Compare Bank & Credit Union Rates
Best CD rates in Maine
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 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 - 4.50%APY$1,412 over 36 months 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 10/13/2026.
Offer: Early withdrawal penalty: 365 days interest.
4.40% interest rate · Effective Oct 13, 2026
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More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above.
4.41% interest rate · Effective Oct 1, 2026
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More details - Maine Family Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · 2 branches
4.50%APY$1,412 over 36 months 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.
4.41% interest rate · Compounded monthly · Effective Sep 30, 2026
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More details - 4.49%APY$564 over 15 months on $10,000
Requirements
Product: Dividends are compounded daily and paid monthly.
4.40% interest rate · Compounded daily · Effective Oct 15, 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 - 4.40%APY$667 over 18 months 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.
4.31% interest rate
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More details - 4.33%APY$250 over 7 months on $10,000
Requirements
Product: Available to customers who live or work in Cumberland or York Counties, Maine, or Rockingham or Strafford Counties, New Hampshire. Early withdrawal penalties and fees could reduce earnings.
Offer: Limited time offer. Special term.
4.25% interest rate · Effective Oct 20, 2026
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More details - 4.30%APY$2,343 over 60 months on $10,000
Requirements
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 - Winthrop Area Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · 1 branch
4.28%APY$2,331 over 60 months on $10,0004.20% interest rate · Effective Oct 2, 2026
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More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: Available exclusively with new money deposits at the Kennebunk, ME branch. Auto-renews at standard 12-month terms. Penalty may be imposed for early withdrawal.
Offer: Available on new funds at Kennebunk, ME location. Auto-renews at standard 12-month terms.
Promotional rate · Effective Jan 12, 2026
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More details - 4.25%APY$868 over 24 months 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.
4.11% interest rate · Effective Oct 21, 2026
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More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Minimum of $500 to open a share certificate. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply. Dividends are paid monthly and compound over time. No monthly fees.
4.17% interest rate
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More details - 4.25%APY$868 over 24 months on $10,000
4.17% interest rate · Effective Oct 7, 2026
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More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Open with as little as $500. Automatic renewal at maturity with 10-day grace period. Additional deposits not allowed; withdrawal of dividends allowed. Early withdrawal of principal subject to penalty. Membership eligibility requires living, working, worshiping, or attending school in specified Maine counties, or immediate family.
Offer: Early withdrawal penalty of 365 days dividends for maturities of more than 3 years.
4.17% interest rate · Effective Sep 29, 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 CDs pay in Maine
685 CDs at 72 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.04%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.56%
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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 · 4 branches