Lewiston, Maine Savings Rates for October 2026
Brian McKay
Brian McKay
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Lewiston, Maine savings account rates range from 0.01% to 4.00% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Lewiston, Maine and the surrounding area include Camden National BankCamden National Bank993 Lisbon St, Lewiston, ME 04240A+5.0 ★Texas Ratio: 1.50%Real return: -0.60%APY minus 3.7% CPIRate verified Oct 31, 2026 High-Yield Savings Accounts at 3.10% APY, Lisbon Community Federal Credit UnionLisbon Community Federal Credit Union802 Sabattus St, Lewiston, ME 04240A+5.0 ★Texas Ratio: 0.93%Real return: -1.17%APY minus 3.7% CPIRate verified Oct 29, 2026 IRA Share Accounts at 2.53% APY, Auburn Savings BankAuburn Savings Bank325 Sabattus St, Lewiston, ME 04240A4.6 ★Texas Ratio: 0.31%Real return: -1.45%APY minus 3.7% CPIRate verified Oct 26, 2026 Health Savings Account at 2.25% APY, Maine Community BankMaine Community Bank664 Main St, Lewiston, ME 04240A+5.0 ★Texas Ratio: 4.93%Real return: -1.63%APY minus 3.7% CPIRate verified Oct 26, 2026 207 Savings at 2.07% APY, and Maine Family Federal Credit UnionMaine Family Federal Credit Union555 Sabattus St, Lewiston, ME 04240A+5.0 ★Texas Ratio: 1.43%Real return: -1.70%APY minus 3.7% CPIRate verified Oct 28, 2026 Health Savings Accounts at 2.00% APY.
Lewiston has 56 local institutions in our database, with savings rates as high as 3.10% APY from Camden National Bank at 993 Lisbon St, Lewiston, ME 04240. Use the table below to compare all available offers, including options from institutions serving the broader Maine area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lewiston, Maine and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Lewiston, Maine & Surrounding Communities
Balance: $250,000+; Requires $25 deposit to open; Rates updated as of April 22, 2026
Balance: $250,000+; Minimum opening balance of $100.00 required; new money only; requires Camden National Bank business checking account
Balance: $2,500-$249,999; Requires $25 deposit to open; Rates updated as of April 22, 2026
Balance: $100,000.00 and over; No annual fee; Dividends paid monthly on the average daily balance
Balance: $100,000.00 to $249,999.99; Minimum opening balance of $100.00 required; new money only; requires Camden National Bank business checking account
Balance: $50,000.00-$99,999.99; No annual fee; Dividends paid monthly on the average daily balance
Annual Percentage Yield.
Balance: $1.00 to $249,999.99
Balance: $20,000.00-$49,999.99; No annual fee; Dividends paid monthly on the average daily balance
Balance: $0.00 to $99,999.99; Minimum opening balance of $100.00 required; new money only; requires Camden National Bank business checking account
Balance: $250,000.00 or more
Rates effective as of 9/30/2026
Balance: $100.00-$19,999.99; No annual fee; Dividends paid monthly on the average daily balance
Balance: $100,000.00 to $249,999.99
Balance: 0 - $15,000; Qualifying balance up to $15,000.00
Balance: $1.00 or more
Balance: $25,000 - $49,999.99
Balance: $10,000 - $24,999.99
Balance: $25,000.00 to $49,999.99
Share Accounts
Balance: $5,000 - $9,999.99
- Sep 25, 20260.15%▼ from 0.25%
- Sep 12, 20260.25%first recorded
Balance: $10,000.01 and over; Variable dividend rate and variable APY
Share Draft Checking Accounts; Monthly fee if balance falls below minimum balance: $5.00
Balance: $25,000.00+
Balance: $0.00 - $4,999.99
Balance: $25,000.00 to $49,999.99
Balance: $1.00 to $9,999.99
Minimum balance to earn APY: $25.00 minimum; Dividends paid monthly on average daily balance; Dividend rates may change after account is opened; Fees may reduce earnings
Balance: $5,000.01 - $10,000; Variable dividend rate and variable APY
Balance: $100,000.00+
Balance: $25 - $999.99
Balance: 0 - $999.99; Under age 18 to be eligible; adult co-owner required for minors under 16
Balance: $0.00 - $2,499.99; 6-month bonus rate; blended APY; Offer Code VRMA0926; requires growing balance by $5,000
Balance: $0.00 - $2,499.99; 6-month bonus rate; Offer Code VRMB1026; requires growing relationship or liquid balance by $25,000; standard or relationship rates apply after 6 months; rate may vary by booking location
Balance: $100,000.00 and higher
Balance: $25,000.00 - $99,999.99
Balance: $0.00 - $4,999.99
Balance: $1.00 to $2,499.99
Rates effective as of 9/30/2026
Balance: $100 - $1,000; Minimum balance to earn the APY is $100; Variable dividend rate and variable APY
Balance: $25,000.00 - $99,999.99
Shares/Club; Minimum balance to open the account and earn the APY is $5 for Shares; closed within the first 6 months subject to a closing account fee
Balance: $0.01 - $4,999.99
Balance: $0.01 - $2,499; requires new money not deposited at Camden National Bank; requires individual with existing personal checking account or one opened at same time; offer for new accounts opened on or after 9/18/2025
Balance: $0.00 - $24,999.99
Balance: $0.00 - $4,999.99
Balance: 0 - $24.99
Balance: 0 - $4,999.99
Balance: $250,000.00 or more
Rates effective as of 9/30/2026
Balance: $250,000 - $499,999
Balance: $250,000.00 and over; Requires $2,500 deposit to open; 50% of opening deposit must be new money; Not available for IRAs; Available to Maine and New Hampshire residents only
- Oct 14, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Balance: $5,000,000 - $9,999,999.99; Fees may reduce earnings on this account.
- Oct 3, 20263.55%▲ from 3.30%
- Sep 24, 20263.30%first recorded
Balance: $0.01 - $249,999.99; Requires $2,500 deposit to open; 50% of opening deposit must be new money; Not available for IRAs; Available to Maine and New Hampshire residents only
- Oct 14, 20263.50%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Qualifications Required; Balance: $250,000 - $499,999.99
- Oct 28, 20263.20%▲ from 3.00%
- Sep 30, 20263.00%first recorded
Balances up to $2,500; Balance: up to $2,500; Limited to members 18 years old or younger; Fees could reduce APY earnings
- Oct 4, 20262.90%▲ from 2.75%
- Sep 25, 20262.75%first recorded
Balance: $100,000.01 & Over
Balance: $75,000.01+; Dividend rate is paid based on the aggregate balance method
- Oct 9, 20262.78%▲ from 2.63%
- Sep 14, 20262.63%first recorded
Qualifications Required; Balance: $0 - $249,999.99
- Oct 28, 20262.70%▲ from 2.50%
- Sep 30, 20262.50%first recorded
Balance: $50,000.00 and over; Dividends compounded and credited monthly; Balance Method: Average Daily
Balance: $250,000.01 and over; Tiered blended-rate account; No maturity dates or fees
Balance: $20,00.01- - $75,000 (as printed); Dividend rate is paid based on the aggregate balance method
- Oct 13, 20262.53%▲ from 2.43%
- Oct 5, 20262.43%first recorded
Balance: $100,000 - $249,999
Balance: $25 - $20,000; Dividend rate is paid based on the aggregate balance method
- Oct 9, 20262.27%▲ from 2.22%
- Sep 14, 20262.22%first recorded
Balance: $15,000.00 to $49,999.99; Dividends compounded and credited monthly; Balance Method: Average Daily
Balance: $50,000.01-$100,000.00
Balance: $0.00 to $14,999.99; Dividends compounded and credited monthly; Balance Method: Average Daily
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Lewiston, ME Savings Rate Trends
Compare local Lewiston, ME savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Maine high-yield savings rates rose 0.011 points over the past 7 days to 1.761% APY, up from 1.750%.
Maine standard savings rates fell 0.004 points over the past 7 days to 0.152% APY, down from 0.156%.
Lewiston, Maine Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current ME high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current ME high-yield savings average of 1.761% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
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 rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
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 in Lewiston, Maine.
Savings Account Earnings in Lewiston, Maine
Annual interest earnings at current ME average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.761% APY) | Monthly Earnings | Standard Savings (0.152% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $88.06 / year | $7.34 | $7.59 / year | $0.63 |
| $10,000 | $176.11 / year | $14.68 | $15.17 / year | $1.26 |
| $25,000 | $440.28 / year | $36.69 | $37.93 / year | $3.16 |
| $50,000 | $880.55 / year | $73.38 | $75.85 / year | $6.32 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Lewiston, Maine savings rate averages as of October 31, 2026. | ||||
About Our Lewiston, Maine Savings Rate Database
MonitorBankRates found 11 institutions with branches in Lewiston (6 banks, 5 credit unions), plus 10 additional state-chartered and national online institutions available to Lewiston residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Camden National Bank offers a savings account at 3.10% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Lewiston, Maine.
How to Find the Best Savings Rates in Lewiston, Maine
What to compare when shopping for a savings account in Lewiston, Maine
To find the best savings APYs in Lewiston, Maine, start with credit unions and online-only banks: Lewiston, Maine has 13 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current ME high-yield savings average is 1.761% but top local institutions are offering as high as 3.10%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Lewiston, Maine high-yield savings rates currently average 1.761% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Lewiston, Maine institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 21 institutions in Lewiston, Maine report savings rates to our database.
- You’re among Lewiston, Maine’s 18.3% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Lewiston, Maine CD rates
- You want check-writing flexibility Lewiston, Maine money market rates
- You need daily transaction access Lewiston, Maine checking rates
Lewiston, Maine Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
18.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s ME high-yield savings average of 1.761%, saving 10% of the local median salary ($3,673/year) would earn an additional $65 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Lewiston, Maine Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Lewiston, Maine.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current ME Avg APY | 1.761% | 0.152% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Lewiston, Maine averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Lewiston, Maine
At ME’s top rate of 3.10% from Camden National Bank, a $10,000 deposit earns $310 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Lewiston, Maine earner is roughly $9,200. At 1.761% APY, saving $770/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsMaine’s high-yield savings average is 1.761% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Lewiston, Maine earner makes $36,734/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.761% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.761% APY grows to roughly $35,447 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lewiston, Maine savings 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 Savings Rate Data: We aggregate savings account rates for Lewiston, Maine directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Lewiston, Maine. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in ME.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Lewiston, Maine
What are savings account rates in Lewiston, Maine today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Lewiston, Maine safe?
How often do savings rates change in Lewiston, Maine?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Lewiston, Maine?
How do I open a savings account in Lewiston, Maine?
Best Savings Rates in Lewiston, Maine
- Camden National Bank
High-Yield Savings Accounts: 3.10% APY - Lisbon Community Federal Credit Union
IRA Share Accounts: 2.53% APY - Auburn Savings Bank
Health Savings Account: 2.25% APY - Maine Community Bank
207 Savings: 2.07% APY - Maine Family Federal Credit Union
Health Savings Accounts: 2.00% APY
Lewiston, Maine Rates & Resources
