Bank · FDIC insured
First Federal Savings CD Rates
First Federal Savings’s best CD rate is 3.05% APY on a 6-month CD. Terms run from 3 months to 54 months. Rates checked October 22, 2026.
How First Federal Savings’s CD rates compare
Compared with banks and credit unions near Portland, ME, where First Federal Savings has the most branches. $10,000, best rate first.
This bank’s best
First Federal Savings
3.05%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $151
Certificate of Deposit Accounts
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
First Federal Savings CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo3.05%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo2.79%
- 31–60 months31–60 mo0.70%
- QualifiedQualified3.05%
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 First Federal Savings ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit Accounts
Up to 3.05%APY · 12 terms
Open to anyone living in the mid-coast area on a permanent or seasonal basis. Valid picture ID and SSN required. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months90 Day Certificate of Deposit. Early withdrawal penalty may apply | 2.02% | — | — | 2.02% | $50 |
| 6 months6 Month Compounded Certificate of Deposit. Early withdrawal penalty may apply | — | — | 3.05% | 3.05% | $151 |
| 6 months6 Month Simple Certificate of Deposit. Early withdrawal penalty may apply | 0.10% | — | — | 0.10% | $5 |
| 9 months9 Month Certificate of Deposit. Early withdrawal penalty may apply | 0.10% | — | — | 0.10% | $7 |
| 10 months10 Month Certificate of Deposit. Early withdrawal penalty may apply | 0.15% | — | — | 0.15% | $12 |
| 11 months11 Month Certificate of Deposit. Early withdrawal penalty may apply | 0.15% | — | — | 0.15% | $14 |
| 12 months1 Year Certificate of Deposit. Early withdrawal penalty may apply | 3.05% | — | — | 3.05% | $305 |
| 15 months15 Month Certificate of Deposit. Early withdrawal penalty may apply | 0.20% | — | — | 0.20% | $25 |
| 18 months1 1/2 Year Certificate of Deposit. Early withdrawal penalty may apply | 2.79% | — | — | 2.79% | $421 |
| 24 months2 Year Certificate of Deposit. Early withdrawal penalty may apply | 2.53% | — | — | 2.53% | $512 |
| 30 months | 0.40% | — | — | 0.40% | $100 |
| 48 months4 Year Certificate of Deposit. Early withdrawal penalty may apply | — | 0.50% | — | 0.50% | $202 |
| 54 months | — | — | 0.70% | 0.70% | $319 |
Special-purpose accounts
Individual Retirement Accounts
Up to 2.79%APY · 2 terms
Traditional and Roth IRAs offered. Early withdrawal penalty and IRS early withdrawal penalties may apply. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months1 1/2 Year IRA. Early withdrawal penalty and IRS early withdrawal penalties may apply | 2.79% | $421 |
| 60 months5 Year IRA. Early withdrawal penalty and IRS early withdrawal penalties may apply | 1.01% | $515 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.