Credit union · NCUA insured
Lincoln Maine FCU CD Rates
Top CarrotLincoln Maine FCU’s best CD rate is 4.29% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Lincoln Maine FCU’s CD rates compare
Compared with banks and credit unions near Bangor, ME, where Lincoln Maine FCU has the most branches. $10,000, best rate first.
This credit union’s best
Lincoln Maine FCU
4.24%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,306
Share 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
Lincoln Maine FCU CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo4.03%
- 16–30 months16–30 mo4.13%
- 31–60 months31–60 mo4.24%
- QualifiedQualified4.24%
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 Lincoln Maine FCU 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.
Jumbo Certificates
Up to 4.29%APY · 9 terms
Interest earned may be compounded or transferred to another account. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months>$100,000 | 3.82% | — |
| 6 months>$100,000 | 3.87% | — |
| 9 months>$100,000 | 3.98% | — |
| 12 months>$100,000 | 4.08% | — |
| 18 months>$100,000 | 4.13% | — |
| 24 months>$100,000 | 4.19% | — |
| 36 months>$100,000 | 4.19% | — |
| 48 months>$100,000 | 4.24% | — |
| 60 months>$100,000 | 4.29% | — |
Sources (1)
- lincolnmainefcu.com/banking-ac…ncoln/share-certificates · captured Oct 15, 2026
Share Certificates
Up to 4.24%APY · 9 terms
Interest earned may be compounded or transferred to another account. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.77% | $93 |
| 6 months | 3.82% | $189 |
| 9 months | 3.93% | $293 |
| 12 months | 4.03% | $403 |
| 18 months | 4.08% | $618 |
| 24 months | 4.13% | $844 |
| 36 months | 4.13% | $1,292 |
| 48 months | 4.19% | $1,782 |
| 60 months | 4.24% | $2,306 |
Sources (1)
- lincolnmainefcu.com/banking-ac…ncoln/share-certificates · captured Oct 15, 2026
Special-purpose accounts
Looney Toon Share Certificates
4.03%APY · 1 term
For children.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.03% | $403 |
Sources (1)
- lincolnmainefcu.com/banking-ac…ncoln/share-certificates · captured Oct 15, 2026
IRAs
3.60%APY
Offers both Traditional and Roth IRAs. Early withdrawal penalty may apply if you withdraw funds before maturity date. If withdrawal is made prior to age 59 1/2, normal tax penalties will apply. NCUA Insured to $250,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional & RothAny balance | 3.60% | $360 | Traditional & Roth |
Sources (1)
- lincolnmainefcu.com/banking-accounts-lincoln/iras · captured Oct 15, 2026
Who can join Lincoln Maine FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or worship in Penobscot County, ME are eligible for membership.
Family and household
- Immediate family members of persons who live, work, or worship in Penobscot County, ME are eligible for membership.
Other ways
- Organizations of persons who live, work, or worship in Penobscot County, ME are eligible for membership.
Cost to join
- There is a one-time $5.00 fee to open an account.
- Members are required to maintain at least a $25.00 prime share balance.
Membership information collected October 4, 2026.