Credit union · NCUA insured
Bangor Federal Credit Union Savings Rates
Top CarrotBangor Federal Credit Union’s best savings rate is 2.27% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Bangor Federal Credit Union’s savings 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
2.27%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $227
Money Market Account
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
Bangor Federal Credit Union savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.27%
- $100,000 balance$100,0002.78%
- QualifiedQualified2.27%
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 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.
Money Market Account
2.27%APY
Minimum amount to withdraw is $500. 6 free transactions per month by pre-authorized automatic, telephone, checks, drafts, debit cards, or other similar order; unlimited in-person withdrawals. Dividend rate is paid based on the aggregate balance method. Rates are subject to change after account opening. Fees and withdrawals may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $20,000 | 2.27% | $227 |
| $20,000 – $75,000 | 2.53% | — |
| Over $75,000 | 2.78% | — |
Sources (2)
All captured Oct 15, 2026
Prime Share Savings
0.05%APY
Membership requires living, working, worshiping, attending school in, or businesses located in Penobscot, Hancock, and Waldo Counties of Maine, a $5.00 minimum savings deposit, and a $5.00 one-time membership fee. No monthly maintenance fees. No minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25 balance to earn dividends. No monthly maintenance fees.$25 and up | 0.05% | $5 | Minimum $25 balance to earn dividends. No monthly maintenance fees. |
Sources (3)
- bangorfederal.com/personal/dep…s/online-account-opening
- bangorfederal.com/personal/deposits/rates
- bangorfederal.com/personal/deposits/savings
All captured Oct 15, 2026
Special-purpose accounts
IRA Savings
2.27%APY
Dividend rate is paid based on the aggregate balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $20,000 | 2.27% | $227 |
| $20,000 – $75,000 | 2.53% | — |
| Over $75,000 | 2.78% | — |
Sources (1)
- bangorfederal.com/personal/deposits/rates · captured Oct 15, 2026
Club Accounts
0.05%APY
Goal-oriented savings (Christmas gift giving, taxes or insurance, vacation, home improvement, etc.). Christmas club funds are automatically transferred to savings or checking on or around October 1st. No penalties for early withdrawals. No monthly maintenance fees. No minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompetitive dividends on entire balance. No monthly maintenance fees.Any balance | 0.05% | $5 | Competitive dividends on entire balance. No monthly maintenance fees. |
Sources (2)
All captured Oct 15, 2026
Health Savings Account
0.05%APY
For adults under 65 covered under a high-deductible health plan (HDHP) and not enrolled in Medicare. Access funds via debit card or checks. No monthly maintenance fees. No minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned on entire balance. $25 minimum deposit to open mentioned in product page ($0 minimum to open on rates schedule). No monthly maintenance fees.Any balance | 0.05% | $5 | Dividends earned on entire balance. $25 minimum deposit to open mentioned in product page ($0 minimum to open on rates schedule). No monthly maintenance fees. |
Sources (2)
All captured Oct 15, 2026
Monty Moose Club
0.05%APY
Available to kids 12 and under. Earn Monty Moose Bucks for deposits to redeem prizes at Monty's Trading Post (double on 3rd Friday of the month). No monthly maintenance fees. No minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompetitive dividends on entire balance. Minimum $5 deposit needed to open account per youth account details ($0 minimum to open on rates schedule).Any balance | 0.05% | $5 | Competitive dividends on entire balance. Minimum $5 deposit needed to open account per youth account details ($0 minimum to open on rates schedule). |
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.