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 91 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 - 4.30%APY$430 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.22% interest rate
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More details - Maine Family Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 2 branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Dividends accrued daily and compounded monthly. Penalty for early withdrawal: less than 24 months duration is 90 days dividends; 24 months or more duration is 180 days interest. Automatically renews with 7-day grace period. Wisdom Program members (age 60+) receive a 0.10% APY bonus.
4.22% interest rate · Compounded monthly · Effective Sep 30, 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 - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Membership requires living, working, worshiping, or attending school in eligible Maine counties (or immediate family of member) and opening/maintaining a Share Account with $25 minimum balance. Early withdrawal penalty is 90 days' dividends for certificates under 2 years, and 180 days' dividends for certificates 2 years and over. Certificates renew automatically. Relationship pricing (+0.10% not to exceed Jumbo Rates and APY) available for aggregate certificate balances over $100,000.
Offer: Dividends paid monthly based on daily balance. Stated minimum opening balance is required to obtain APY. Early withdrawal penalty is 90 days' dividends. Renews automatically.
4.12% interest rate · Effective Nov 1, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Membership eligibility applies (live, work, worship, or attend school in Androscoggin, Cumberland, Lincoln, Oxford, Sagadahoc, or York counties, or immediate relative of eligible member). Early withdrawal penalties apply. $500 minimum deposit to open.
Offer: Early withdrawal subject to 180 day dividends penalty.
4.07% interest rate · Effective Nov 9, 2026
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More details - NorState Federal Credit UnionShare Certificate AccountCD · 12 months · $1,000 min
Credit union · 6 branches
4.15%APY$415 over 1 year on $10,0004.07% interest rate · Effective Nov 2, 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 - Oxford Federal Credit UnionShare CertificatesCD · 12–23 months · $1,000 min
Credit union · 2 branches
4.10%APYRequirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Jumbo ($95,000 and greater) Share Certificates rates are available by phone.
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More details - 4.07%APY$407 over 1 year on $10,000
Requirements
Product: Dividends compounded and credited monthly. Early withdrawal penalty is equal to dividends earned on the amount withdrawn for half of the term of the certificate. Automatically renewable with a 10-day grace period. After account is opened, additional deposits are not permitted. Nontransferable and nonnegotiable.
Offer: $500 Minimum Balance. 12 months term. Early withdrawal penalty applies.
4.00% interest rate · Effective Nov 1, 2026
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More details - 4.07%APY$407 over 1 year on $10,000
Requirements
Product: $500.00 minimum balance to open a Share Certificate. Automatically renewable for your convenience. Terms ranging from 6 months to 5 years. Dividends are paid monthly based on the average daily balance. Dividends may be added to the Certificate or automatically deposited to your account.
4.00% interest rate · 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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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
91 CDs at 72 banks and credit unions · checked Nov 5–12
- Typical
- 3.50%
- Top 10% from
- 4.15%
- Banks, typical
- 2.89%
- Credit unions, typical
- 3.82%
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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