Credit union · NCUA insured
The County Federal Credit Union Savings Rates
Top CarrotThe County Federal Credit Union’s best savings rate is 1.31% APY on $10,000, with its Premium Savings. Rates checked October 22, 2026.
How The County Federal Credit Union’s savings 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
1.31%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $131
Premium Savings
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Seaboard Federal Credit Union
2.90%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $290
The County Federal Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.31%
- $100,000 balance$100,0002.12%
- QualifiedQualified1.31%
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 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.
Premium Savings
1.31%APY
Tiered rates depending on deposit balance. Dividends compounded daily and paid monthly. Rates effective October 15, 2026. Rates may change after opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $10,000 | 1.31% | $131 |
| $10,000 – $50,000 | 1.81% | — |
| $50,000 – $100,000 | 2.12% | — |
| Over $100,000 | 2.78% | — |
Share Savings
0.15%APY
Foundation of credit union membership. Dividends compounded daily and paid monthly. No monthly fees. Borrow against shares for 3% above dividend rate earned. Up to $4,000 AD&D insurance available at no cost upon application. Rates effective October 15, 2026. Transfer limitations apply (max 6 preauthorized/automatic transfers per month).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.15% | — |
| $100 – $500 | 0.15% | — |
| Over $500 | 0.15% | $15 |
Special-purpose accounts
Traditional/Roth/ESA Club
0.40%APY
Dividends compounded daily and paid monthly on Traditional and Roth IRA Share Accounts and ESA Club Accounts. Minimum balance $100. Early withdrawal penalties may apply. Rates effective October 15, 2026. Rates may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.40% | $40 |
Sources (2)
All captured Oct 22, 2026
Christmas/Multipurpose Club
0.20%APY
No monthly fee. Dividends compounded daily and paid monthly. Rates may change after the account is opened. Rates effective October 15, 2026.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Escrow Club
0.12%APY
No monthly fee. Dividends compounded daily and paid monthly. Rates may change after the account is opened. Rates effective October 15, 2026.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.12% | $12 |
Health Savings Account (HSA)
0.05%APY
No minimum balance required. No monthly service fee and no per-check fee. Dividends compounded daily and paid monthly on balances above $2,500.00. Rates effective October 15, 2026.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| Over $2,500 | 0.05% | $5 |
Sources (2)
All 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.