Credit union · NCUA insured
Maine Savings Federal Credit Union Savings Rates
Maine Savings Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How Maine Savings Federal Credit Union’s savings 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
0.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $75
RedWallet® Saver
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 Savings Federal Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.75%
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 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.
RedWallet® Saver
Up to 0.75%APY
Give RedWallet Cash or RedWallet Cash Back account a companion. Rewards and ATM refunds sweep into RedWallet Saver. No minimum balance and no monthly fees. Rates depend on meeting RedWallet qualification cycle requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Qualifications met | 0.75% | $75 | Qualifications met |
| Any balanceQualifications not met | 0.05% | $5 | Qualifications not met |
| $25,000 – $50,000Qualifications met | 1.00% | — | Qualifications met |
| $50,000 – $100,000Qualifications met | 1.26% | — | Qualifications met |
| $100,000 – $250,000Qualifications met | 2.02% | — | Qualifications met |
| $250,000 and upQualifications met | 2.78% | — | Qualifications met |
Sources (2)
All captured Oct 3, 2026
Money Market Accounts
0.10%APY
Tiered rate account where the dividend rate and APY for a particular tier apply to the entire balance in the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Minimum balance to earn dividends is $2,500. | 0.10% | $10 | Minimum balance to earn dividends is $2,500. |
| $25,000 – $50,000Minimum balance to earn dividends is $25,000. | 0.20% | — | Minimum balance to earn dividends is $25,000. |
| $50,000 – $100,000Minimum balance to earn dividends is $50,000. | 0.50% | — | Minimum balance to earn dividends is $50,000. |
| $100,000 – $250,000Minimum balance to earn dividends is $100,000. | 0.60% | — | Minimum balance to earn dividends is $100,000. |
| $250,000 and upMinimum balance to earn dividends is $250,000. | 0.75% | — | Minimum balance to earn dividends is $250,000. |
Sources (3)
- mainesavings.com/wp-content/up…ds/2024/04/MSRateFee.pdf
- mainesavings.com/rates
- mainesavings.com/personal/savings/money-market-accounts
All captured Oct 15, 2026
Savings (Share) Accounts
0.10%APY
Secure Maine Savings membership with $5.00 minimum balance. Earn and receive monthly dividends based on average daily balance. $5 per member minimum deposit to open account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 per member minimum to earn dividends$5 and up | 0.10% | $10 | $5 per member minimum to earn dividends |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
Health Savings Share Draft Account
0.50%APY
Tax-advantaged savings account to cover qualified medical expenses on a tax-free basis. Balance rolls over yearly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
All captured Oct 3, 2026
Club Accounts
0.10%APY
Designated account for goals (e.g. Holiday Club / Create Your Own). Holiday Club balance transferred directly to Savings account on October 15th. Withdraw funds at any time. Dividends calculated on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 3, 2026
Floating IRA (Savings Account)
0.10%APY
Individual Retirement Savings Account (Traditional / Roth). Funds insured up to $1,000,000 with private excess insurance over $250,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- mainesavings.com/rates
- mainesavings.com/personal/savings/iras
- mainesavings.com/rate/floating-ira-savings-account
All captured Oct 3, 2026
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.