Credit union · NCUA insured
The County Federal Credit Union CD Rates
Top CarrotThe County Federal Credit Union’s best CD rate is 4.49% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How The County Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Bangor, ME, where The County Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The County Federal Credit Union
4.49%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $564
Share Certificate
Top rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
3rd-highest rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
The County Federal Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo3.71%
- 9–15 months9–15 mo4.49%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo3.61%
- QualifiedQualified4.49%
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 The County 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
Up to 4.49%APY · 9 terms
Dividends are compounded daily and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.95% | $24 |
| 6 months | 3.71% | $184 |
| 12 months | 3.97% | $397 |
| 15 months | 4.49% | $564 |
| 18 months | 3.82% | $578 |
| 24 months | 3.76% | $766 |
| 36 months | 3.61% | $1,123 |
| 48 months | 3.56% | $1,502 |
| 60 months | 3.56% | $1,911 |
Sources (1)
- countyfcu.org/savings-certificates · captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Account Certificate (IRA)
Up to 4.49%APY · 9 terms
Dividends are compounded daily and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.95% | $24 |
| 6 months | 3.71% | $184 |
| 12 months | 3.97% | $397 |
| 15 months | 4.49% | $564 |
| 18 months | 3.82% | $578 |
| 24 months | 3.76% | $766 |
| 36 months | 3.61% | $1,123 |
| 48 months | 3.56% | $1,502 |
| 60 months | 3.56% | $1,911 |
Sources (1)
- countyfcu.org/savings-certificates · captured Oct 22, 2026
Education Savings Account Certificate (ESA)
Up to 3.97%APY · 8 terms
Dividends are compounded daily and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.95% | $24 |
| 6 months | 3.71% | $184 |
| 12 months | 3.97% | $397 |
| 18 months | 3.82% | $578 |
| 24 months | 3.76% | $766 |
| 36 months | 3.61% | $1,123 |
| 48 months | 3.56% | $1,502 |
| 60 months | 3.56% | $1,911 |
Sources (1)
- countyfcu.org/savings-certificates · captured Oct 22, 2026
Who can join The County 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
- Persons who live, work, worship, or attend school in Aroostook, Cumberland, Franklin, Hancock, Kennebec, Knox, Lincoln, Penobscot, Piscataquis, Sagadahoc, Somerset, Waldo, or Washington counties.
Employers and groups
- Entities or persons who own or operate a business located in or maintaining a facility in the eligible counties.
Family and household
- Immediate family members of current members.
Other ways
- Persons who take part in programs headquartered in the eligible counties.
- Persons who are volunteers in the community.
Membership information collected October 4, 2026.