Credit union · NCUA insured
Saco Valley Credit Union CD Rates
A $196M credit union headquartered in Saco, ME, with 9,215 members and 4 branches in Maine.
How Saco Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, ME, where Saco Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Saco Valley Credit Union
4.23%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $532
IRA 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
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
IRA Certificate
Up to 4.23%APY · 8 terms
All Certificate Accounts are subject to a Fixed Rate. Par value of one full share in any account is $25.00. Minimum balance requirement for IRA and Share Certificates is $500.00. Early withdrawal penalty is the dividend amount for half the term of the Account. Dividends compounded daily, credited monthly.
| Term | APY · $500 and up | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.56% | — | — | 3.56% | $88 |
| 6 months | — | 3.66% | 3.71% | 3.66%3.71% from $50k | $181 |
| 12 months | — | 3.30% | 3.35% | 3.30%3.35% from $50k | $330 |
| 15 months | 4.23% | — | — | 4.23% | $532 |
| 24 months | — | 3.04% | 3.09% | 3.04%3.09% from $50k | $617 |
| 36 months | — | 3.20% | 3.25% | 3.20%3.25% from $50k | $991 |
| 48 months | — | 3.51% | 3.56% | 3.51%3.56% from $50k | $1,480 |
| 60 months | — | 3.71% | 3.76% | 3.71%3.76% from $50k | $1,998 |
Sources (1)
- sacovalley.org/certificates-iras · captured Oct 15, 2026
Share Certificate
Up to 4.23%APY · 8 terms
All Certificate Accounts are subject to a Fixed Rate. Par value of one full share in any account is $25.00. Minimum balance requirement for IRA and Share Certificates is $500.00. Early withdrawal penalty is the dividend amount for half the term of the Account. Dividends compounded daily, credited monthly.
| Term | APY · $500 and up | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.56% | — | — | 3.56% | $88 |
| 6 months | — | 3.66% | 3.71% | 3.66%3.71% from $50k | $181 |
| 12 months | — | 3.30% | 3.35% | 3.30%3.35% from $50k | $330 |
| 15 months | 4.23% | — | — | 4.23% | $532 |
| 24 months | — | 3.04% | 3.09% | 3.04%3.09% from $50k | $617 |
| 36 months | — | 3.20% | 3.25% | 3.20%3.25% from $50k | $991 |
| 48 months | — | 3.51% | 3.56% | 3.51%3.56% from $50k | $1,480 |
| 60 months | — | 3.71% | 3.76% | 3.71%3.76% from $50k | $1,998 |
Sources (1)
- sacovalley.org/certificates-iras · captured Oct 15, 2026
Who can join Saco Valley 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 anyone who lives, works, attends school, or worships in Cumberland or York County in Maine.
Family and household
- Membership is open to immediate family members of existing members, including parents, spouse, children, siblings, grandchildren, or grandparents.
Cost to join
- Membership requires opening a savings account with a $25 deposit, reflecting ownership in the credit union.
Membership information collected October 4, 2026.