Credit union · NCUA insured
Lincoln Maine FCU Savings Rates
Top CarrotLincoln Maine FCU’s best savings rate is 2.33% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Lincoln Maine FCU’s savings 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
2.33%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $233
Money Market
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Seaboard Federal Credit Union
2.90%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $290
Lincoln Maine FCU savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0002.33%
- $100,000 balance$100,0002.84%
- QualifiedQualified2.33%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
2.33%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $19,999 | 2.33% | $233 |
| $20,000 – $74,999 | 2.58% | — |
| $75,000 and up | 2.84% | — |
Sources (1)
- lincolnmainefcu.com/banking-ac…ts-lincoln/money-markets · captured Oct 15, 2026
Savings Accounts
0.20%APY
Required for credit union membership. Minimum balance of $25 required. NCUA insured up to $250,000. Dividends compounded and credited monthly based on Average Daily Balance. Account closing fee of $10 if closed within 6 months of opening; dormant account fee of $5/quarter after 12 months. Membership fee $5 for age 13 and above, $1 for children 1-12.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Dividends compounded and credited monthly using average daily balance method. Minimum opening balance $25.00. | 0.10% | — | Dividends compounded and credited monthly using average daily balance method. Minimum opening balance $25.00. |
| $1,001 – $5,000Dividends compounded and credited monthly using average daily balance method. Minimum opening balance $25.00. | 0.15% | — | Dividends compounded and credited monthly using average daily balance method. Minimum opening balance $25.00. |
| $5,001 – $30,000Dividends compounded and credited monthly using average daily balance method. Minimum opening balance $25.00. | 0.20% | $20 | Dividends compounded and credited monthly using average daily balance method. Minimum opening balance $25.00. |
| $30,001 and upTier listed as $30,001 and up. Dividends compounded and credited monthly using average daily balance method. Minimum opening balance $25.00. | 0.25% | — | Tier listed as $30,001 and up. Dividends compounded and credited monthly using average daily balance method. Minimum opening balance $25.00. |
Sources (2)
- lincolnmainefcu.com/banking-ac…lincoln/savings-accounts
- lincolnmainefcu.com/wp-content…ate-and-Fee-Schedule.pdf
All captured Sep 24, 2026
Special-purpose accounts
IRAs
3.60%APY
Offers Traditional and Roth IRAs. NCUA insured up to $250,000. Early withdrawal penalties and tax penalties before age 59 1/2 may apply. Dividends compounded and credited monthly based on Average Daily Balance. Minimum opening balance $100.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upTraditional and Roth IRA savings. Minimum opening balance $100.00; minimum balance to earn dividends $100.00. Compounded and credited monthly.$100 and up | 3.60% | $360 | Traditional and Roth IRA savings. Minimum opening balance $100.00; minimum balance to earn dividends $100.00. Compounded and credited monthly. |
Sources (2)
- lincolnmainefcu.com/banking-accounts-lincoln/iras
- lincolnmainefcu.com/wp-content…ate-and-Fee-Schedule.pdf
All captured Sep 24, 2026
Educational Share Accounts
Up to 1.50%APY
For education expenses. Contributions up to $2,000/year until beneficiary reaches age 18. Non-deductible contributions, tax-free withdrawals for qualified education expenses. Dividends compounded and credited monthly based on Average Daily Balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,500Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. | 1.15% | — | Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. |
| $1,501 – $5,000Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. | 1.25% | — | Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. |
| $5,001 – $10,000Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. | 1.35% | $135 | Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. |
| $10,000 and upTier listed as over $10,000. Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. | 1.50% | $150 | Tier listed as over $10,000. Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. |
Health Savings Account
Up to 1.50%APY
Must be under 65 and covered by a qualified High Deductible Health Plan (HDHP) and not covered by Medicare or claimed as a dependent by another person. Dividends compounded and credited monthly based on Average Daily Balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,500Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. | 1.15% | — | Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. |
| $1,501 – $5,000Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. | 1.25% | — | Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. |
| $5,001 – $10,000Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. | 1.35% | $135 | Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. |
| $10,000 and upTier listed as over $10,000. Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. | 1.50% | $150 | Tier listed as over $10,000. Dividends compounded and credited monthly. Minimum opening balance $100.00. Minimum balance required to earn dividends $100.00. |
Sources (2)
- lincolnmainefcu.com/banking-ac…-savings-account-lincoln
- lincolnmainefcu.com/wp-content…ate-and-Fee-Schedule.pdf
All captured Sep 24, 2026
Fuel Club
0.50%APY
Fuel Club savings account. Minimum balance required is $5.00. Dividends earned similar to regular share savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Minimum opening balance $5.00. | 1.01% | — | Minimum opening balance $5.00. |
| $3,000 and upTier listed as over $3,000. APY not published in table. | 0.50% | $50 | Tier listed as over $3,000. APY not published in table. |
Sources (1)
- lincolnmainefcu.com/banking-ac…ln/club-accounts-lincoln · captured Sep 24, 2026
Club Accounts
0.15%APY
Special purpose savings accounts (Christmas, taxes, home heating, family vacation). Minimum balance required to open is $5.00. Minimum balance to earn dividends is $25.00. Dividends compounded and credited monthly using average daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Dividends compounded and credited monthly. Minimum opening deposit $5.00; minimum balance to earn dividends $25.00. | 0.10% | — | Dividends compounded and credited monthly. Minimum opening deposit $5.00; minimum balance to earn dividends $25.00. |
| $5,001 and upTier listed as $5,001 and up. Dividends compounded and credited monthly. Minimum opening deposit $5.00; minimum balance to earn dividends $25.00. | 0.15% | $15 | Tier listed as $5,001 and up. Dividends compounded and credited monthly. Minimum opening deposit $5.00; minimum balance to earn dividends $25.00. |
Sources (2)
- lincolnmainefcu.com/banking-ac…ln/club-accounts-lincoln
- lincolnmainefcu.com/wp-content…ate-and-Fee-Schedule.pdf
All captured Sep 24, 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.