Credit union · NCUA insured
NorState Federal Credit Union CD Rates
Top CarrotNorState Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How NorState Federal Credit Union’s CD rates compare
Compared with banks and credit unions in Maine, where NorState Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NorState Federal Credit Union
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $400
Share Certificate Account
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
NorState Federal Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.00%
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 NorState 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 Account
Up to 4.00%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | $183 |
| 12 months | 4.00% | $400 |
| 18 months | 4.00% | $606 |
| 24 months | 3.65% | $743 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | $183 |
| 12 months | 4.00% | $400 |
| 18 months | 4.00% | $606 |
| 24 months | 3.65% | $743 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 15, 2026
Who can join NorState 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This may be incomplete or out of date, so check with the credit union before you apply.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 open to individuals who live, work, worship, or attend school in Aroostook County, Maine.
- Membership is open to individuals who live, work, worship, or attend school in Northern Penobscot County, Maine.
Family and household
- Membership is open to individuals who have a family member who is an existing member.
Membership information collected October 4, 2026.