Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 36 results in Maine
- 4.55%APY$455 over 1 year on $10,000with conditions
Requirements
Product: Propel Relationship CD rates include an additional 0.15% APY and are only available when customer opens or already has a Propel Premier Checking Account and Propel Preferred Savings Account. Consumer accounts are available to Maine and New Hampshire residents only. Opening deposit must be new money. Must be opened in a banking center. Early withdrawal penalties may apply. Fees could reduce earnings.
Offer: Requires qualifying Propel Premier Checking and Propel Preferred Savings accounts. Must be opened in a banking center. A minimum daily balance of $0.01 is required to earn the stated APY. Opening deposit must be new money. Early withdrawal penalties may apply.
Qualified rate · 4.46% interest rate · Effective Oct 14, 2026
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More details - 4.40%APY$440 over 1 year on $10,000intro rate
Requirements
Product: Consumer accounts are available to Maine and New Hampshire residents only. Opening deposit must be new money (not on deposit with Northeast Bank). Early withdrawal penalties may apply. Fees could reduce earnings.
Offer: A minimum daily balance of $0.01 is required to earn the stated APY. Opening deposit must be new money. Early withdrawal penalties may apply.
Promotional rate · 4.31% interest rate · Effective Oct 14, 2026
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More details - 4.25%APY
Requirements
Product: Minimum deposit to open the CD and obtain the APY is $500. Signature Banking Customers receive an increase of 0.10% on all new and renewed CDs. Combo CDs are offered to those customers who have an existing Eagle Bank checking account.
Offer: 6-16 Month CD Special accounts are available during a special promotion period only. Minimum deposit is $10,000. A penalty will be imposed for withdrawals before maturity. CDs will automatically renew at a 12-month term at the regular 12-month CD rate being offered by the Bank at the time of renewal.
4.17% interest rate · Effective Oct 30, 2026
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More details - 4.15%APY$415 over 1 year on $10,000on balances up to $10,000
Requirements
Product: Minimum opening deposit $250. Rates accurate as of 10/29/2026. 10-calendar-day grace period at maturity. Automatically renews to non-promotional rate unless action taken. Promotional rates vary by term and balance.
Offer: Promotional APY 12-month term
Effective Oct 29, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Interest is compounded continuously. A penalty may be imposed for early withdrawal. Rates subject to change prior to issuance; fixed after issuance. Automatic renewal at maturity.
Offer: Interest compounded continuously; early withdrawal penalty may apply. Rate fixed after issuance.
4.01% interest rate · Effective Oct 21, 2026
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More details - 4.14%APY$414 over 1 year on $10,000on balances up to $10,000
Requirements
Product: Minimum opening deposit $250. Rates accurate as of 10/29/2026. 10-calendar-day grace period at maturity. Automatically renews to non-promotional rate unless action taken. Promotional rates vary by term and balance.
Offer: Non-Promotional APY 12-month term
Effective Oct 29, 2026
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More details - 4.07%APY$407 over 1 year on $10,000
4.00% interest rate · Effective Oct 27, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: Assumes interest will remain on deposit until maturity. A penalty may be charged for early withdrawal. A withdrawal will reduce earnings.
3.93% interest rate · Effective Nov 12, 2026
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More details - Maine Community BankCertificates of Deposit (CDs) – Special OfferingsCD · 12 months · $500 min
Bank · 22 branches
3.95%APY$395 over 1 year on $10,000intro rateRequirements
Product: Certificates of Deposit are available for personal banking and business banking customers. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals. Any withdrawals could reduce earnings. Fees may reduce earnings. For more information on terms, rates, or products, please contact us .
Offer: 12 Month Special
Promotional rate · Effective Nov 5, 2026
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More details - 3.85%APY$385 over 1 year on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal. Annual Percentage Yield assumes interest remains on deposit until maturity.
Offer: CD Special.
3.78% interest rate · Effective Oct 29, 2026
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More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
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More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Interest is compounded and credited monthly on a 365/365 day basis. Substantial penalty for early withdrawal.
3.45% interest rate · Effective Nov 6, 2026
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More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: To open online, must be at least 18 years old and a Maine resident or an existing customer. Penalty applies for early withdrawal. Rates accurate as of 11/02/2026.
Offer: Early withdrawal penalty: 90 days interest.
3.44% interest rate · Effective Nov 2, 2026
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More details - 3.05%APY$305 over 1 year on $10,000
Requirements
Product: Open to anyone living in the mid-coast area on a permanent or seasonal basis. Valid picture ID and SSN required. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: 1 Year Certificate of Deposit. Early withdrawal penalty may apply.
3.00% interest rate · Effective Oct 23, 2026
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More details - 3.05%APY$305 over 1 year on $10,000intro rate
Requirements
Product: FDIC-insured up to $250,000. Features fixed interest rate accruing daily, annual free statements, and automatic renewal. Open at a branch.
Offer: Limited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal.
Promotional rate · 3.00% interest rate
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 1-year CDs pay in Maine
36 CDs at 24 banks and credit unions · checked Oct 16–Nov 12
- Typical
- 2.89%
- Top 10% from
- 4.15%
- Banks, typical
- 2.89%
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Find your bank or credit union to see all its rates and how they compare near you.
Maine
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Maine Family Federal Credit UnionCredit union · 2 branches
- Oxford Federal Credit UnionCredit union · 2 branches
- Dirigo Federal Credit UnionCredit union · 5 branches