Credit union · NCUA insured
Community Credit Union CD Rates
Community Credit Union’s best CD rate is 3.82% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Community Credit Union’s CD rates compare
Compared with banks and credit unions near Lewiston, ME, where Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Credit Union
3.56%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,502
Share Certificate
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
Community Credit Union CD score
78
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 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 Community 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 Certificate
Up to 3.82%APY · 6 terms
Jumbo Certificates have a minimum balance of $100,000. Membership eligibility required. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.71% | — |
| 12 months | 3.71% | — |
| 24 months | 3.71% | — |
| 36 months | 3.71% | — |
| 48 months | 3.82% | — |
| 60 months | 3.82% | — |
Sources (1)
- communitycreditunion.com/accou…-cash-back-checking.html · captured Sep 19, 2026
Share Certificate
Up to 3.56%APY · 6 terms
Minimum balance to open the account and earn the APY is $500. Early withdrawal penalties may apply (penalty can be waived for qualifying life events such as disability, death, or nursing home care). Automatically renewable unless otherwise specified. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.45% | $171 |
| 12 months | 3.45% | $345 |
| 24 months | 3.45% | $702 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.56% | $1,502 |
| 60 months | 3.56% | $1,911 |
Sources (2)
- communitycreditunion.com/accou…s/share-certificate.html
- communitycreditunion.com/accou…-cash-back-checking.html
All captured Sep 19, 2026
Special-purpose accounts
Jumbo IRA Certificate
Up to 3.82%APY · 5 terms
Jumbo Certificates have a minimum balance of $100,000. IRA Certificates are available as a Roth, Traditional, SEP or ESA. 6 month term is not available for IRA Certificates. Membership eligibility required. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.71% | — |
| 24 months | 3.71% | — |
| 36 months | 3.71% | — |
| 48 months | 3.82% | — |
| 60 months | 3.82% | — |
Sources (1)
- communitycreditunion.com/accou…-cash-back-checking.html · captured Sep 19, 2026
IRA Certificate
Up to 3.56%APY · 5 terms
Available as Traditional, SEP, Roth or Education IRA (ESA). Minimum balance to open the account and earn the APY is $500. 6 month term is not available for IRA Certificates. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.45% | $345 |
| 24 months | 3.45% | $702 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.56% | $1,502 |
| 60 months | 3.56% | $1,911 |
Sources (2)
- communitycreditunion.com/accou…irement-account-ira.html
- communitycreditunion.com/accou…-cash-back-checking.html
All captured Sep 19, 2026
Who can join Community Credit Union
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, worships, or goes to school in Androscoggin, Franklin, Kennebec, or Oxford County.
Family and household
- Membership is open to individuals who have a family member who lives, works, worships, or goes to school in Androscoggin, Franklin, Kennebec, or Oxford County.
Membership information collected October 4, 2026.