Credit union · NCUA insured
Maine Family Federal Credit Union CD Rates
Top CarrotMaine Family Federal Credit Union’s best CD rate is 4.50% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Maine Family Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lewiston, ME, where Maine Family Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Maine Family Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Share Certificates
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Dirigo Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Maine Family Federal Credit Union CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.40%
- 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 Maine Family Federal Credit Union 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.
Share Certificates
Up to 4.50%APY · 6 terms
Dividends accrued daily and compounded monthly. Penalty for early withdrawal: less than 24 months duration is 90 days dividends; 24 months or more duration is 180 days interest. Automatically renews with 7-day grace period. Wisdom Program members (age 60+) receive a 0.10% APY bonus.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.20% | $208 |
| 12 months | 4.30% | $430 |
| 24 months | 4.40% | $899 |
| 36 months | 4.50% | $1,412 |
| 48 months | 4.50% | $1,925 |
| 60 months | 4.50% | $2,462 |
Sources (2)
- mainefamilyfcu.com/accounts/sa…/certificates-of-deposit
- mainefamilyfcu.com/accounts/savings/wisdom-accounts
All captured Oct 3, 2026
Special-purpose accounts
Individual Retirement Account Certificates
Up to 4.50%APY · 5 terms
Dividends accrued daily, compounded monthly. No annual maintenance fees. $50.00 fee if closed within 12 months of opening date. Withdrawals prior to age 59 1/2 may be penalized 10% by IRS. Wisdom Program members (age 60+) receive a 0.10% APY bonus.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.30% | $430 |
| 24 months | 4.40% | $899 |
| 36 months | 4.50% | $1,412 |
| 48 months | 4.50% | $1,925 |
| 60 months | 4.50% | $2,462 |
Who can join Maine Family Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, Waldo, or York counties are eligible for membership.
Family and household
- Individuals who have a family member (spouse, parent, grandparent, sibling, child, or grandchild) who is currently a member are eligible for membership.
Cost to join
- Opening a Share Savings Account with a minimum deposit of $5.00 is required to become a member.
Membership information collected October 4, 2026.