Credit union · NCUA insured
Evergreen Credit Union CD Rates
Top CarrotEvergreen Credit Union’s best CD rate is 4.05% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Evergreen Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, ME, where Evergreen Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Evergreen Credit Union
4.05%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $200
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
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Evergreen Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.05%
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 Evergreen 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.
Share Certificate
Up to 4.05%APY · 6 terms
Membership eligibility applies (live, work, worship, or attend school in Androscoggin, Cumberland, Lincoln, Oxford, Sagadahoc, or York counties, or immediate relative of eligible member). Early withdrawal penalties apply. $500 minimum deposit to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal subject to 90 day dividends penalty | 4.05% | $200 |
| 12 monthsEarly withdrawal subject to 180 day dividends penalty | 4.00% | $400 |
| 24 monthsEarly withdrawal subject to 365 day dividends penalty | 3.80% | $774 |
| 36 monthsEarly withdrawal subject to 545 day dividends penalty | 3.35% | $1,039 |
| 48 monthsEarly withdrawal subject to 545 day dividends penalty | 3.40% | $1,431 |
| 60 monthsEarly withdrawal subject to 545 day dividends penalty | 3.50% | $1,877 |
Sources (3)
- egcu.org/loans/consumer-loans/auto-loans.html
- egcu.org/personal/personal-sav…/share-certificates.html
- egcu.org/services/tools/rates.html
All captured Oct 22, 2026
Saver Certificate
3.00%APY · 1 term
Deposit any amount at any time. Automatically renews every 12 months. Pair with Rise High-Yield Checking or Breeze Rewards Banking to maximize savings. Early withdrawal subject to penalty. Membership eligibility applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal subject to 180 day dividends penalty. Automatically renews every 12 months | 3.00% | $300 |
Sources (3)
- egcu.org/loans/consumer-loans/auto-loans.html
- egcu.org/personal/personal-sav…/share-certificates.html
- egcu.org/services/tools/rates.html
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates
Up to 4.05%APY · 6 terms
Certificate deposit restrictions apply. Early withdrawal penalties apply. Membership eligibility requirements apply. $500 minimum deposit to open IRA term certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal subject to 90 day dividend penalty, whether earned or not | 4.05% | $200 |
| 12 monthsEarly withdrawal subject to 180 day dividend penalty, whether earned or not | 4.00% | $400 |
| 24 monthsEarly withdrawal subject to 365 day dividend penalty, whether earned or not | 3.80% | $774 |
| 36 monthsEarly withdrawal subject to 545 day dividend penalty, whether earned or not | 3.35% | $1,039 |
| 48 monthsEarly withdrawal subject to 545 day dividend penalty, whether earned or not | 3.40% | $1,431 |
| 60 monthsEarly withdrawal subject to 545 day dividend penalty, whether earned or not | 3.50% | $1,877 |
Sources (3)
- egcu.org/loans/consumer-loans/auto-loans.html
- egcu.org/personal/personal-sav…ement-accounts-iras.html
- egcu.org/services/tools/rates.html
All captured Oct 22, 2026
Closed to new customers
Ultimate Insured Share Certificate - 12 Mo.
3.60%APY · 1 term
Currently closed to new shares. Insured up to $250,000 by NCUA, with additional coverage up to $750,000 provided by Excess Share Insurance (ESI) for qualifying coded accounts. Early withdrawal subject to 180 day dividend penalty, whether earned or not.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal subject to 180 day dividend penalty, whether earned or not | 3.60% | — |
Sources (2)
All captured Oct 22, 2026
Who can join Evergreen Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.