Bank · FDIC insured
Saco & Biddeford Savings CD Rates
Saco & Biddeford Savings’s best CD rate is 4.00% APY on a 22-month CD. Terms run from 6 months to 7 years. Rates checked October 22, 2026.
How Saco & Biddeford Savings’s CD rates compare
Compared with banks and credit unions near Portland, ME, where Saco & Biddeford Savings has the most branches. $10,000, best rate first.
This bank’s best
Saco & Biddeford Savings
4.00%APY
- Term
- 22 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $746
Certificates of Deposit
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
Saco & Biddeford Savings CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.75%
- 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 Saco & Biddeford Savings ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.00%APY · 12 terms
$500 minimum balance to open the account. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 8 months | 3.75% | $248 |
| 12 months | 3.00% | $300 |
| 18 months | 3.75% | $568 |
| 22 monthsAvailable to customers with mutual checking or mutual interest checking accounts | 4.00% | $746 |
| 24 months | 3.00% | $609 |
| 30 months | 3.00% | $767 |
| 36 months | 2.90% | $895 |
| 42 months | 2.90% | $1,052 |
| 48 months | 2.90% | $1,211 |
| 60 months | 3.75% | $2,021 |
| 84 months | 2.90% | $2,215 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.