Credit union · NCUA insured
Town & Country Federal Credit Union CD Rates
Top CarrotTown & Country Federal Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Town & Country Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, ME, where Town & Country Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Town & Country Federal Credit Union
3.82%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $382
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
Town & Country Federal Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.82%
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 Town & Country 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.
Certificate
Up to 3.82%APY · 9 terms
Penalties may apply for early withdrawal. Requires $500 minimum opening deposit. Dividends can be withdrawn when and how desired. Automatically rolls over at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 3.04% | $151 |
| 12 monthsSpecial promotional rate | 3.82% | $382 |
| 18 monthsSpecial promotional rate | 3.82% | $578 |
| 24 monthsSpecial promotional rate | 3.82% | $779 |
| 30 months | 2.63% | $671 |
| 36 months | 2.68% | $826 |
| 48 months | 2.73% | $1,138 |
| 60 months | 2.78% | $1,469 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
IRA Certificate
Up to 3.82%APY · 9 terms
Available in Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees. $500 minimum opening deposit. Penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 3.04% | $151 |
| 12 monthsSpecial promotional rate | 3.82% | $382 |
| 18 monthsSpecial promotional rate | 3.82% | $578 |
| 24 monthsSpecial promotional rate | 3.82% | $779 |
| 30 months | 2.63% | $671 |
| 36 months | 2.68% | $826 |
| 48 months | 2.73% | $1,138 |
| 60 months | 2.78% | $1,469 |
Sources (2)
All captured Oct 3, 2026
Who can join Town & Country 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
- Individuals who live, work, attend school, or worship in Cumberland or York County, Maine are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
Family and household
- Family members of individuals eligible through Cumberland or York County residency/work/school/worship, or of current credit union members, are eligible for membership.
Membership information collected October 4, 2026.