Credit union · NCUA insured
Maine Highlands Federal Credit Union Savings Rates
Maine Highlands Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Shares (Savings). Rates checked October 3, 2026.
How Maine Highlands Federal Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Shares (Savings)
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Seaboard Federal Credit Union
2.90%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $290
Maine Highlands Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 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.
Shares (Savings)
0.10%APY
A minimum of $5.00 is required to maintain a savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.10% | — |
| $2,501 and up | 0.10% | $10 |
Special-purpose accounts
IRA Shares
0.50%APY
Opening Fee $10.00. Available as Traditional or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upOpening Fee $10.00$50 and up | 0.50% | $50 | Opening Fee $10.00 |
Sources (2)
All captured Oct 3, 2026
Clubs
0.10%APY
Club accounts offered include Christmas, Vacation, All-Purpose, Critter, and Household Clubs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Greenbucks
0.10%APY
Youth account for ages 14 to 17.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRate is same as shares (0.10% / 0.100% APY); for ages 14-17$50 and up | 0.10% | $10 | Rate is same as shares (0.10% / 0.100% APY); for ages 14-17 |
Sources (2)
All captured Oct 3, 2026
Health Savings Accounts
0.10%APY
No monthly fee. No opening fee. Contributions and earnings are tax-free for qualified medical expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.10% | $10 |
Sources (2)
All captured Oct 3, 2026
Monty Moose
0.10%APY
Youth account for ages 3 to 13. Every deposit makes member eligible for a monthly prize drawing.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRate is same as shares (0.10% / 0.100% APY); for ages 3-13$10 and up | 0.10% | $10 | Rate is same as shares (0.10% / 0.100% APY); for ages 3-13 |
Sources (2)
All captured Oct 3, 2026
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.