Credit union · NCUA insured
Maine Highlands Federal Credit Union CD Rates
Maine Highlands Federal Credit Union’s best CD rate is 4.07% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Maine Highlands Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bangor, ME, where Maine Highlands Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Maine Highlands Federal Credit Union
4.07%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,208
Share Certificates
Top rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
The County Federal Credit Union
4.49%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $564
Maine Highlands Federal Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo4.07%
- QualifiedQualified4.07%
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 Highlands 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 4.07%APY · 8 terms
A penalty may be imposed for early withdrawal. Rates quoted monthly (rate fixed for the term of the certificate). Dividends pay monthly, calculated at simple interest and compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal | 1.51% | $38 |
| 6 monthsA penalty may be imposed for early withdrawal | 2.53% | $126 |
| 12 monthsA penalty may be imposed for early withdrawal | 3.82% | $382 |
| 18 monthsA penalty may be imposed for early withdrawal | 3.04% | $459 |
| 24 monthsA penalty may be imposed for early withdrawal | 3.30% | $671 |
| 36 monthsA penalty may be imposed for early withdrawal | 3.56% | $1,106 |
| 48 monthsA penalty may be imposed for early withdrawal | 3.82% | $1,618 |
| 60 monthsA penalty may be imposed for early withdrawal | 4.07% | $2,208 |
Special-purpose accounts
IRA Certificates
Up to 4.07%APY · 10 terms
A penalty may be imposed for early withdrawal. Available as Traditional or Roth IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal | 3.56% | $88 |
| 6 monthsA penalty may be imposed for early withdrawal | 3.56% | $176 |
| 9 monthsA penalty may be imposed for early withdrawal | 3.56% | $266 |
| 12 monthsA penalty may be imposed for early withdrawal | 3.82% | $382 |
| 15 monthsA penalty may be imposed for early withdrawal | 3.56% | $447 |
| 18 monthsA penalty may be imposed for early withdrawal | 3.56% | $539 |
| 24 monthsA penalty may be imposed for early withdrawal | 3.56% | $725 |
| 36 monthsA penalty may be imposed for early withdrawal | 3.56% | $1,106 |
| 48 monthsA penalty may be imposed for early withdrawal | 4.07% | $1,730 |
| 60 monthsA penalty may be imposed for early withdrawal | 4.07% | $2,208 |
Who can join Maine Highlands 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
- Membership is open to persons who live, work, worship, or attend school in the rural district of Piscataquis, Penobscot, or Somerset Counties, Maine.
Employers and groups
- Membership is open to employees of the credit union.
Family and household
- Membership is open to members of the immediate families of eligible persons.
Other ways
- Membership is open to organizations of persons who are within the credit union's field of membership.
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Membership information collected October 4, 2026.