Credit union · NCUA insured
Capital Area Federal Credit Union CD Rates
Capital Area Federal Credit Union’s best CD rate is 3.56% APY on a 2-year share certificate (CD). Terms run from 6 months to 26 months. Rates checked October 22, 2026.
How Capital Area Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Augusta, ME, where Capital Area Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Capital Area Federal Credit Union
3.56%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $725
CD’s (share certificates)
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Winthrop Area Federal Credit Union
4.28%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,331
Capital Area Federal Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo3.56%
- QualifiedQualified3.56%
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 Capital Area 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.
CD’s (share certificates)
Up to 3.56%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.40% | $340 |
| 18 months | 3.45% | $522 |
| 18 monthsYouth certificate | 1.01% | $152 |
| 24 months | 3.56% | $725 |
| 26 monthsYouth certificate | 1.16% | $253 |
Sources (1)
- capitalareafcu.org/personal-banking/share-cd-rates · captured Sep 19, 2026
Who can join Capital Area 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Kennebec, Waldo, or Lincoln County, Maine, as well as businesses and other legal entities located there, are eligible for membership.
Family and household
- Relatives of current members or individuals residing in the same household (including domestic partners, foster children, and legal guardian relationships maintaining a single economic unit) are eligible to join.
Cost to join
- A $25.00 deposit into a share (savings) account is required upon joining.
Membership information collected October 4, 2026.