Bank · FDIC insured
Machias Savings Bank CD Rates
Machias Savings Bank’s best CD rate is 4.50% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Machias Savings Bank’s CD rates compare
Compared with banks and credit unions near Bangor, ME, where Machias Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
My MSB Certificate of Deposit
2nd-highest rate
The County Federal Credit Union
4.49%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $564
3rd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Machias Savings Bank CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Machias Savings Bank 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.
My MSB Certificate of Deposit
Up to 4.50%APY · 9 terms
To open online, must be at least 18 years old and a Maine resident or an existing customer. Penalty applies for early withdrawal. Rates accurate as of 10/13/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 30 days interest | 2.35% | $58 |
| 6 monthsEarly withdrawal penalty: 90 days interest | 2.60% | $129 |
| 7 months7 Month CD Special. Early withdrawal penalty: 90 days interest | 3.00% | $174 |
| 12 monthsEarly withdrawal penalty: 90 days interest | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty: 180 days interest | 2.55% | $385 |
| 24 monthsEarly withdrawal penalty: 180 days interest | 4.25% | $868 |
| 36 monthsEarly withdrawal penalty: 365 days interest | 4.50% | $1,412 |
| 48 monthsEarly withdrawal penalty: 365 days interest | 2.65% | $1,103 |
| 60 monthsEarly withdrawal penalty: 545 days interest | 2.65% | $1,397 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
My MSB Retirement
Up to 4.50%APY · 9 terms
Early withdrawal of principal on term deposits, including IRAs, can result in penalties. Tax wrappers such as Traditional IRA and Roth IRA available with terms ranging from 3 to 60 months. Rates accurate as of 10/13/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 30 days interest | 2.35% | $58 |
| 6 monthsEarly withdrawal penalty: 90 days interest | 2.60% | $129 |
| 7 months7 Month IRA Special. Early withdrawal penalty: 90 days interest | 3.00% | $174 |
| 12 monthsEarly withdrawal penalty: 90 days interest | 3.50% | $350 |
| 18 monthsEarly withdrawal penalty: 180 days interest | 2.55% | $385 |
| 24 monthsEarly withdrawal penalty: 180 days interest | 4.25% | $868 |
| 36 monthsEarly withdrawal penalty: 365 days interest | 4.50% | $1,412 |
| 48 monthsEarly withdrawal penalty: 365 days interest | 2.65% | $1,103 |
| 60 monthsEarly withdrawal penalty: 545 days interest | 2.65% | $1,397 |
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.