Credit union · NCUA insured
Maine Family Federal Credit Union Savings Rates
Top CarrotMaine Family Federal Credit Union’s best savings rate is 2.25% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Maine Family Federal Credit Union’s savings 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
2.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $225
Money Market Account
Top rate
Northeast Bank
3.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
2nd-highest rate
Camden National Bank
2.65%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $265
Maine Family Federal Credit Union savings score
99
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0007.00%
- $10,000 balance$10,0007.00%
- $100,000 balance$100,0007.00%
- QualifiedQualified7.00%
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 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.
Change is Good! Share Account
Up to 7.00%APY
Tiered dividend share account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalance tier < $500 | 7.00% | $700 | Balance tier < $500 |
| $500 and upBalance tier $500+; APY is 7.00%-0.05% | 0.05% | $5 | Balance tier $500+; APY is 7.00%-0.05% |
Sources (1)
- mainefamilyfcu.com/accounts/savings/deposit-rates · captured Oct 3, 2026
Mini Money Market Account
0.05%APY
Rates subject to change after account opening at any time without notice. Earn 3.66% APY on the first $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500 | 3.66% | — | |
| $2,500 and upAPY stated as 3.66%-0.05% | 0.05% | $5 | APY stated as 3.66%-0.05% |
Sources (2)
- mainefamilyfcu.com/accounts/savings/deposit-rates
- mainefamilyfcu.com/accounts/sa…gs/money-market-accounts
All captured Oct 3, 2026
Money Market Account
2.25%APY
$2,500 minimum balance to earn dividends. Rate subject to change after account opening at any time without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 2.25% | $225 |
| $10,000 and up | 2.25% | $225 |
| $25,000 and up | 2.25% | — |
| $50,000 and up | 2.75% | — |
Sources (2)
- mainefamilyfcu.com/accounts/savings/deposit-rates
- mainefamilyfcu.com/accounts/sa…gs/money-market-accounts
All captured Oct 3, 2026
Shares
0.05%APY
An initial deposit of $5.00 is required upon joining the credit union to establish a Share Savings account and begin earning dividends on balances over $5.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 3, 2026
Insured Shares
0.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.00% | $0 |
Sources (1)
- mainefamilyfcu.com/accounts/savings/club-accounts · captured Oct 3, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA)
2.50%APY
Offers choice of variable or fixed rate investment. Dividends accrued daily and compounded monthly. No annual maintenance fees; $50.00 fee if closed within 12 months of opening. Rate applies to IRA Variable share savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upBalance tier $5+ | 2.50% | $250 | Balance tier $5+ |
| $10,000 and upBalance tier $10,000+ | 2.50% | $250 | Balance tier $10,000+ |
| $25,000 and upBalance tier $25,000+ | 2.50% | — | Balance tier $25,000+ |
| $50,000 and upBalance tier $50,000+ | 2.50% | — | Balance tier $50,000+ |
Sources (2)
- mainefamilyfcu.com/accounts/savings/deposit-rates
- mainefamilyfcu.com/accounts/sa…dual-retirement-accounts
All captured Oct 3, 2026
Health Savings Accounts
2.00%APY
Eligibility requires coverage under a qualified High Deductible Health Plan (HDHP) and not being covered by another health insurance carrier or Medicare. Offers tax-deductible contributions, tax-free interest growth, and no required balance to maintain the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.00% | $200 |
Sources (2)
- mainefamilyfcu.com/accounts/savings/club-accounts
- mainefamilyfcu.com/accounts/sa…/health-savings-accounts
All captured Oct 3, 2026
Club Accounts
0.05%APY
Special savings for planned expenses. Includes Holiday Club (balance transfers to savings/checking on October 1st), Vacation Club (balance deposits/transfers on May 1st), and Tax Club (funds set aside for April taxes). Deposits can be made via payroll deduction or auto transfer.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- mainefamilyfcu.com/accounts/savings/club-accounts · captured Oct 3, 2026
Youth Accounts
0.05%APY
Designed for children and teens to build savings habits. Includes Money Mammals Kids Club and Adolescent$ Teen Club (ages 13-18). Special promotion: Open by April 30, 2026 to have the $5 membership fee covered; first 20 new youth members in April receive an additional $20 deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 3, 2026
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.