Credit union · NCUA insured
Maine State Credit Union Savings Rates
Maine State Credit Union’s best savings rate is 0.85% APY on $10,000, with its Advantage Savings. Rates checked October 22, 2026.
How Maine State Credit Union’s savings 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
0.85%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $85
Advantage Savings
Top rate
Northeast Bank
3.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
2nd-highest rate
Camden National Bank
2.65%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $265
Maine State Credit Union savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.85%
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 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.
Advantage Savings
0.85%APY
Tiered, blended-rate account. Minimum balance to open account is $2,000 and must maintain a minimum average daily balance of $2,000.00 during the dividend period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $25,000Tiered, blended rate applied to portion of balance within tier. | 0.85% | $85 | Tiered, blended rate applied to portion of balance within tier. |
| $25,000 – $50,000Tiered, blended rate applied to portion of balance within tier. | 1.10% | — | Tiered, blended rate applied to portion of balance within tier. |
| $50,000 – $100,000Tiered, blended rate applied to portion of balance within tier. | 1.50% | — | Tiered, blended rate applied to portion of balance within tier. |
| $100,000 – $250,000Tiered, blended rate applied to portion of balance within tier. | 1.80% | — | Tiered, blended rate applied to portion of balance within tier. |
| Over $250,000Tiered, blended rate applied to portion of balance within tier. | 2.60% | — | Tiered, blended rate applied to portion of balance within tier. |
Sources (2)
All captured Oct 3, 2026
Share Savings
0.05%APY
Member-ownership with $5 deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.75%APY
Distribution of funds made for reasons other than qualified medical expenses may be subject to tax penalties. Consult tax advisor.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Sources (2)
All captured Oct 3, 2026
IRA / Roth IRA (Share Savings)
0.75%APY
Consult financial or tax advisor to understand tax benefits and implications.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional IRA and Roth IRA Share Savings accounts.Any balance | 0.75% | $75 | Applies to Traditional IRA and Roth IRA Share Savings accounts. |
Sources (2)
All captured Oct 3, 2026
Basic Club Savings
0.05%APY
No minimum balance requirement. Also referred to as All Purpose Club.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 3, 2026
Christmas Club Savings
0.05%APY
Funds transfer automatically to checking or basic savings account on October 1. No minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 3, 2026
Marty Mountain Kids Savings
0.05%APY
For kids ages 0-12 years.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAges 0-12.$5 and up | 0.05% | $5 | Ages 0-12. |
Sources (2)
All captured Oct 3, 2026
Smart Savings for Teens
0.05%APY
Designed for members ages 13-17. Can be paired with Everyday Checking or Rewards Plus Checking to receive a free debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAges 13-17.$5 and up | 0.05% | $5 | Ages 13-17. |
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.