Credit union · NCUA insured
Seaboard Federal Credit Union CD Rates
Top CarrotSeaboard Federal Credit Union’s best CD rate is 4.13% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Seaboard Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bangor, ME, where Seaboard Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Seaboard Federal Credit Union
4.02%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,178
Certificate
Top rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
The County Federal Credit Union
4.49%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $564
Seaboard Federal Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo3.61%
- 9–15 months9–15 mo3.87%
- 16–30 months16–30 mo3.92%
- 31–60 months31–60 mo4.02%
- QualifiedQualified4.02%
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 Seaboard 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.
Premium Certificate
Up to 4.13%APY · 8 terms
Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.20% | — |
| 6 months | 3.71% | — |
| 12 months | 3.97% | — |
| 18 months | 4.02% | — |
| 24 months | 3.92% | — |
| 36 months | 3.92% | — |
| 48 months | 4.02% | — |
| 60 months | 4.13% | — |
Sources (2)
All captured Oct 15, 2026
Certificate
Up to 4.02%APY · 8 terms
Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Choice of dividend payment, either monthly or posted at maturity. Flexible maturities from 3 Months to 5 Years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.09% | $76 |
| 6 months | 3.61% | $179 |
| 12 months | 3.87% | $387 |
| 18 months | 3.92% | $594 |
| 24 months | 3.82% | $779 |
| 36 months | 3.82% | $1,190 |
| 48 months | 3.92% | $1,663 |
| 60 months | 4.02% | $2,178 |
Sources (3)
- seaboardfcu.com/Banking/Personal/Share-Certificates
- seaboardfcu.com/Rates/Savings-Rates
- seaboardfcu.com/pdf/members/me…ate-and-fee-schedule.pdf
All captured Oct 15, 2026
Special-purpose accounts
Premium IRA Certificate
Up to 4.13%APY · 8 terms
Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.20% | — |
| 6 months | 3.71% | — |
| 12 months | 3.97% | — |
| 18 months | 4.02% | — |
| 24 months | 3.92% | — |
| 36 months | 3.92% | — |
| 48 months | 4.02% | — |
| 60 months | 4.13% | — |
Sources (2)
All captured Oct 15, 2026
HSA Certificate
Up to 4.02%APY · 8 terms
Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.09% | $76 |
| 6 months | 3.61% | $179 |
| 12 months | 3.87% | $387 |
| 18 months | 3.92% | $594 |
| 24 months | 3.82% | $779 |
| 36 months | 3.82% | $1,190 |
| 48 months | 3.92% | $1,663 |
| 60 months | 4.02% | $2,178 |
Sources (2)
All captured Oct 15, 2026
IRA Certificate
Up to 4.02%APY · 8 terms
Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Available for Roth IRA, Traditional IRA, and Coverdell Education Savings Account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.09% | $76 |
| 6 months | 3.61% | $179 |
| 12 months | 3.87% | $387 |
| 18 months | 3.92% | $594 |
| 24 months | 3.82% | $779 |
| 36 months | 3.82% | $1,190 |
| 48 months | 3.92% | $1,663 |
| 60 months | 4.02% | $2,178 |
Sources (3)
- seaboardfcu.com/Rates/Savings-Rates
- seaboardfcu.com/pdf/members/me…ate-and-fee-schedule.pdf
- seaboardfcu.com/Banking/Personal/IRA
All captured Oct 15, 2026
Who can join Seaboard Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.