Credit union · NCUA insured
Maine State Credit Union CD Rates
Maine State Credit Union’s best CD rate is 3.50% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Maine State Credit Union’s CD rates compare
Compared with banks and credit unions near Augusta, ME, where Maine State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Maine State Credit Union
3.50%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $86
Share Certificates
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Winthrop Area Federal Credit Union
4.28%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,331
Maine State Credit Union CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.50%
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 State 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 3.50%APY · 8 terms
Rates are fixed for the term of the account. Assumes dividends remain on deposit until maturity. Early withdrawal penalty may be imposed and will reduce earnings. Certificates renew at maturity with a 10-day grace period. Subject to membership eligibility. Must be opened with qualifying new money (funds not currently on deposit, or in combination with new money of $20,000+ to fund certificates in excess of $20,000).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 6 months | 3.35% | $166 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.45% | $702 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.15% | $1,677 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
IRA/Roth IRA Share Certificates
Up to 3.50%APY · 8 terms
Rates are fixed for the term of the account. Assumes dividends remain on deposit until maturity. Early withdrawal penalty may be imposed and will reduce earnings. Certificates renew at maturity with a 10-day grace period. Available as traditional IRA or Roth IRA. Contributions and tax benefits subject to IRS rules and income/workplace plan limits. Must be opened with qualifying new money (funds not currently on deposit, or in combination with new money of $20,000+ to fund certificates in excess of $20,000).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.50% | $86 |
| 6 months | 3.35% | $166 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.45% | $702 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.15% | $1,677 |
Sources (2)
All captured Oct 3, 2026
Who can join Maine State Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.