Credit union · NCUA insured
Gardiner Federal Credit Union CD Rates
Gardiner Federal Credit Union’s best CD rate is 3.87% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Gardiner Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Augusta, ME, where Gardiner Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gardiner Federal Credit Union
3.87%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $789
Share Certificates
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Winthrop Area Federal Credit Union
4.28%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,331
Gardiner Federal Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.87%
- 31–60 months31–60 mo3.87%
- QualifiedQualified3.87%
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 Gardiner 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.
Share Certificates
Up to 3.87%APY · 8 terms
Minimum opening balance of $500.00. Automatically renewable. Fixed rate for the term of the account. Early withdrawal penalty applies (180 days dividends). Dividend withdrawal allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.56% | $88 |
| 6 months | 3.82% | $189 |
| 12 months | 3.82% | $382 |
| 15 months | 3.82% | $480 |
| 24 months | 3.87% | $789 |
| 36 months | 3.87% | $1,207 |
| 48 months | 3.87% | $1,640 |
| 60 months | 3.87% | $2,091 |
Special-purpose accounts
Individual Retirement Account (IRA) Certificates
Up to 3.87%APY · 8 terms
Minimum opening deposit of $500.00. Automatically renewable. Fixed rate for the term of the account. Early withdrawal penalty applies (180 days dividends). Dividend withdrawal allowed. Traditional and Roth IRA wrappers supported.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.56% | $88 |
| 6 months | 3.82% | $189 |
| 12 months | 3.82% | $382 |
| 15 months | 3.82% | $480 |
| 24 months | 3.87% | $789 |
| 36 months | 3.87% | $1,207 |
| 48 months | 3.87% | $1,640 |
| 60 months | 3.87% | $2,091 |
Sources (3)
- gardinerfcu.org/products-and-services/iras
- gardinerfcu.org/current-rates/savings-deposit-rates
- gardinerfcu.org/uploads/certificate-rate-fee-1.pdf
All captured Sep 19, 2026
Who can join Gardiner 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 live, work, worship, or attend school in Kennebec County, Lincoln County, or the towns of Richmond and Palermo.
Employers and groups
- Membership is open to employees of Gardiner Federal Credit Union.
Family and household
- Membership is open to members of the immediate family or household of Gardiner Federal Credit Union employees.
Other ways
- Membership is open to organizations of people, businesses, or other legal entities in Kennebec County, Lincoln County, and the towns of Richmond and Palermo.
- Membership is open to volunteers in the community.
Membership information collected October 4, 2026.