Credit union · NCUA insured
Maine Savings Federal Credit Union CD Rates
Maine Savings Federal Credit Union’s best CD rate is 4.00% APY on a 23-month share certificate (CD). Terms run from 6 months to 66 months. Rates checked October 22, 2026.
How Maine Savings Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bangor, ME, where Maine Savings Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Maine Savings Federal Credit Union
4.00%APY
- Term
- 23 months
- Minimum
- $500
- Earns on $10,000
- $781
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 Savings Federal Credit Union CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Savings 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 4.00%APY · 15 terms
Certificate rates are fixed for the term of the account. Dividends compounded and credited monthly; calculated using the daily balance method. Additional deposits not permitted after opening. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNot available for IRA | 3.25% | $161 |
| 7 monthsNot available for IRA | 3.75% | $217 |
| 8 monthsNot available for IRA | 3.80% | $252 |
| 9 monthsNot available for IRA | 3.80% | $284 |
| 11 monthsNot available for IRA | 3.85% | $352 |
| 12 months | 3.50% | $350 |
| 15 months | 3.90% | $490 |
| 18 months | 3.95% | $598 |
| 23 months | 4.00% | $781 |
| 24 months | 3.75% | $764 |
| 31 months | 4.00% | $1,066 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.95% | $1,676 |
| 60 months | 4.00% | $2,167 |
| 66 months | 4.00% | $2,407 |
Sources (3)
- mainesavings.com/wp-content/up…ds/2024/04/MSRateFee.pdf
- mainesavings.com/rates
- mainesavings.com/personal/savings/certificates
All captured Oct 15, 2026
Elevate Certificates
Up to 3.70%APY · 2 terms
Allows additional contributions to balance anytime. Certificate rates are fixed for the term of the account. Dividends compounded and credited monthly; calculated using daily balance method. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 27 monthsAdd to balance anytime | 3.60% | $828 |
| 39 monthsAdd to balance anytime | 3.70% | $1,253 |
Sources (3)
- mainesavings.com/wp-content/up…ds/2024/04/MSRateFee.pdf
- mainesavings.com/rates
- mainesavings.com/personal/savings/certificates
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 7 terms
Certificate rates are fixed for the term of the account. Dividends compounded and credited monthly; calculated using daily balance method. Available for Traditional and Roth IRAs. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 18 months | 3.95% | $598 |
| 24 months | 3.75% | $764 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.95% | $1,676 |
| 60 months | 4.00% | $2,167 |
| 66 months | 4.00% | $2,407 |
Who can join Maine Savings 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 available based on where you live.
Employers and groups
- Membership is available based on where you work.
Family and household
- Membership is available based on relationship to another member.
Cost to join
- Membership requires depositing $5 to buy a share in a share account ($5 per member; refundable if leaving membership).
Membership information collected October 4, 2026.