Credit union · NCUA insured
Central Maine FCU Savings Rates
Top CarrotCentral Maine FCU’s best savings rate is 2.27% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Central Maine FCU’s savings 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
2.27%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $227
Money Market
Top rate
Northeast Bank
3.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
2nd-highest rate
Camden National Bank
2.65%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $265
Central Maine FCU savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $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 Central Maine FCU 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
Up to 2.27%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
| $2,500 and up | 2.27% | $227 |
| Over $50,000 | 2.53% | — |
| $100,000 and up | 2.78% | — |
Sources (1)
- centralmainecu.com/rates-fees · captured Oct 3, 2026
Super Saver
0.15%APY
Requires a minimum balance of $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum dividend balance of $25.00 to earn stated rate.$25 and up | 0.15% | $15 | Minimum dividend balance of $25.00 to earn stated rate. |
Sources (2)
All captured Oct 3, 2026
Membership Share
0.05%APY
Requires maintaining a $10.00 minimum balance to establish and maintain membership in Central Maine FCU.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum dividend balance of $25.00 to earn stated rate.$25 and up | 0.05% | $5 | Minimum dividend balance of $25.00 to earn stated rate. |
Sources (2)
All captured Oct 3, 2026
Minimum Balance Share
0.05%APY
Requires a minimum balance of $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum dividend balance of $100.00 to earn stated rate.$100 and up | 0.05% | $5 | Minimum dividend balance of $100.00 to earn stated rate. |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
Share IRA
0.15%APY
Requires a minimum balance of $25.00. Assessed a $10 closing fee when the account is closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum dividend balance of $25.00 to earn stated rate.$25 and up | 0.15% | $15 | Minimum dividend balance of $25.00 to earn stated rate. |
Sources (2)
All captured Oct 3, 2026
Christmas & All Purpose Clubs
0.05%APY
Requires a minimum balance of $5.00. Christmas Club funds are transferred to the account of choice in early October or may remain in the Club account until withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum dividend balance of $25.00 to earn stated rate.$25 and up | 0.05% | $5 | Minimum dividend balance of $25.00 to earn stated rate. |
Sources (2)
All captured Oct 3, 2026
Monty Moose Youth Savers
0.05%APY
For children up to 12 years old. Requires a minimum balance of $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum dividend balance of $25.00 to earn stated rate.$25 and up | 0.05% | $5 | Minimum dividend balance of $25.00 to earn stated rate. |
Sources (2)
All captured Oct 3, 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.