Credit union · NCUA insured
Ancorum Credit Union Savings Rates
Ancorum Credit Union’s best savings rate is 2.02% APY on $10,000, with its Golden Rate Fund. Rates checked October 22, 2026.
How Ancorum Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, ME, where Ancorum Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ancorum Credit Union
2.02%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $202
Golden Rate Fund Plus
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Northeast Bank
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
Ancorum Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0002.02%
- $100,000 balance$100,0002.38%
- QualifiedQualified2.02%
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 Ancorum 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.
Golden Rate Fund
2.02%APY
Minimum withdrawal amount of $250.00. If balance drops below the minimum balance of $1,000, the account will be closed and the remaining funds transferred to the Member Savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $1,000 | 0.00% | — |
| $1,000 – $5,000 | 0.50% | — |
| $5,000 – $25,000 | 2.02% | $202 |
| $25,000 – $50,000 | 2.17% | — |
| $50,000 – $100,000 | 2.27% | — |
| $100,000 and up | 2.38% | — |
Golden Rate Fund Plus
2.02%APY
Minimum check withdrawal of $500.00. Write up to three checks per month. Penalties apply for writing checks under the minimum withdrawal amount and for exceeding three checks per month. No penalty is assessed if balance falls below $5,000, but the account will not earn dividends if balance falls below $5,000 during the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $1,000 | 0.00% | — |
| $1,000 – $5,000 | 0.00% | — |
| $5,000 – $25,000 | 2.02% | $202 |
| $25,000 – $50,000 | 2.17% | — |
| $50,000 – $100,000 | 2.27% | — |
| $100,000 and up | 2.38% | — |
Golden Rate Fund Plus
2.02%APY
Min balance $5,000 to keep account open; else closed and funds transferred to Member Savings. Min withdrawal $500. Dividends compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $1,000 | 0.00% | — |
| $1,000 – $5,000 | 0.00% | — |
| $5,000 – $25,000 | 2.02% | $202 |
| $25,000 – $50,000 | 2.17% | — |
| $50,000 – $100,000 | 2.27% | — |
| $100,000 and up | 2.38% | — |
Sources (1)
- ancorumcu.com/rates-fee-disclosure · captured Sep 19, 2026
Savings
0.05%APY
Average daily balance used for dividend calculation. Must maintain minimum balance of $5 to avoid fee and earn stated APY. Max 6 preauthorized transfers per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. | 0.00% | — | Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. |
| $100 – $1,000Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. |
| $1,000 – $5,000Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. |
| $5,000 – $25,000Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. | 0.05% | $5 | Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. |
| $25,000 – $50,000Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. |
| $50,000 – $100,000Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. |
| $100,000 and upDividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $5. Min balance for no fee $5. |
Special-purpose accounts
SHIP Account
1.00%APY
Shareholder's Investment Program 90-day notice account. Requires 90 days written notice prior to withdrawal; early withdrawal penalty equals 90 days dividends on the amount withdrawn. Also available as HSA SHIP and IRA SHIP.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and credited monthly. Min opening balance $5.00. 90-day written notice required for withdrawal.Over $0 | 1.00% | $100 | Dividends compounded and credited monthly. Min opening balance $5.00. 90-day written notice required for withdrawal. |
Sources (3)
All captured Sep 19, 2026
Christmas Club
0.05%APY
The entire balance is transferred to another account on or after October 1, and the account remains open. A $5.00 penalty is assessed for each withdrawal made before the end of the club term.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.00% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $100 – $1,000Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $1,000 – $5,000Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $5,000 – $25,000Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | $5 | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $25,000 – $50,000Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $50,000 – $100,000Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $100,000 and upDividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
Health Savings Account (HSA)
0.05%APY
Must be covered by a qualified High Deductible Health Plan (HDHP) and not Medicare or another health insurance carrier. Contributions, earnings, and withdrawals for qualified medical distributions are tax-free.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and credited monthly. Min opening balance $0.Over $0 | 0.05% | $5 | Dividends compounded and credited monthly. Min opening balance $0. |
IRA Savings
0.05%APY
Individual account for retirement savings; no joint account holder permitted (beneficiaries allowed). Traditional and Roth options available. $20.00 annual fee applies to Individual Retirement Accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends compounded and credited monthly. Min opening balance $0. Individual Retirement Accounts have a $20.00 annual fee.Over $0 | 0.05% | $5 | Dividends compounded and credited monthly. Min opening balance $0. Individual Retirement Accounts have a $20.00 annual fee. |
Savings Club
0.05%APY
Account for special savings needs such as taxes, vacations, down payments. No minimum balance. Rate table shared with Christmas Club.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.00% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $100 – $1,000Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $1,000 – $5,000Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $5,000 – $25,000Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | $5 | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $25,000 – $50,000Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $50,000 – $100,000Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
| $100,000 and upDividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. | 0.05% | — | Dividends compounded and credited monthly. Min opening balance $0. Min balance for no fee $0. |
Who can join Ancorum Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who works, resides, or worships in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Penobscot, Piscataquis, Sagadahoc, Somerset, or Waldo County is eligible for membership.
Employers and groups
- Employees of Ancorum Credit Union are eligible for membership.
Family and household
- Relatives of existing members are eligible for membership.
Cost to join
- Membership is established with a minimum balance Savings Account deposit of $5.
Membership information collected October 4, 2026.