Credit union · NCUA insured
Central Maine FCU CD Rates
Top CarrotCentral Maine FCU’s best CD rate is 4.13% APY on an 18-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Central Maine FCU’s CD rates compare
Compared with banks and credit unions near Lewiston, ME, where Central Maine FCU has the most branches. $10,000, best rate first.
This credit union’s best
Central Maine FCU
4.13%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $626
Fixed-Rate 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
Dirigo Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Fixed-Rate Share Certificates
Up to 4.13%APY · 7 terms
Membership requires a $10.00 membership share account ($25 stated on product overview). Rate premium of 10 basis points available if balance at opening is $250,000 or greater (or for Member's Choice program); maximum combined rate premium up to 20 basis points. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.76% | $186 |
| 12 months | 3.86% | $386 |
| 18 months | 4.13% | $626 |
| 24 months | 3.91% | $797 |
| 36 months | 3.91% | $1,219 |
| 48 months | 3.98% | $1,690 |
| 60 months | 4.03% | $2,184 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Fixed-Rate IRA Share Certificates
Up to 4.13%APY · 6 terms
IRA certificates are not eligible for rate premiums. A $10 closing fee applies when the IRA is closed or brought down to a zero balance. Early withdrawal penalty applies. Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.86% | $386 |
| 18 months | 4.13% | $626 |
| 24 months | 3.91% | $797 |
| 36 months | 3.91% | $1,219 |
| 48 months | 3.98% | $1,690 |
| 60 months | 4.03% | $2,184 |
Sources (2)
All captured Oct 22, 2026
Who can join Central Maine FCU
This may be incomplete or out of date, so check with the credit union before you apply.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, attends school, or worships in the Maine counties of Androscoggin, Franklin, Hancock, Kennebec, Knox, Lincoln, Oxford, Somerset, and Waldo.
Membership information collected October 4, 2026.