Credit union · NCUA insured
Cumberland County Federal Credit Union Savings Rates
Top CarrotCumberland County Federal Credit Union’s best savings rate is 1.76% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Cumberland County Federal Credit Union’s savings 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
1.76%APY
- Minimum
- —
- Earns on $10,000 a year
- $176
Money Market Savings
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Northeast Bank
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
Cumberland County Federal Credit Union savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.76%
- $100,000 balance$100,0002.58%
- QualifiedQualified1.76%
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 Cumberland County Federal 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 Savings
1.76%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 1.76% | $176 |
| $25,000 – $50,000 | 2.07% | — |
| $50,000 – $100,000 | 2.43% | — |
| $100,000 – $250,000 | 2.58% | — |
| $250,000 and up | 2.94% | — |
Sources (1)
- myccfcu.com/certificates-savings-rates · captured Oct 3, 2026
Regular Savings
0.15%APY
$5.00 minimum balance required. All members of CCFCU have a Regular Share Account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.15% | $15 |
| $25,000 – $50,000 | 0.20% | — |
| $50,000 – $100,000 | 0.25% | — |
| $100,000 – $250,000 | 0.30% | — |
| $250,000 and up | 0.35% | — |
Money Market Checking
0.30%APY
Dividends paid monthly on average daily balance of $4,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $4,000 – $10,000 | 0.25% | — | |
| $10,000 and upAverage daily balance of $10,000 or more earn additional monthly dividends. | 0.30% | $30 | Average daily balance of $10,000 or more earn additional monthly dividends. |
Special-purpose accounts
HSA Savings Account
0.80%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.80% | $80 |
| $25,000 – $50,000 | 0.90% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 – $250,000 | 1.31% | — |
| $250,000 and up | 1.51% | — |
Sources (1)
- myccfcu.com/certificates-savings-rates · captured Oct 3, 2026
IRA Savings
0.80%APY
Traditional IRA, Roth IRA, and Coverdell ESA options available. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 ESI).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.80% | $80 |
| $25,000 – $50,000 | 0.90% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 – $250,000 | 1.31% | — |
| $250,000 and up | 1.51% | — |
All-Purpose Club
0.10%APY
Minimum dividend balance is $5.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Holiday Club
0.10%APY
Minimum dividend balance is $5.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
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.