Credit union · NCUA insured
Seaboard Federal Credit Union Savings Rates
Top CarrotSeaboard Federal Credit Union’s best savings rate is 2.90% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Seaboard Federal Credit Union’s savings 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
2.90%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $290
Money Market Savings
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
3rd-highest rate
Camden National Bank
2.65%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $265
Seaboard Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0002.90%
- $100,000 balance$100,0002.90%
- QualifiedQualified2.90%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
2.90%APY
Dividends are accrued daily and compounded/credited monthly. $25 minimum opening deposit; $2,500 minimum balance to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance of $2,500 to earn stated APY. Dividends accrued daily and compounded/credited monthly.$2,500 and up | 2.90% | $290 | Minimum balance of $2,500 to earn stated APY. Dividends accrued daily and compounded/credited monthly. |
Share Savings Account
0.25%APY
A Share (Savings) Account is required for credit union membership ($5 membership savings required). Dividends compounded and credited monthly based on daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.25% | $25 |
Special-purpose accounts
Health Savings Account
2.90%APY
Dividends compounded and credited monthly based on daily balance. Health Savings Account for medical expenses.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Any balance$0 to open | 2.90% | $0 | $290 |
| Any balance$5 to open | 2.90% | $5 | $290 |
IRA Savings
2.90%APY
Must be a Credit Union member. Dividends paid monthly. Supports Traditional IRA, Roth IRA, and Coverdell Education Savings Account. Deposits can be made by payroll deductions, in person, or by mail.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Any balance$5 to open | 2.90% | $5 | $290 |
| $5 and upUnknown to open | 2.90% | Unknown | $290 |
Christmas Club
0.25%APY
Automatically transferred to Savings on Sept 30th. Dividends compounded and credited monthly based on daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAutomatically transferred to Savings on Sept 30th.Any balance | 0.25% | $25 | Automatically transferred to Savings on Sept 30th. |
| Any balance | 0.25% | $25 |
Sources (2)
All captured Oct 3, 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.