Credit union · NCUA insured
Midcoast Federal Credit Union CD Rates
Midcoast Federal Credit Union’s best CD rate is 3.76% APY on a 5-year share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 22, 2026.
How Midcoast Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, ME, where Midcoast Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Midcoast Federal Credit Union
3.76%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,027
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
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Midcoast Federal Credit Union CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.58%
- 31–60 months31–60 mo3.76%
- QualifiedQualified3.76%
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 Midcoast 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 3.76%APY · 9 terms
Terms from 6 to 60 months. Dividends compounded and credited monthly. Fixed dividend rate and APY remain in effect until maturity. Automatically renews at maturity at the next highest regular term with a 10-day grace period. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsRequires an active Midcoast account relationship (active checking or credit card with minimum 5 transactions in last 30 days, or active consumer/home loan). If no active relationship exists, APY will be 0.25% less | 3.75% | $155 |
| 6 months | 3.13% | $155 |
| 10 monthsRequires an active Midcoast account relationship (active checking or credit card with minimum 5 transactions in last 30 days, or active consumer/home loan). If no active relationship exists, APY will be 0.25% less | 3.50% | $291 |
| 12 months | 3.33% | $333 |
| 18 months | 3.45% | $522 |
| 24 months | 3.58% | $729 |
| 36 months | 3.68% | $1,145 |
| 48 months | 3.72% | $1,573 |
| 60 months | 3.76% | $2,027 |
Sources (3)
- midcoastfcu.me/accounts/certificates-money-markets-iras
- midcoastfcu.me/accounts/person…th-in-savings-disclosure
- midcoastfcu.me/rates
All captured Oct 3, 2026
Special-purpose accounts
IRA Certificates
Up to 3.76%APY · 9 terms
Traditional and Roth IRA certificates available. Terms from 6 to 60 months. Dividends compounded and credited monthly. Fixed dividend rate and APY remain in effect until maturity. Early withdrawal penalty and IRS taxes/penalties may apply. No maintenance fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsAvailable for Traditional IRA certificates only. Requires an active Midcoast account relationship (active checking or credit card with minimum 5 transactions in last 30 days, or active consumer/home loan). If no active relationship exists, APY will be 0.25% less | 3.75% | $155 |
| 6 months | 3.13% | $155 |
| 10 monthsAvailable for Traditional IRA certificates only. Requires an active Midcoast account relationship (active checking or credit card with minimum 5 transactions in last 30 days, or active consumer/home loan). If no active relationship exists, APY will be 0.25% less | 3.50% | $291 |
| 12 months | 3.33% | $333 |
| 18 months | 3.45% | $522 |
| 24 months | 3.58% | $729 |
| 36 months | 3.68% | $1,145 |
| 48 months | 3.72% | $1,573 |
| 60 months | 3.76% | $2,027 |
Sources (3)
- midcoastfcu.me/accounts/certificates-money-markets-iras
- midcoastfcu.me/accounts/person…th-in-savings-disclosure
- midcoastfcu.me/rates
All captured Oct 3, 2026
Who can join Midcoast 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
- Individuals who live, work, worship, volunteer, or attend school in Waldo County, Knox County, Lincoln County, Sagadahoc County, Cumberland County, or the town of Durham in Androscoggin County, Maine are eligible for membership.
Family and household
- Immediate family members and individuals who share a household with eligible persons are eligible for membership.
Other ways
- Businesses and other legal entities within the field of membership are eligible for services/membership.
Cost to join
- A minimum $5.00 deposit into a Savings Account is required to start membership.
Membership information collected October 4, 2026.