

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
First Federal S&L Bath
Institution Rating:
A-5.0 ★ Texas Ratio: 14.93%
125 Front St
Bath, ME 04530
ECO Checking
0.20%
$200
▼
Rate0.20%
Min Deposit$200
Min BalanceN/A
UpdatedOct 12, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
43 High St
Caribou, ME 04736
Now Business Checking Business
0.20%
$50
▼
Rate0.20%
Min Deposit$50
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: Under $10,000

Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 13, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
252 Main St
Saco, ME 04072
Mutual Interest Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
100 Minot Ave
Auburn, ME 04210
Champion High-Yield Checking - High Tier
0.20%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: With one ACH deposit that posts and clears per statement cycle.; Balance: $50,000.00 to $99,999.99

Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
100 Minot Ave
Auburn, ME 04210
Champion High-Yield Checking - Low Tier
0.20%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: Without an ACH deposit that posts and clears per statement cycle.; Balance: $250,000.00 to $499,999.99

Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 13, 2026
Norway Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
83 Maine St
Brunswick, ME 04011
Flexible Solutions Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $250,000 & more

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 13, 2026
Kennebec Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
150 State St
Augusta, ME 04330
Premier Checking II
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $250,000 - $499,999

Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026

Maine High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 9.45%
225 Riverside St
Portland, ME 04103 1038
Rise High-Yield Checking
6.00%
$25
▼
Rate5.83%
Min Deposit$25
Min BalanceN/A
UpdatedOct 10, 2026
Details

Transactions:$1,500 or more (Balances up to $10,000.00)

Rate History
2 changes since Sep 14, 2026 · 3.00% → 6.00% ▲ 3.00 pts · high 6.00% / low 0.05%
0.00%5.98%11.95%Sep 14, 2026: 3.00% APYSep 18, 2026: 0.05% APYOct 10, 2026: 6.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.00%▲ from 0.05%
  • Sep 18, 20260.05%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
977 Union St
Bangor, ME 04401
Kasasa Cash Checking - REALLY High Rewards
5.50%
$0
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required: 28 debit card purchases post and settle; Be enrolled and receive e-statements; Be enrolled and access digital banking; At least 1 automatic payment (ACH) post and settle, such as payroll direct deposit or bill pay; Balance: $0 - $15,000; Qualifying balance up to $15,000.00; Rates effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 5.50% APY
5.00%5.50%6.00%Oct 13, 2026: 5.50% APYOct 13, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Kasasa Cash Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $15,000

Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 30, 2026: 5.00% APYSep 30, 2026Oct 13, 2026
PeoplesChoice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
23 Industrial Park Rd
Saco, ME 04072 1804
HighFive Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

qualifying; Balance: $25

Rate History
1 change since Sep 14, 2026 · 0.25% → 5.00% ▲ 4.75 pts · high 5.00% / low 0.25%
0.00%4.88%9.75%Sep 14, 2026: 0.25% APYSep 27, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.00%▲ from 0.25%
  • Sep 14, 20260.25%first recorded
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
557 Main St
South Portland, ME 04106 5408
Free Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Domestic ATM fees reimbursed up to $25 when qualifications are met; Dividends compounded and credited monthly

Rate History
1 change since Oct 8, 2026 · 0.05% → 4.07% ▲ 4.02 pts · high 4.07% / low 0.05%
0.00%4.05%8.09%Oct 8, 2026: 0.05% APYOct 12, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20264.07%▲ from 0.05%
  • Oct 8, 20260.05%first recorded
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
977 Union St
Bangor, ME 04401
Kasasa Cash Checking - High Rewards
4.01%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required; Balance: $0 - $15,000; Qualifying balance up to $15,000

Rate History
No change since Oct 13, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 13, 2026: 4.01% APYOct 13, 2026Oct 13, 2026
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
831 Middle St
Bath, ME 04530 2401
High Yield Checking
4.01%
$0
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: Under $15,000.00; Qualifying balance up to $15,000.00

Rate History
2 changes since Sep 14, 2026 · 0.05% → 4.01% ▲ 3.96 pts · high 4.01% / low 0.05%
0.00%3.99%7.97%Sep 14, 2026: 0.05% APYOct 9, 2026: 3.00% APYOct 13, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.01%▲ from 3.00%
  • Oct 9, 20263.00%▲ from 0.05%
  • Sep 14, 20260.05%first recorded
Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.06%
144 Pine St
Lewiston, ME 04240
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: 0 - $10,000; Qualifying balance up to $10,000.00; Kasasa Accounts do not have a minimum balance requirement to earn dividends; variable dividend rate and variable APY; fees could reduce earnings

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
339 Hogan Rd
Bangor, ME 04401 4205
BFCU Premium Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required; Balance: $0.00 - $20,000.00; Qualifying balance up to $20,000.00; Free Visa debit card; Refunds on nationwide ATM withdrawal fees up to $25 monthly; No monthly maintenance fees; No minimum balance to earn rewards

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Bangor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
339 Hogan Rd
Bangor, ME 04401 4205
Premium Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Met; balance of $20,000 or less

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
Maine State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
200 Capitol St
Augusta, ME 04330 6238
Maine Advantage Checking
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required; Balance: $500 - $15,000; Earns 3.50% APY on balances up to $15,000 with qualifications met; ATM fee refunds up to $25 per statement cycle

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Dirigo Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
20 Washington St N
Auburn, ME 04210
Dirigo Honors Checking
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0-$25,000

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
The County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
776 Main St
Presque Isle, ME 04769
YES High Yield Checking Account
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $2,500.01-$10,000.00

Rate History
No change since Oct 5, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 5, 2026: 3.04% APYOct 5, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.79%
375 Main St
Gorham, ME 04038 1336
Platinum Rewards Checking
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Evergreen Credit Union Portland, ME
Institution Rating:
A5.0 ★ Texas Ratio: 9.45%
225 Riverside St
Portland, ME 04103 1038
Rise High-Yield Checking
3.00%
$25
▼
Rate2.96%
Min Deposit$25
Min BalanceN/A
UpdatedOct 10, 2026
Details

Transactions: $750 - $1,499.99 (Balances up to $10,000.00)

Rate History
2 changes since Sep 14, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.00% / low 0.05%
0.00%2.98%5.95%Sep 14, 2026: 3.00% APYSep 18, 2026: 0.05% APYOct 10, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.00%▲ from 0.05%
  • Sep 18, 20260.05%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
61 Grove St
Waterville, ME 04901
Kasasa Cash Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifying balance up to $15,000; APY is a blended rate (2.50% - 0.59%) based on $100,000 balance; rate drops to .25% over $15,000

Rate History
No change since Oct 13, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Kasasa Cash Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $15,000

Rate History
1 change since Sep 30, 2026 · 5.00% → 2.50% ▼ 2.50 pts · high 5.00% / low 2.50%
0.00%3.75%7.50%Sep 30, 2026: 5.00% APYOct 6, 2026: 2.50% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20262.50%▼ from 5.00%
  • Sep 30, 20265.00%first recorded
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
325 Lisbon St
Lisbon, ME 04250 6865
Ultimate Checking Accounts
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $100,000.00 and over; No monthly service charge if $2,500 balance is maintained; Dividends are paid monthly on the average daily balance

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
325 Lisbon St
Lisbon, ME 04250 6865
Ultimate Checking Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $50,000.00-$99,999.99; No monthly service charge if $2,500 balance is maintained; Dividends are paid monthly on the average daily balance

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
252 Main St
Saco, ME 04072
Mutual Interest Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $250,000 or more

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 13, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
252 Main St
Saco, ME 04072
Mutual Interest Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 13, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
252 Main St
Saco, ME 04072
Mutual Interest Checking
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 24, 2026: 0.15% APYSep 24, 2026Oct 13, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
252 Main St
Saco, ME 04072
Mutual Interest Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $2,500 - $24,999.99

Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 13, 2026
Saco & Biddeford Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
252 Main St
Saco, ME 04072
Mutual Interest Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $0 - $2,499.99

Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Katahdin Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
11 Main St
Patten, ME 04765
Preferred Interest Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $1,500.00 +

Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Oct 13, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
177 Main St
Farmington, ME 04938
Benefit Plus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1000 Lisbon St
Lewiston, ME 04240 5721
Advantage Plus Checking (3)
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifications Required: Requires direct deposit & $10,000 in savings balances

Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.79%
375 Main St
Gorham, ME 04038 1336
Platinum Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

All balances if qualifications not met

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
13 Elm St
Skowhegan, ME 04976
Integrity Plus Checking
0.04%
$50
▼
Rate0.04%
Min Deposit$50
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $10,000 & Above

Rate History
No change since Sep 19, 2026 · 0.04% APY · checked 7 times
0.00%0.27%0.54%Sep 19, 2026: 0.04% APYSep 19, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1000 Lisbon St
Lewiston, ME 04240 5721
Advantage Plus Checking (2)
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifications Required: Requires direct deposit & $10,000 in savings balances

Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Sep 20, 2026: 0.03% APYSep 20, 2026Oct 13, 2026
Rockland Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
582 Main St
Rockland, ME 04841
RSB Interest Checking
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min BalanceN/A
UpdatedOct 12, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 13, 2026
Skowhegan Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
13 Elm St
Skowhegan, ME 04976
Integrity Plus Checking
0.02%
$50
▼
Rate0.02%
Min Deposit$50
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $50.00 - $9,999.99

Rate History
No change since Sep 27, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Sep 27, 2026: 0.02% APYSep 27, 2026Oct 13, 2026
Eagle Bank Everett, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
65 Portland Rd
Kennebunk, ME 04043
NOW Interest Checking
0.02%
$50
▼
Rate0.02%
Min Deposit$50
Min BalanceN/A
UpdatedOct 11, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 8 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1000 Lisbon St
Lewiston, ME 04240 5721
Value Plus Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

$3.00 Monthly fee if average balance falls below $100.00

Rate History
No change since Sep 12, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 12, 2026: 0.02% APYSep 12, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1000 Lisbon St
Lewiston, ME 04240 5721
Advantage Plus Checking
0.02%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Minimum Dividend Balance: $1,000.00

Rate History
No change since Oct 12, 2026 · 0.02% APY
0.00%0.26%0.52%Oct 12, 2026: 0.02% APYOct 12, 2026Oct 13, 2026
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1000 Lisbon St
Lewiston, ME 04240 5721
Advantage Plus Checking (1)
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifications Required: Requires direct deposit & $10,000 in savings balances

Rate History
No change since Sep 12, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 12, 2026: 0.02% APYSep 12, 2026Oct 13, 2026
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
104 Main St
Kennebunk, ME 04043
Interest Bearing Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: Tier 2 ($500.00 and above)

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 7 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Katahdin Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
11 Main St
Patten, ME 04765
Preferred Interest Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $0.01 - $1,499.99

Rate History
No change since Sep 8, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 8, 2026: 0.01% APYSep 8, 2026Oct 13, 2026
Katahdin Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
11 Main St
Patten, ME 04765
Direct Interest Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

No additional details provided.

Rate History
No change since Sep 8, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 8, 2026: 0.01% APYSep 8, 2026Oct 13, 2026
NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
5 Widgery Wharf Fl 3
Portland, ME 04101
Classic Interest Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance Tier: Tier 1 - Average daily balance $100 < $2,500

Rate History
No change since Oct 7, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 7, 2026: 0.01% APYOct 7, 2026Oct 13, 2026

Maine Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
977 Union St
Bangor, ME 04401
Kasasa Cash Checking - REALLY High Rewards
5.50%
$0
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required: 28 debit card purchases post and settle; Be enrolled and receive e-statements; Be enrolled and access digital banking; At least 1 automatic payment (ACH) post and settle, such as payroll direct deposit or bill pay; Balance: $0 - $15,000; Qualifying balance up to $15,000.00; Rates effective as of October 1, 2026

Rate History
No change since Oct 13, 2026 · 5.50% APY
5.00%5.50%6.00%Oct 13, 2026: 5.50% APYOct 13, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Kasasa Cash Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $15,000

Rate History
No change since Sep 30, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 30, 2026: 5.00% APYSep 30, 2026Oct 13, 2026
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
557 Main St
South Portland, ME 04106 5408
Free Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Domestic ATM fees reimbursed up to $25 when qualifications are met; Dividends compounded and credited monthly

Rate History
1 change since Oct 8, 2026 · 0.05% → 4.07% ▲ 4.02 pts · high 4.07% / low 0.05%
0.00%4.05%8.09%Oct 8, 2026: 0.05% APYOct 12, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20264.07%▲ from 0.05%
  • Oct 8, 20260.05%first recorded
University Credit Union Orono, ME
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
977 Union St
Bangor, ME 04401
Kasasa Cash Checking - High Rewards
4.01%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifications Required; Balance: $0 - $15,000; Qualifying balance up to $15,000

Rate History
No change since Oct 13, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 13, 2026: 4.01% APYOct 13, 2026Oct 13, 2026
Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.06%
144 Pine St
Lewiston, ME 04240
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: 0 - $10,000; Qualifying balance up to $10,000.00; Kasasa Accounts do not have a minimum balance requirement to earn dividends; variable dividend rate and variable APY; fees could reduce earnings

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.79%
375 Main St
Gorham, ME 04038 1336
Platinum Rewards Checking
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
New Dimensions Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.75%
61 Grove St
Waterville, ME 04901
Kasasa Cash Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Qualifying balance up to $15,000; APY is a blended rate (2.50% - 0.59%) based on $100,000 balance; rate drops to .25% over $15,000

Rate History
No change since Oct 13, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Kasasa Cash Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $15,000

Rate History
1 change since Sep 30, 2026 · 5.00% → 2.50% ▼ 2.50 pts · high 5.00% / low 2.50%
0.00%3.75%7.50%Sep 30, 2026: 5.00% APYOct 6, 2026: 2.50% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20262.50%▼ from 5.00%
  • Sep 30, 20265.00%first recorded
Maine Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
100 Minot Ave
Auburn, ME 04210
207 Rewards Checking
0.05%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $10,000.00 or more

Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Kasasa Cash Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

All balances if qualifications not met

Rate History
1 change since Sep 30, 2026 · 2.50% → 0.05% ▼ 2.45 pts · high 2.50% / low 0.05%
0.00%2.48%4.95%Sep 30, 2026: 2.50% APYOct 6, 2026: 0.05% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20260.05%▼ from 2.50%
  • Sep 30, 20262.50%first recorded
CASCO Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.79%
375 Main St
Gorham, ME 04038 1336
Platinum Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

All balances if qualifications not met

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
100 Minot Ave
Auburn, ME 04210
207 Rewards Checking
0.02%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $1.00 to $9,999.99

Rate History
No change since Sep 24, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Sep 24, 2026: 0.02% APYSep 24, 2026Oct 13, 2026
Partners Bank of New England
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
900 Main St
Sanford, ME 04073
Golden Rewards Ultimate Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $2,500+

Rate History
No change since Sep 7, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Sep 7, 2026: 0.02% APYSep 7, 2026Oct 13, 2026

Maine Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
557 Main St
South Portland, ME 04106 5408
Free Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Domestic ATM fees reimbursed up to $25 when qualifications are met; Dividends compounded and credited monthly

Rate History
1 change since Oct 8, 2026 · 0.05% → 4.07% ▲ 4.02 pts · high 4.07% / low 0.05%
0.00%4.05%8.09%Oct 8, 2026: 0.05% APYOct 12, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20264.07%▲ from 0.05%
  • Oct 8, 20260.05%first recorded
Lisbon Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
325 Lisbon St
Lisbon, ME 04250 6865
Basic - "On The Move" - free4ME Checking Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

No minimum balance to open account; Minimum balance $.01 to earn dividends; No monthly service charge if $300 balance is maintained; Dividends are paid monthly on the average daily balance

Rate History
No change since Oct 13, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 13, 2026: 0.05% APYOct 13, 2026Oct 13, 2026

Maine Student Checking Rates

No Student accounts found at this time.

Maine Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
43 High St
Caribou, ME 04736
Now Business Checking Business
1.02%
$50
▼
Rate1.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $100,000 & Over

Rate History
No change since Sep 14, 2026 · 1.02% APY · checked 6 times
0.52%1.02%1.52%Sep 14, 2026: 1.02% APYSep 14, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
43 High St
Caribou, ME 04736
Now Business Checking Business
0.66%
$50
▼
Rate0.65%
Min Deposit$50
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 0.66% APY · checked 6 times
0.16%0.66%1.16%Sep 14, 2026: 0.66% APYSep 14, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Premium Business Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $100,000 and over

Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 30, 2026: 0.50% APYSep 30, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
43 High St
Caribou, ME 04736
Now Business Checking Business
0.36%
$50
▼
Rate0.35%
Min Deposit$50
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 0.36% APY · checked 6 times
0.00%0.43%0.86%Sep 14, 2026: 0.36% APYSep 14, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Premium Business Checking Business
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 30, 2026: 0.30% APYSep 30, 2026Oct 13, 2026
Aroostook County FS&L Assoc.
Institution Rating:
A+5.0 ★ Texas Ratio: 5.38%
43 High St
Caribou, ME 04736
Now Business Checking Business
0.20%
$50
▼
Rate0.20%
Min Deposit$50
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: Under $10,000

Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Premium Business Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $25,000 - $49,999.99

Rate History
No change since Sep 30, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 30, 2026: 0.20% APYSep 30, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
100 Minot Ave
Auburn, ME 04210
Interest Business Checking Business
0.15%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $100,000.00 to $249,999.99

Rate History
No change since Sep 27, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 27, 2026: 0.15% APYSep 27, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
100 Minot Ave
Auburn, ME 04210
Interest Business Checking Business
0.10%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $25,000.00 to $49,999.99

Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 27, 2026: 0.10% APYSep 27, 2026Oct 13, 2026
Atlantic Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
55 Cushing ST
Brunswick, ME 04011
Premium Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: Up to $24,999.99

Rate History
No change since Sep 30, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 30, 2026: 0.10% APYSep 30, 2026Oct 13, 2026
Maine Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
100 Minot Ave
Auburn, ME 04210
Interest Business Checking Business
0.05%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $1.00 to $9,999.99

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 13, 2026
Downeast Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.37%
23 Third Ave
Baileyville, ME 04694
Commercial Checking Business
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $2,500 to $49,999

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 13, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.05%
Portsmouth Naval Shipyard
Kittery, ME 03904
Business Checking Business
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $5,000+

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026

Maine Checking Rate Trends

Compare local Maine checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Maine Checking Trends
High-Yield Checking ME Avg
1.904%
▲ 0.150 vs 7 days ago

Maine high-yield checking rates rose 0.150 points over the past 7 days to 1.904% APY.

Free Checking ME Avg
0.356%
▼ 0.005 vs 7 days ago

Maine free checking rates fell 0.005 points over the past 7 days to 0.356% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Maine Checking Rate Forecast, Next 12 Months

Checking APYs move with Federal Reserve policy. Our model projects the likely path of high-yield and free checking averages from the current Maine figures.

Current High-Yield Avg
1.90%
APY, as of Oct 13, 2026
6-Month Forecast
1.95%
Fed hold assumed
12-Month Forecast
2.00%
Range: 1.75% to 2.20%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit institutions typically pass policy-rate changes through to checking APYs within 60 to 90 days. Reward and high-yield checking adjust faster than standard accounts.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

Top Checking Rates from Maine Institutions

Highest verified APYs available today, updated October 13, 2026. Advertised rates typically require qualifying monthly activity.

B Top 5 Bank Rates
Aroostook County FS&L Assoc.
Now Business Checking
A+ 5.0 ★ TX: 5.38%
Min: $50
1.02%
Maine Community Bank
Champion High-Yield Checking - High Tier
A+ 5.0 ★ TX: 4.93%
Min: $1
0.60%
Norway Savings Bank
Full Solutions Checking
A+ 5.0 ★ TX: 1.63%
Min: $0
0.50%
Saco & Biddeford Savings
Mutual Interest Checking
A+ 5.0 ★ TX: 1.18%
Min: $0
0.25%
First Federal S&L Bath
ECO Checking
A- 5.0 ★ TX: 14.93%
Min: $200
0.20%
CU Top 5 Credit Union Rates
Evergreen Credit Union Portland, ME
Rise High-Yield Checking
A 5.0 ★ TX: 9.45%
Min: $25
6.00%
University Credit Union Orono, ME
Kasasa Cash Checking - REALLY High Rewards
A+ 5.0 ★ TX: 4.73%
Min: $0
5.50%
Atlantic Regional Federal Credit Union
Kasasa Cash Checking
A+ 5.0 ★ TX: 3.78%
Min: $0
5.00%
PeoplesChoice Credit Union
HighFive Checking
A 5.0 ★ TX: 8.22%
Min: $0
5.00%
Town & Country Federal Credit Union
Free Rewards Checking
A+ 5.0 ★ TX: 3.00%
Min: $0
4.07%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all checking products.
Powered byMonitorBankRates

What Your Balance Earns at ME Checking Averages

Annual interest earnings at current Maine average APYs. Advertised high-yield rates typically require qualifying monthly activity, and most accounts cap the balance that earns the top rate. The calculator below models your exact balance against a cap.

Balance High-Yield Checking (1.904% APY)Monthly Earnings Free Checking (0.356% APY)Monthly Earnings
$2,500 $47.59 / year $3.97 $8.91 / year $0.74
$5,000 $95.18 / year $7.93 $17.82 / year $1.49
$10,000 $190.36 / year $15.86 $35.64 / year $2.97
$25,000 $475.90 / year $39.66 $89.10 / year $7.43
Earnings estimates assume the full balance earns the average APY with qualifying requirements met every month. Actual earnings depend on the account’s rate cap, base rate, and whether requirements are met. The top offers above pay well over these averages. Source: Maine checking rate averages as of October 13, 2026.
Powered byMonitorBankRates
34
Institutions with Checking Rates
Available in Maine
14 Banks 20 Credit Unions

About Our Maine Checking Rate Database

MonitorBankRates tracks checking account rates from 14 banks and 20 credit unions offering checking accounts to Maine residents, spanning high-yield, rewards, free, student, and business checking from community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Evergreen Credit Union Portland, ME offers a checking account at 6.00% APY with a minimum deposit of $25. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in Maine

What to compare when shopping for an interest-bearing checking account in Maine

To find the best checking APYs in Maine, start with credit unions and online-only banks: Maine has 20 credit unions in our database, and they dominate the high-yield and rewards checking market because they have lower overhead than traditional branch networks and use high rates to win your primary banking relationship.

Read the qualifying requirements before you’re drawn in by the headline rate. Most high-yield checking accounts require 10 to 15 debit card transactions per month, a direct deposit or ACH transfer, and e-statements. Miss them in a given month and you earn a near-zero base rate instead. Also check the balance cap: the advertised APY usually applies only up to $10,000 to $25,000. The current ME high-yield checking average is 1.904% but top institutions serving Maine are offering as high as 6.00%, so shopping around pays off.

Finally, weigh fees and access: a monthly maintenance fee can erase a year of interest on a modest balance, and out-of-network ATM fees add up fast. The best accounts pair a high rate with no monthly fee and nationwide ATM access or ATM-fee reimbursement.

When High-Yield Checking Makes Sense

  • You already use a debit card regularly: the transaction requirements cost you nothing extra
  • Your everyday balance sits under the account’s rate cap, so your whole balance earns the top APY
  • You want your spending money earning savings-level interest instead of 0%
  • You prefer banking locally: 34 institutions serving Maine report checking rates to our database

Consider an Alternative If…

  • Your balance is well above the rate cap: Maine savings rates or money market rates for the excess
  • You won’t reliably meet the monthly activity requirements: a no-strings high-yield savings account earns more
  • You have money you won’t touch for a set period: Maine CD rates lock in a guaranteed return

Maine Financial Snapshot

Local demographics and economic context for account holders. Source: U.S. Census Bureau

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%
Checking Earnings on 10% of Salary
$85/yr
At ME HY checking avg 1.904% APY

At today’s ME high-yield checking average of 1.904%, keeping 10% of the local median salary ($4,448) in a high-yield checking account would earn $85 annually, money a 0% traditional checking account leaves on the table. The top offers above pay even more.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

High-Yield Checking vs. Other Maine Options

How interest-bearing checking accounts compare to the other deposit products available at banks and credit unions in Maine.

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current ME Avg APY 1.904% 0.356% View Savings Rates View MMA Rates
Monthly Activity Required ✗ Usually yes (debit + direct deposit) ✓ None ✓ None ✓ None
Balance Cap on Top Rate Common ($10K, $25K) Little or no interest paid ✓ Rarely Tiered: higher balances earn more
FDIC / NCUA Insured ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K
Checks & Debit Card ✓ Unlimited ✓ Unlimited ✗ No ✓ Limited per month
Best For Everyday spending money that also earns Simple no-fee banking, modest balances Emergency fund, larger balances Larger balances wanting some check access

APY data reflects Maine averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Maine Checking Account Interest Calculator

See what an interest-bearing checking account earns on your everyday balance. Most high-yield accounts only pay the advertised APY up to a balance cap. Enter the cap to see the real number, or leave it at 0 for uncapped accounts. Click any current Maine rate on the right to apply it. Interest compounds monthly.

Interest Earned
$0
Balance Earning Top Rate
$0
Ending Balance
$0

Assumes monthly compounding, qualifying requirements met every cycle, and that balances above the cap earn 0%. Checking rates are variable and can change at any time. Estimates are for informational purposes only.

Current Maine Checking Rates

Verified October 13, 2026 · click a rate to use it
Rates shown are actual verified offers available in Maine and daily averages from our monitoring database. Check each account’s qualifying requirements and rate cap, then model them here. See the full tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Maine checking 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 Checking Rate Data: We aggregate checking account rates for Maine directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Maine. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in ME.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Maine earn interest?

Most traditional local checking accounts in Maine earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Maine FDIC insured?

Yes. Legitimate banks with branches in Maine are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

What do I need to do to qualify for a high-yield checking rate in Maine?

Most high-yield and rewards checking accounts require qualifying activity each month, typically 10 to 15 debit card transactions, at least one direct deposit or ACH transfer, and e-statement enrollment. Miss the requirements in a given month and the account usually pays a nominal base rate for that cycle instead of the advertised APY.

Is there a limit on how much of my balance earns the top rate?

Usually, yes. Most high-yield checking accounts pay their advertised APY only on balances up to a cap, commonly $10,000 to $25,000. Amounts above the cap earn a much lower rate, often near 0%. Use the calculator above to model your exact balance against a rate cap.

How do I open a checking account in Maine?

You can open a checking account online or in person at a local branch. You will generally need a government-issued photo ID, your Social Security number, and an opening deposit. Many high-yield checking accounts have low or no minimum opening deposits.

Best Checking Rates in Maine

Based on our current data, some of the highest checking account APYs available to residents of Maine include:
  • Evergreen Credit Union Portland, ME
    Rise High-Yield Checking: 6.00% APY
  • University Credit Union Orono, ME
    Kasasa Cash Checking - REALLY High Rewards: 5.50% APY
  • Atlantic Regional Federal Credit Union
    Kasasa Cash Checking: 5.00% APY
  • PeoplesChoice Credit Union
    HighFive Checking: 5.00% APY
  • Town & Country Federal Credit Union
    Free Rewards Checking: 4.07% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Maine. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: October 13, 2026

Maine Rates & Resources

Checking Account Rates by City in Maine

  • Abbot
  • Acton
  • Addison
  • Albion
  • Alfred
  • Alna
  • Andover
  • Anson
  • Ashland
  • Athens
  • Auburn
  • Augusta
  • Aurora
  • Bailey Island
  • Baileyville
  • Bangor
  • Bar Harbor
  • Bar Mills
  • Bass Harbor
  • Bath
  • Bayville
  • Beals
  • Belfast
  • Belgrade
  • Belgrade Lakes
  • Benedicta
  • Bernard
  • Berwick
  • Bethel
  • Biddeford
  • Biddeford Pool
  • Bingham
  • Birch Harbor
  • Blaine
  • Blue Hill
  • Blue Hill Falls
  • Boothbay
  • Boothbay Harbor
  • Bowdoin
  • Bowdoinham
  • Bradford
  • Bradley
  • Bremen
  • Brewer
  • Bridgewater
  • Bridgton
  • Bristol
  • Brooklin
  • Brooks
  • Brooksville
  • Brookton
  • Brownfield
  • Brownville
  • Brownville Junction
  • Brunswick
  • Bryant Pond
  • Buckfield
  • Bucksport
  • Burlington
  • Burnham
  • Bustins Island
  • Calais
  • Cambridge
  • Camden
  • Canaan
  • Canton
  • Cape Elizabeth
  • Cape Neddick
  • Cape Porpoise
  • Caratunk
  • Cardville
  • Caribou
  • Carmel
  • Cary
  • Casco
  • Castine
  • Center Lovell
  • Chamberlain
  • Charleston
  • Chebeague Island
  • Cherryfield
  • China
  • Clayton Lake
  • Cliff Island
  • Clinton
  • Columbia Falls
  • Coopers Mills
  • Corea
  • Corinna
  • Corinth
  • Cornish
  • Costigan
  • Cranberry Isles
  • Crouseville
  • Cumberland Center
  • Cumberland Foreside
  • Cushing
  • Cutler
  • Damariscotta
  • Danforth
  • Danville
  • Deer Isle
  • Denmark
  • Dennysville
  • Detroit
  • Dexter
  • Dixfield
  • Dixmont
  • Dover Foxcroft
  • Dresden
  • Dryden
  • Durham
  • Eagle Lake
  • East Andover
  • East Baldwin
  • East Blue Hill
  • East Boothbay
  • East Dixfield
  • East Livermore
  • East Machias
  • East Millinocket
  • East Newport
  • East Orland
  • East Parsonfield
  • East Poland
  • East Vassalboro
  • East Waterboro
  • East Wilton
  • East Winthrop
  • Easton
  • Eastport
  • Eddington
  • Edgecomb
  • Eliot
  • Ellsworth
  • Estcourt Station
  • Etna
  • Eustis
  • Exeter
  • Fairfield
  • Falmouth
  • Farmingdale
  • Farmington
  • Farmington Falls
  • Fort Fairfield
  • Fort Kent
  • Fort Kent Mills
  • Frankfort
  • Franklin
  • Freedom
  • Freeport
  • Frenchboro
  • Frenchville
  • Friendship
  • Fryeburg
  • Gardiner
  • Garland
  • Georgetown
  • Glen Cove
  • Gorham
  • Gouldsboro
  • Grand Isle
  • Grand Lake Stream
  • Gray
  • Greene
  • Greenville
  • Greenville Junction
  • Guilford
  • Hallowell
  • Hampden
  • Hancock
  • Hanover
  • Harborside
  • Harmony
  • Harpswell
  • Harrington
  • Harrison
  • Hartland
  • Hebron
  • Hinckley
  • Hiram
  • Holden
  • Hollis Center
  • Hope
  • Houlton
  • Howland
  • Hudson
  • Hulls Cove
  • Island Falls
  • Isle Au Haut
  • Isle Of Springs
  • Islesboro
  • Islesford
  • Jackman
  • Jay
  • Jefferson
  • Jonesboro
  • Jonesport
  • Kenduskeag
  • Kennebunk
  • Kennebunkport
  • Kents Hill
  • Kingfield
  • Kingman
  • Kittery
  • Kittery Point
  • Lagrange
  • Lambert Lake
  • Lebanon
  • Lee
  • Leeds
  • Levant
  • Lewiston
  • Liberty
  • Limerick
  • Limestone
  • Limington
  • Lincoln
  • Lincolnville
  • Lincolnville Center
  • Lisbon
  • Lisbon Falls
  • Litchfield
  • Little Deer Isle
  • Livermore
  • Livermore Falls
  • Locke Mills
  • Long Island
  • Lovell
  • Lubec
  • Machias
  • Machiasport
  • Madawaska
  • Madison
  • Manchester
  • Manset
  • Mapleton
  • Mars Hill
  • Masardis
  • Matinicus
  • Mattawamkeag
  • Mechanic Falls
  • Meddybemps
  • Medway
  • Merepoint
  • Mexico
  • Milbridge
  • Milford
  • Millinocket
  • Milo
  • Minot
  • Monhegan
  • Monmouth
  • Monroe
  • Monson
  • Monticello
  • Moody
  • Morrill
  • Mount Desert
  • Mount Vernon
  • Naples
  • New Gloucester
  • New Harbor
  • New Limerick
  • New Portland
  • New Sharon
  • New Sweden
  • New Vineyard
  • Newagen
  • Newcastle
  • Newfield
  • Newport
  • Newry
  • Nobleboro
  • Norridgewock
  • North Anson
  • North Berwick
  • North Bridgton
  • North Haven
  • North Jay
  • North Monmouth
  • North New Portland
  • North Turner
  • North Vassalboro
  • North Waterboro
  • North Waterford
  • North Yarmouth
  • Northeast Harbor
  • Norway
  • Oakfield
  • Oakland
  • Ocean Park
  • Ogunquit
  • Olamon
  • Old Orchard Beach
  • Old Town
  • Oquossoc
  • Orient
  • Orland
  • Orono
  • Orrington
  • Orrs Island
  • Otter Creek
  • Owls Head
  • Oxbow
  • Oxford
  • Palermo
  • Palmyra
  • Paris
  • Parsonsfield
  • Passadumkeag
  • Patten
  • Peaks Island
  • Pemaquid
  • Pembroke
  • Penobscot
  • Perham
  • Perry
  • Peru
  • Phillips
  • Phippsburg
  • Pittsfield
  • Plymouth
  • Poland
  • Port Clyde
  • Portage
  • Porter
  • Portland
  • Pownal
  • Presque Isle
  • Princeton
  • Prospect Harbor
  • Quimby
  • Randolph
  • Rangeley
  • Raymond
  • Readfield
  • Richmond
  • Robbinston
  • Rockland
  • Rockport
  • Rockwood
  • Round Pond
  • Roxbury
  • Rumford
  • Rumford Center
  • Sabattus
  • Saco
  • Saint Agatha
  • Saint Albans
  • Saint David
  • Saint Francis
  • Saint George
  • Salsbury Cove
  • Sandy Point
  • Sanford
  • Sangerville
  • Sargentville
  • Scarborough
  • Seal Cove
  • Seal Harbor
  • Searsmont
  • Searsport
  • Sebago
  • Sebago Lake
  • Sebasco Estates
  • Sebec
  • Sedgwick
  • Shapleigh
  • Shawmut
  • Sheridan
  • Sherman Mills
  • Sherman Station
  • Shirley Mills
  • Sinclair
  • Skowhegan
  • Small Point
  • Smithfield
  • Smyrna Mills
  • Soldier Pond
  • Solon
  • Sorrento
  • South Berwick
  • South Bristol
  • South Casco
  • South China
  • South Freeport
  • South Gardiner
  • South Paris
  • South Portland
  • South Thomaston
  • South Waterford
  • South Windham
  • Southport
  • Southwest Harbor
  • Springfield
  • Springvale
  • Spruce Head
  • Squirrel Island
  • Stacyville
  • Standish
  • Steep Falls
  • Stetson
  • Steuben
  • Stillwater
  • Stockholm
  • Stockton Springs
  • Stoneham
  • Stonington
  • Stratton
  • Strong
  • Sullivan
  • Sumner
  • Sunset
  • Surry
  • Swans Island
  • Temple
  • Tenants Harbor
  • Thomaston
  • Thorndike
  • Topsfield
  • Topsham
  • Trevett
  • Troy
  • Turner
  • Turner Center
  • Union
  • Unity
  • Van Buren
  • Vanceboro
  • Vassalboro
  • Vienna
  • Vinalhaven
  • Waite
  • Waldoboro
  • Walpole
  • Warren
  • Washburn
  • Washington
  • Waterboro
  • Waterford
  • Waterville
  • Wayne
  • Weld
  • Wells
  • Wesley
  • West Baldwin
  • West Bethel
  • West Boothbay Harbor
  • West Buxton
  • West Enfield
  • West Farmington
  • West Forks
  • West Kennebunk
  • West Minot
  • West Newfield
  • West Paris
  • West Poland
  • West Rockport
  • West Tremont
  • Westbrook
  • Westfield
  • Whitefield
  • Whiting
  • Wilton
  • Windham
  • Windsor
  • Winn
  • Winter Harbor
  • Winterport
  • Winterville
  • Winthrop
  • Wiscasset
  • Woolwich
  • Wytopitlock
  • Yarmouth
  • York
  • York Beach
  • York Harbor