Credit union · NCUA insured
Eastmill Federal Credit Union CD Rates
Top CarrotEastmill Federal Credit Union’s best CD rate is 4.07% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Eastmill Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bangor, ME, where Eastmill Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Eastmill Federal Credit Union
4.07%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $304
Certificates
Top rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
The County Federal Credit Union
4.49%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $564
Eastmill Federal Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo3.87%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo3.71%
- QualifiedQualified4.07%
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 Eastmill 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.
Certificates
Up to 4.07%APY · 10 terms
Rates apply to Share Certificates. After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.95% | $24 |
| 6 months | 3.87% | $192 |
| 9 months | 4.07% | $304 |
| 12 months | 3.97% | $397 |
| 15 months | 3.92% | $492 |
| 18 months | 3.82% | $578 |
| 24 months | 3.76% | $766 |
| 36 months | 3.71% | $1,155 |
| 48 months | 3.61% | $1,524 |
| 60 months | 3.66% | $1,969 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 4.07%APY · 10 terms
Can be set up as Traditional, Roth, Coverdell Education, or SEP IRAs. After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.95% | $24 |
| 6 months | 3.87% | $192 |
| 9 months | 4.07% | $304 |
| 12 months | 3.97% | $397 |
| 15 months | 3.92% | $492 |
| 18 months | 3.82% | $578 |
| 24 months | 3.76% | $766 |
| 36 months | 3.71% | $1,155 |
| 48 months | 3.61% | $1,524 |
| 60 months | 3.66% | $1,969 |
Sources (2)
- eastmillfcu.org/accounts/individual-retirement-accounts
- eastmillfcu.org/wp-content/upl…Rates-September-2026.pdf
All captured Sep 19, 2026
Who can join Eastmill 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
- Membership is open to individuals who reside, work, worship, or attend school in Penobscot County, Southern Aroostook County, and Central Aroostook County.
Cost to join
- Members are required to open a Prime Share Savings account and maintain a $25.00 balance.
Membership information collected October 4, 2026.