Credit union · NCUA insured
Katahdin Federal Credit Union CD Rates
Katahdin 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 November 12, 2026.
How Katahdin Federal Credit Union’s 12-month CD compares
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This credit union’s 12-month CD
Katahdin Federal Credit Union
3.97%APY
- Minimum
- $500
- Earns on $10,000
- $397
Share Certificates
Find the best 12-month CD rates →
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.07%APY · 9 terms
Early withdrawal penalty applies if principal is withdrawn before maturity. Dividends compounded and credited monthly. Renews automatically for the same term. 10 day grace period after maturity. Additional deposits not allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 2.02% | $50 |
| 6 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 3.56% | $176 |
| 9 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 4.07% | $304 |
| 12 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 3.97% | $397 |
| 18 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 3.76% | $569 |
| 24 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 3.76% | $766 |
| 36 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 3.71% | $1,155 |
| 48 monthsPenalty for early withdrawal is 180 days dividends. Additional deposits not allowed. Automatically renewable | 3.66% | $1,546 |
| 60 monthsPenalty for early withdrawal is 270 days dividends. Additional deposits not allowed. Automatically renewable | 3.56% | $1,911 |
Sources (2)
All captured Nov 12, 2026
Special-purpose accounts
IRA Certificates
Up to 3.97%APY · 6 terms
Early withdrawal penalty applies if principal is withdrawn before maturity. Dividends compounded and credited monthly. Renews automatically for the same term. 10 day grace period after maturity. Additional deposits not allowed. Individual Retirement Account terms and exceptions apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 3.97% | $397 |
| 18 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 3.76% | $569 |
| 24 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 3.76% | $766 |
| 36 monthsPenalty for early withdrawal is 90 days dividends. Additional deposits not allowed. Automatically renewable | 3.71% | $1,155 |
| 48 monthsPenalty for early withdrawal is 180 days dividends. Additional deposits not allowed. Automatically renewable | 3.66% | $1,546 |
| 60 monthsPenalty for early withdrawal is 270 days dividends. Additional deposits not allowed. Automatically renewable | 3.56% | $1,911 |
Sources (1)
- katahdinfcu.org/home/rates · captured Nov 12, 2026
Katahdin Federal Credit Union CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo3.76%
- 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.
Who can join Katahdin Federal Credit Union
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