Compare Bank & Credit Union Rates
Best CD rates in Biddeford, ME
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–12 results in Biddeford, ME
- 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
Rate checked
More details - 4.10%APY$515 over 15 months on $10,000
Requirements
Product: Early withdrawals are subject to penalty. 10-calendar-day grace period at maturity before automatic renewal.
4.02% interest rate · Effective Oct 19, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Must become a member of TruChoice with a $25 deposit. Fixed rates. Monthly compounding and crediting. Additional deposits are not allowed. Dividend withdrawal allowed. Automatic renewal with 10-day grace period. Early withdrawal penalty may apply.
3.93% interest rate · Effective Oct 1, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Dividends remain in certificate until maturity; early withdrawal penalty may apply.
3.93% interest rate · Effective Oct 2, 2026
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More details - 4.00%APY$746 over 22 months on $10,000
Requirements
Product: $500 minimum balance to open the account. Substantial penalty for early withdrawal.
Offer: Available to customers with mutual checking or mutual interest checking accounts
3.93% interest rate · Effective Sep 22, 2026
Rate checked
More details - Bangor Savings BankSpecial Certificate of Deposit (CD) OfferingsCD · 39 months · $500 min
Bank · 2 branches
4.00%APY$1,359 over 39 months on $10,000with conditionsRequirements
Product: Requires a $500 minimum daily balance to earn APY and $500 minimum opening deposit. Interest compounded daily and credited monthly. Penalties may be imposed for early withdrawal. Benefit Plus checking account holders receive relationship rate and APY.
Offer: For Benefit Plus customers. Renews automatically into 36 Month CDs.
Qualified rate · 3.92% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - Maine Community BankCertificates of Deposit (CDs) – Special OfferingsCD · 12 months · $500 min
Bank · 2 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. For more information on terms, rates, or products, please contact us .
Offer: 12 Month Special
Promotional rate · Effective Oct 15, 2026
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More details - Lighthouse Credit UnionVariable Rate Share CertificateCD · 24 months · $500 min
Credit union · 1 branch
3.95%APY$806 over 24 months on $10,000Requirements
Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month (minimum dividend rate 2.50% / APY 2.53%, maximum dividend rate 5.50% / APY 5.64%). Early withdrawal penalty may apply.
Offer: Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month; minimum dividend rate 2.50% (APY 2.53%), maximum dividend rate 5.50% (APY 5.64%).
3.88% interest rate · Effective Oct 2, 2026
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More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
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More details - TruChoice Federal Credit UnionSave Up Share CertificateCD · 12 months · $100 min
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: Must become a member of TruChoice with a $25 deposit. Fixed rates. Monthly compounding and crediting. Additional deposits ARE allowed. Dividend withdrawal allowed. Automatic renewal with 10-day grace period. Early withdrawal penalty may apply.
3.45% interest rate · Effective Oct 1, 2026
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More details - 2.53%APY$63 over 3 months on $10,000
Requirements
Product: FDIC-insured. Daily compounding, interest credited monthly. Early withdrawal penalties apply. Benefit Plus checking account holders receive relationship interest rate and APY.
Offer: For Benefit Plus customers.
2.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Maine Community BankCertificates of Deposit (CDs) – Standard RatesCD · 3 months · $500 min
Bank · 2 branches
2.25%APY$56 over 3.033333333333333 months on $10,000Requirements
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.
Offer: 91 Day term
Effective Oct 15, 2026
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More details
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 Biddeford, ME
80 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 3.38%
- Top 10% from
- 4.00%
- Banks, typical
- 2.41%
- Credit unions, typical
- 3.75%
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Portland, ME metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Dirigo Federal Credit UnionCredit union · 1 branch
- Trademark Federal Credit UnionCredit union · 1 branch
- Atlantic Federal Credit UnionCredit union · 12 branches