Bank · FDIC insured
Maine Community Bank Savings Rates
Maine Community Bank’s best savings rate is 2.00% APY on $10,000, with its Reserve High-Yield Money Market. Rates checked October 22, 2026.
How Maine Community Bank’s savings 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
2.07%APY
- Requires
- Another account
- Minimum
- $1
- Earns on $10,000 a year
- $207
207 Savings
Top rate
Lighthouse Credit Union
3.85%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Northeast Bank
3.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
Maine Community Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.35%
- QualifiedQualified2.07%
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.
Where Maine Community Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Reserve High-Yield Money Market
2.00%APY
Tiered interest-bearing account. Six preauthorized transfers per statement cycle. No monthly maintenance service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Stated minimum opening balance is required to obtain APY. | 2.00% | $200 | Stated minimum opening balance is required to obtain APY. |
| $50,000 – $100,000Stated minimum opening balance is required to obtain APY. | 2.15% | — | Stated minimum opening balance is required to obtain APY. |
| $100,000 – $175,000Stated minimum opening balance is required to obtain APY. | 2.35% | — | Stated minimum opening balance is required to obtain APY. |
| $175,000 – $250,000Stated minimum opening balance is required to obtain APY. | 2.80% | — | Stated minimum opening balance is required to obtain APY. |
| $250,000 – $500,000Stated minimum opening balance is required to obtain APY. | 3.10% | — | Stated minimum opening balance is required to obtain APY. |
| $500,000 – $1,000,000Stated minimum opening balance is required to obtain APY. | 3.35% | — | Stated minimum opening balance is required to obtain APY. |
| $1,000,000 and upStated minimum opening balance is required to obtain APY. | 3.50% | — | Stated minimum opening balance is required to obtain APY. |
Sources (1)
- maine.bank/rates · captured Oct 15, 2026
207 Savings
2.07%APY
207 Rewards Checking Account required. No monthly maintenance service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000Requires 207 Rewards Checking Account. No monthly maintenance service charge. | 2.07% | $207 | Requires 207 Rewards Checking Account. No monthly maintenance service charge. |
| $250,000 and upRequires 207 Rewards Checking Account. Maximum balance to earn interest is $249,999.99. | 0.00% | — | Requires 207 Rewards Checking Account. Maximum balance to earn interest is $249,999.99. |
Sources (3)
All captured Oct 3, 2026
Champion High-Yield Money Market
0.40%APY
Tiered interest-bearing account. Six preauthorized transfers per statement cycle. No monthly maintenance service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Stated minimum opening balance is required to obtain APY. | 0.25% | — | Stated minimum opening balance is required to obtain APY. |
| $10,000 – $25,000Stated minimum opening balance is required to obtain APY. | 0.40% | $40 | Stated minimum opening balance is required to obtain APY. |
| $25,000 – $50,000Stated minimum opening balance is required to obtain APY. | 0.50% | — | Stated minimum opening balance is required to obtain APY. |
| $50,000 – $100,000Stated minimum opening balance is required to obtain APY. | 1.00% | — | Stated minimum opening balance is required to obtain APY. |
| $100,000 – $250,000Stated minimum opening balance is required to obtain APY. | 2.00% | — | Stated minimum opening balance is required to obtain APY. |
| $250,000 and upStated minimum opening balance is required to obtain APY. | 2.00% | — | Stated minimum opening balance is required to obtain APY. |
Sources (1)
- maine.bank/rates · captured Oct 15, 2026
Essential Money Market
0.15%APY
Tiered interest-bearing account. Six preauthorized transfers per statement cycle. No monthly maintenance service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Stated minimum opening balance is required to obtain APY. | 0.15% | $15 | Stated minimum opening balance is required to obtain APY. |
| $20,000 – $50,000Stated minimum opening balance is required to obtain APY. | 0.20% | — | Stated minimum opening balance is required to obtain APY. |
| $50,000 – $100,000Stated minimum opening balance is required to obtain APY. | 0.25% | — | Stated minimum opening balance is required to obtain APY. |
| $100,000 – $250,000Stated minimum opening balance is required to obtain APY. | 0.25% | — | Stated minimum opening balance is required to obtain APY. |
| $250,000 – $750,000Stated minimum opening balance is required to obtain APY. | 1.50% | — | Stated minimum opening balance is required to obtain APY. |
| $750,000 and upStated minimum opening balance is required to obtain APY. | 1.50% | — | Stated minimum opening balance is required to obtain APY. |
Sources (1)
- maine.bank/rates · captured Oct 15, 2026
Essential Savings
0.05%APY
No monthly maintenance service charge. Six preauthorized transfers per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500No monthly maintenance service charge. | 0.05% | — | No monthly maintenance service charge. |
| $2,500 – $10,000No monthly maintenance service charge. | 0.05% | — | No monthly maintenance service charge. |
| $10,000 – $25,000No monthly maintenance service charge. | 0.05% | $5 | No monthly maintenance service charge. |
| $25,000 – $50,000No monthly maintenance service charge. | 0.10% | — | No monthly maintenance service charge. |
| $50,000 – $100,000No monthly maintenance service charge. | 0.10% | — | No monthly maintenance service charge. |
| $100,000 and upNo monthly maintenance service charge. | 0.10% | — | No monthly maintenance service charge. |
Sources (3)
All captured Oct 3, 2026
Special-purpose accounts
Health Savings Account
0.50%APY
Tax-exempt savings plan for individuals with high-deductible health plans (HDHP). No monthly maintenance service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upTax-exempt savings plan for individuals with high-deductible health plans (HDHP). No monthly maintenance service charge.$1 and up | 0.50% | $50 | Tax-exempt savings plan for individuals with high-deductible health plans (HDHP). No monthly maintenance service charge. |
Sources (3)
All captured Oct 22, 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.