Credit union · NCUA insured
Acadia Federal Credit Union CD Rates
Acadia Federal Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Acadia Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bangor, ME, where Acadia Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Acadia Federal Credit Union
4.25%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $868
Share Certificate
Top rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
The County Federal Credit Union
4.49%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $564
Acadia Federal Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Acadia Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.25%APY · 7 terms
Minimum of $500 to open a share certificate. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply. Dividends are paid monthly and compound over time. No monthly fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | $178 |
| 12 months | 4.05% | $405 |
| 18 months | 4.15% | $629 |
| 24 months | 4.25% | $868 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Special-purpose accounts
IRA Share Certificate
Up to 4.25%APY · 7 terms
Penalty may be charged for early withdrawal before certificate matures. Minimum of $500 to open a share certificate. Qualification requirements must be met. Other restrictions may apply. Fixed rates and guaranteed returns.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.60% | $178 |
| 12 months | 4.05% | $405 |
| 18 months | 4.15% | $629 |
| 24 months | 4.25% | $868 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 15, 2026
Who can join Acadia Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Aroostook, Hancock, Penobscot, Piscataquis, or Washington County.
Membership information collected October 4, 2026.