Cumberland County Federal Credit Union CD Rates

How Cumberland County Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Portland, ME, where Cumberland County Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Cumberland County Federal Credit Union
4.02%APY
Term
60 months
Requires
None
Minimum
$1,000
Earns on $10,000
$2,178
Regular Share Certificate Account
Top rate
Northeast Bank
4.55%APY
Term
12 months
Requires
Another account
Minimum
$5,000
Earns on $10,000
$455
Northeast Bank rates
2nd-highest rate
Machias Savings Bank
4.50%APY
Term
36 months
Requires
None
Minimum
$500
Earns on $10,000
$1,412
Machias Savings Bank rates

Compare CD rates near you →

CD score

Higher than 77% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.71%
9–15 months9–15 mo3.82%
16–30 months16–30 mo3.87%
31–60 months31–60 mo4.02%
QualifiedQualified4.02%

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.

How the score works →

Where Cumberland County 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.

Regular Share Certificate Account

Up to 4.02%APY · 7 termsFrom $1,000 to open

A minimum daily balance of $1,000 is required to earn the annual percentage yield. Fixed rate through maturity. Early withdrawal penalties may apply.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $50,000	APY · $50,000 – $150,000	APY · $150,000 and up	APY	Earns on $10,000Earns
6 months	3.71%	3.82%	3.92%	3.71%3.82% $50k–$150k3.92% from $150k	$184
9 months	3.76%	3.87%	3.97%	3.76%3.87% $50k–$150k3.97% from $150k	$281
12 months	3.82%	3.92%	4.02%	3.82%3.92% $50k–$150k4.02% from $150k	$382
24 months	3.87%	3.97%	4.07%	3.87%3.97% $50k–$150k4.07% from $150k	$789
36 months	3.92%	4.02%	4.13%	3.92%4.02% $50k–$150k4.13% from $150k	$1,223
48 months	3.97%	4.07%	4.18%	3.97%4.07% $50k–$150k4.18% from $150k	$1,685
60 months	4.02%	4.13%	4.23%	4.02%4.13% $50k–$150k4.23% from $150k	$2,178

Sources (2)

All captured Oct 3, 2026

Special-purpose accounts

IRA Share Certificate Account

Up to 4.02%APY · 5 termsIRAFrom $1,000 to open

A minimum daily balance of $1,000 is required to earn the annual percentage yield. Fixed rate through maturity. Early withdrawal penalties may apply.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $50,000	APY · $50,000 – $150,000	APY · $150,000 and up	APY	Earns on $10,000Earns
12 months	3.82%	3.92%	4.02%	3.82%3.92% $50k–$150k4.02% from $150k	$382
24 months	3.87%	3.97%	4.07%	3.87%3.97% $50k–$150k4.07% from $150k	$789
36 months	3.92%	4.02%	4.13%	3.92%4.02% $50k–$150k4.13% from $150k	$1,223
48 months	3.97%	4.07%	4.18%	3.97%4.07% $50k–$150k4.18% from $150k	$1,685
60 months	4.02%	4.13%	4.23%	4.02%4.13% $50k–$150k4.23% from $150k	$2,178

Sources (2)

All captured Oct 3, 2026

Who can join Cumberland County 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

Anyone who lives, works, worships or studies in Androscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, or York County, Maine is eligible to join.

Family and household

Family members of current members (any person related to a primary member by blood, marriage, or legal or administrative proceeding, wherever they reside) are eligible to join.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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