Credit union · NCUA insured
Acadia Federal Credit Union Savings Rates
Acadia Federal Credit Union’s best savings rate is 1.01% APY on $10,000, with its Acadia Star Money Market. Rates checked October 15, 2026.
How Acadia Federal Credit Union’s savings 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
1.01%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $101
Acadia Star Money Market
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Seaboard Federal Credit Union
2.90%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $290
Acadia Federal Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.01%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Acadia Star Money Market
1.01%APY
Minimum balance $2,500. Compounded daily and credited monthly. Tiered rate account where the dividend rate is based on the tier for which the balance qualifies and applies to the entire account balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $50,000Tier 1 ($2,500 - $49,999.99). Rate applies to entire account balance. Compounded daily and credited monthly. | 1.01% | $101 | Tier 1 ($2,500 - $49,999.99). Rate applies to entire account balance. Compounded daily and credited monthly. |
| $50,000 – $100,000Tier 2 ($50,000 - $99,999.99). Rate applies to entire account balance. Compounded daily and credited monthly. | 1.76% | — | Tier 2 ($50,000 - $99,999.99). Rate applies to entire account balance. Compounded daily and credited monthly. |
| $100,000 – $200,000Tier 3 ($100,000 - $199,999.99). Rate applies to entire account balance. Compounded daily and credited monthly. | 2.27% | — | Tier 3 ($100,000 - $199,999.99). Rate applies to entire account balance. Compounded daily and credited monthly. |
| $200,000 and upTier 4 ($200,000+). Rate applies to entire account balance. Compounded daily and credited monthly. | 2.53% | — | Tier 4 ($200,000+). Rate applies to entire account balance. Compounded daily and credited monthly. |
Sources (2)
All captured Oct 15, 2026
Super Saver
0.40%APY
Tiered rate account compounded daily and credited monthly. The dividend rate is based on the tier for which the balance qualifies and applies to the entire account balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $100,000Super Saver Tier I. | 0.40% | $40 | Super Saver Tier I. |
| $100,000 and upSuper Saver Tier II. | 2.27% | — | Super Saver Tier II. |
Sources (4)
- acadiafcu.org/rates
- acadiafcu.org/savings
- acadiafcu.org/savings/general-savings-accounts
- acadiafcu.org/savings/super-saver
All captured Oct 3, 2026
Custom Savings
0.15%APY
Must have a Prime Savings account. No minimum balance and no penalty for withdrawing funds.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid on a monthly basis.Any balance | 0.15% | $15 | Dividends paid on a monthly basis. |
Sources (4)
- acadiafcu.org/rates
- acadiafcu.org/savings
- acadiafcu.org/savings/custom-savings-accounts
- acadiafcu.org/savings/general-savings-accounts
All captured Oct 3, 2026
Prime Savings
0.15%APY
Minimum balance $25 must remain on deposit to maintain membership and represents share of ownership. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid on a monthly basis.$25 and up | 0.15% | $15 | Dividends paid on a monthly basis. |
Sources (4)
- acadiafcu.org/rates
- acadiafcu.org/savings
- acadiafcu.org/savings/general-savings-accounts
- acadiafcu.org/savings/prime-savings
All captured Oct 3, 2026
Special-purpose accounts
HSA Super Saver
0.40%APY
Tiered rate account compounded daily and credited monthly. The dividend rate is based on the tier for which the balance qualifies and applies to the entire account balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $100,000HSA Super Saver Tier 1. | 0.40% | $40 | HSA Super Saver Tier 1. |
| $100,000 and upHSA Super Saver Tier 2. | 2.27% | — | HSA Super Saver Tier 2. |
Sources (2)
All captured Oct 3, 2026
Coverdell Education Savings Account (ESA)
0.40%APY
Tax-free withdrawals for educational expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.40% | $40 |
Sources (3)
All captured Oct 3, 2026
Individual Retirement Account (IRA)
0.40%APY
Includes Traditional IRA, Roth IRA, and Simplified Employee Pension (SEP) IRA options. Dividends paid/compound monthly. Variable terms available. No minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional IRA, Roth IRA, and Simplified Employee Pension (SEP).Any balance | 0.40% | $40 | Applies to Traditional IRA, Roth IRA, and Simplified Employee Pension (SEP). |
Sources (3)
All captured Oct 3, 2026
Christmas Club
0.15%APY
No minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (3)
All captured Oct 3, 2026
Health Savings Account (HSA)
0.15%APY
For high-deductible health plans to save tax-free for qualified medical expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (3)
All captured Oct 3, 2026
Monty Moose
0.15%APY
Designed for kids ages 12 and under. Auto-converts to Prime Savings at age 13. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMonthly dividends earned once balance reaches $25.$25 and up | 0.15% | $15 | Monthly dividends earned once balance reaches $25. |
Sources (3)
All captured Oct 3, 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.