Bank · FDIC insured
Maine Community Bank CD Rates
Maine Community Bank’s best CD rate is 3.95% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Maine Community Bank’s CD rates compare
Compared with banks and credit unions near Portland, ME, where Maine Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Maine Community Bank
3.95%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $395
Certificates of Deposit (CDs) – Special Offerings
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Maine Community Bank CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo2.00%
- QualifiedQualified3.95%
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 Maine Community 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.
Certificates of Deposit (CDs) – Special Offerings
Up to 3.95%APY · 3 terms
Certificates of Deposit are available for personal banking and business banking customers. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals. Any withdrawals could reduce earnings. For more information on terms, rates, or products, please contact us .
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month Special | 3.50% | $173 |
| 12 months12 Month Special | 3.95% | $395 |
| 25 months25 Month Special | 3.95% | $841 |
Sources (1)
- maine.bank/rates · captured Oct 15, 2026
Certificates of Deposit (CDs) – Standard Rates
Up to 2.25%APY · 8 terms
Certificates of Deposit are available for personal banking and business banking customers. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals. Any withdrawals could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day term | 2.25% | $56 |
| 6 months6 Month term | 2.25% | $112 |
| 12 months12 Month term | 2.00% | $200 |
| 18 months18 Month term | 2.00% | $301 |
| 24 months24 Month term | 2.00% | $404 |
| 36 months36 Month term | 2.00% | $612 |
| 48 months48 Month term | 2.00% | $824 |
| 60 months60 Month term | 2.00% | $1,041 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs) – Special Offerings
Up to 3.95%APY · 3 terms
Using a Certificate of Deposit as an Individual Retirement Account (IRA). Available as Traditional IRA and Roth IRA. Business customers are not eligible for Individual Retirement Accounts. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals. Any withdrawals could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month Special | 3.50% | $173 |
| 12 months12 Month Special | 3.95% | $395 |
| 25 months25 Month Special | 3.95% | $841 |
Sources (2)
All captured Oct 15, 2026
Individual Retirement Accounts (IRAs) – Standard Rates
Up to 2.25%APY · 7 terms
Using a Certificate of Deposit as an Individual Retirement Account (IRA). Available as Traditional IRA and Roth IRA. Business customers are not eligible for Individual Retirement Accounts. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals. Any withdrawals could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month term | 2.25% | $112 |
| 12 months12 Month term | 2.00% | $200 |
| 18 months18 Month term | 2.00% | $301 |
| 24 months24 Month term | 2.00% | $404 |
| 36 months36 Month term | 2.00% | $612 |
| 48 months48 Month term | 2.00% | $824 |
| 60 months60 Month term | 2.00% | $1,041 |
Sources (2)
All captured Oct 15, 2026
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.