Credit union · NCUA insured
Bangor Federal Credit Union CD Rates
Top CarrotBangor Federal Credit Union’s best CD rate is 4.23% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Bangor Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bangor, ME, where Bangor Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bangor Federal Credit Union
4.07%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,208
Share Certificates
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
Bangor Federal Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.86%
- 16–30 months16–30 mo3.92%
- 31–60 months31–60 mo4.07%
- QualifiedQualified4.07%
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 Bangor 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.
Jumbo Share Certificates
Up to 4.23%APY · 7 terms
Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.97% | $197 |
| 12 months | 4.02% | $402 |
| 18 months | 4.07% | $617 |
| 24 months | 4.07% | $831 |
| 36 months | 4.13% | $1,291 |
| 48 months | 4.18% | $1,780 |
| 60 months | 4.23% | $2,302 |
Sources (2)
All captured Oct 15, 2026
Share Certificates
Up to 4.07%APY · 7 terms
Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.82% | $189 |
| 12 months | 3.86% | $386 |
| 18 months | 3.92% | $594 |
| 24 months | 3.92% | $799 |
| 36 months | 3.97% | $1,239 |
| 48 months | 4.02% | $1,708 |
| 60 months | 4.07% | $2,208 |
Sources (2)
All captured Oct 15, 2026
Super Saver Certificate
2.78%APY · 1 term
Not available for IRA or Coverdell. Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.78% | $278 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Jumbo IRA & Coverdell Certificates
Up to 4.23%APY · 5 terms
Available for IRA and Coverdell ESA. Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.02% | $402 |
| 24 months | 4.07% | $831 |
| 36 months | 4.13% | $1,291 |
| 48 months | 4.18% | $1,780 |
| 60 months | 4.23% | $2,302 |
Sources (2)
All captured Oct 15, 2026
IRA & Coverdell Certificates
Up to 4.07%APY · 5 terms
Available for IRA (Traditional and Roth) and Coverdell ESA. Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.86% | $386 |
| 24 months | 3.92% | $799 |
| 36 months | 3.97% | $1,239 |
| 48 months | 4.02% | $1,708 |
| 60 months | 4.07% | $2,208 |
Sources (2)
All captured Oct 15, 2026
Who can join Bangor Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.