Credit union · NCUA insured
Community Credit Union Savings Rates
Community Credit Union’s best savings rate is 1.61% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Community Credit Union’s savings 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
1.61%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $161
Money Market Account
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
Community Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0001.61%
- $100,000 balance$100,0002.12%
- QualifiedQualified1.61%
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 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
1.61%APY
Membership eligibility required (live, work, worship, or go to school in Androscoggin, Franklin, Kennebec or Oxford County, or family member who does). Enhanced access to funds including direct check writing (3 drafts per month). No monthly service charge. Free digital banking services. Variable dividend rate and APY subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Minimum balance to open the account and earn the APY is $2,500. Average daily balance tier. Variable dividend rate. | 1.61% | $161 | Minimum balance to open the account and earn the APY is $2,500. Average daily balance tier. Variable dividend rate. |
| $25,000 – $75,000Minimum balance to open the account and earn the APY is $2,500. Average daily balance tier. Variable dividend rate. | 1.87% | — | Minimum balance to open the account and earn the APY is $2,500. Average daily balance tier. Variable dividend rate. |
| $75,000 and upMinimum balance to open the account and earn the APY is $2,500. Average daily balance tier. Variable dividend rate. | 2.12% | — | Minimum balance to open the account and earn the APY is $2,500. Average daily balance tier. Variable dividend rate. |
Kasasa Saver
Up to 1.25%APY
Requires a linked Kasasa Cash or Kasasa Cash Back checking account. Variable rate. Must meet monthly qualification cycle requirements (at least 12 debit card purchases post and settle, at least 1 direct deposit or ACH transaction post and settle, enrolled in e-Statements, and log in to Online/Mobile banking at least once) to earn higher dividend rates.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000When qualifications met in linked Kasasa Cash or Kasasa Cash Back account during monthly qualification cycle. | 1.25% | $125 | When qualifications met in linked Kasasa Cash or Kasasa Cash Back account during monthly qualification cycle. |
| Any balanceWhen qualifications are not met during monthly qualification cycle. Applies to all balances. | 0.05% | $5 | When qualifications are not met during monthly qualification cycle. Applies to all balances. |
Share / Regular Savings Account
0.03%APY
Establishes credit union membership. Variable dividend rate and APY. Subject to a closing account fee if closed within the first 6 months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to open and earn APY is $5. Variable rate.$5 and up | 0.03% | $3 | Minimum balance to open and earn APY is $5. Variable rate. |
Special-purpose accounts
Health Savings Account (HSA)
0.10%APY
Must be covered by a qualified High Deductible Health Plan (HDHP) and meet IRS eligibility rules (under age 65, not enrolled in Medicare, not claimed as a dependent). No minimum balance to open the account. Minimum balance to earn APY is $100. Variable rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Average daily balance tier. Variable rate. Minimum balance to earn APY is $100. | 0.05% | — | Average daily balance tier. Variable rate. Minimum balance to earn APY is $100. |
| $1,000 – $5,000Average daily balance tier. Variable rate. | 0.05% | — | Average daily balance tier. Variable rate. |
| $5,000 – $10,000Average daily balance tier. Variable rate. | 0.10% | $10 | Average daily balance tier. Variable rate. |
| Over $10,000Average daily balance tier. Variable rate. | 0.15% | — | Average daily balance tier. Variable rate. |
IRA Club / IRA Savings
0.05%APY
IRA savings / club account. Supplement retirement savings. Tax implications and early withdrawal penalties may apply. Variable rate. No setup or maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. $0 minimum deposit to open IRA Clubs. No monthly service charge or maintenance fees. Tax penalties may apply on early withdrawal.Any balance | 0.05% | $5 | Variable rate. $0 minimum deposit to open IRA Clubs. No monthly service charge or maintenance fees. Tax penalties may apply on early withdrawal. |
Christmas Club
0.03%APY
Funds automatically transfer to the account of choice on October 1st. Subject to early withdrawal penalty if funds are withdrawn before maturity date. If account closed within first 6 months subject to closing account fee. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubject to early withdrawal penalty if withdrawn before maturity date.Any balance | 0.03% | $3 | Subject to early withdrawal penalty if withdrawn before maturity date. |
Sources (2)
- communitycreditunion.com/access/tools/rates.html
- communitycreditunion.com/accou…avings/club-account.html
All captured Oct 22, 2026
Flex Club
0.03%APY
Flexible savings club account. Variable dividend rate and APY. No monthly service charge. $0 minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFlexible savings club account. Variable dividend rate and APY. No monthly service charge. $0 minimum deposit to open.Any balance | 0.03% | $3 | Flexible savings club account. Variable dividend rate and APY. No monthly service charge. $0 minimum deposit to open. |
Sources (2)
- communitycreditunion.com/access/tools/rates.html
- communitycreditunion.com/accou…avings/club-account.html
All captured Oct 22, 2026
Life Saver Youth Account
0.03%APY
Youth savings account for members ages 17 and under. Variable rate. Minimum balance to open and earn APY is $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to open the account and earn the APY is $5. Variable rate. No monthly service charges.$5 and up | 0.03% | $3 | Minimum balance to open the account and earn the APY is $5. Variable rate. No monthly service charges. |
Monty Moose Youth Account
0.03%APY
Youth account for members ages 9 and under. Earns Monty Moose Dollars on deposits. $5 penalty for closing account within 6 months of opening. Variable dividend rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to open the account and earn the APY is $5. Variable rate. No monthly service charges.$5 and up | 0.03% | $3 | Minimum balance to open the account and earn the APY is $5. Variable rate. No monthly service charges. |
Teens Love Cash Youth Account
0.03%APY
Youth savings account for members ages 17 and under. Variable rate. Minimum balance to open and earn APY is $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to open the account and earn the APY is $5. Variable rate. No monthly service charges.$5 and up | 0.03% | $3 | Minimum balance to open the account and earn the APY is $5. Variable rate. No monthly service charges. |
Vacation Club
0.03%APY
Funds automatically transfer to the account of choice on June 1st. Subject to early withdrawal penalty if funds are withdrawn before maturity date. If account closed within first 6 months subject to closing account fee. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubject to early withdrawal penalty if withdrawn before maturity date.Any balance | 0.03% | $3 | Subject to early withdrawal penalty if withdrawn before maturity date. |
Sources (2)
- communitycreditunion.com/access/tools/rates.html
- communitycreditunion.com/accou…avings/club-account.html
All captured Oct 22, 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.