Credit union · NCUA insured
Milestones Federal Credit Union CD Rates
Milestones Federal Credit Union’s best CD rate is 4.07% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Milestones Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lewiston, ME, where Milestones Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Milestones Federal Credit Union
4.07%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $617
Share Certificate
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Dirigo Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Milestones Federal Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.66%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo4.07%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.07%
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 Milestones 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 Certificate
Up to 4.07%APY · 7 terms
$500.00 minimum balance to open. Automatically renewable. Dividends paid monthly based on average daily balance. Dividends may be added to certificate or deposited to account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.66% | $181 |
| 12 months | 3.45% | $345 |
| 18 months | 4.07% | $617 |
| 24 months | 3.25% | $660 |
| 36 months | 3.25% | $1,006 |
| 48 months | 3.25% | $1,363 |
| 60 months | 3.25% | $1,732 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Traditional IRA Share Certificate
Up to 4.07%APY · 7 terms
Requires a minimum balance of $500.00. Account owner must have a primary Share (Savings) Account with a $5 minimum deposit opened in their name. No annual fee, no maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.66% | $181 |
| 12 months | 3.45% | $345 |
| 18 months | 4.07% | $617 |
| 24 months | 3.25% | $660 |
| 36 months | 3.25% | $1,006 |
| 48 months | 3.25% | $1,363 |
| 60 months | 3.25% | $1,732 |
Sources (2)
All captured Oct 15, 2026
Who can join Milestones 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
- Anyone who lives, works, worships, attends school, or volunteers in Androscoggin or Cumberland counties is eligible to join.
Family and household
- Individuals who have a family member who is an existing member are eligible to join.
Cost to join
- Joining requires opening a share savings account with a minimum $5.00 deposit.
Membership information collected October 4, 2026.