Compare Bank & Credit Union Rates
Best CD rates in Ellsworth, ME
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–11 results in Ellsworth, ME
- 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
Rate checked
More details - 4.07%APY$2,208 over 60 months on $10,000
Requirements
Product: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.
4.00% interest rate · Effective Oct 6, 2026
Rate checked
More details - 4.02%APY$2,178 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Choice of dividend payment, either monthly or posted at maturity. Flexible maturities from 3 Months to 5 Years.
3.95% interest rate · Effective Oct 7, 2026
Rate checked
More details - Maine Savings Federal Credit UnionShare CertificatesCD · 23 months · $500 min
Credit union · 1 branch
4.00%APY$781 over 23 months on $10,000Requirements
Product: Certificate rates are fixed for the term of the account. Dividends compounded and credited monthly; calculated using the daily balance method. Additional deposits not permitted after opening. Early withdrawal penalties apply.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - Bangor Savings BankSpecial Certificate of Deposit (CD) OfferingsCD · 39 months · $500 min
Bank · 1 branch
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
Rate checked
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
Rate checked
More details - Maine Savings Federal Credit UnionElevate CertificatesCD · 39 months · $100 min
Credit union · 1 branch
3.70%APY$1,253 over 39 months on $10,000Requirements
Product: Allows additional contributions to balance anytime. Certificate rates are fixed for the term of the account. Dividends compounded and credited monthly; calculated using daily balance method. Early withdrawal penalties apply.
Offer: Add to balance anytime.
3.64% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.65%APY$427 over 14 months on $10,000
Requirements
Product: Interest is compounded and credited monthly on a 365/365 day basis. Substantial penalty for early withdrawal.
Offer: New money only
3.59% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.35%APY$166 over 6 months on $10,000with conditions
Requirements
Product: A withdrawal of interest will reduce earnings. If you withdraw before the stated maturity, an early withdrawal penalty will apply. Monthly service fee is $0.
Offer: Special rate. Valid for new money only; transfers from existing Camden National Bank accounts are not eligible. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the CD Special account is opened. For individuals only. Available for new accounts opened on or after 3/4/2026. Early withdrawal penalty will apply. You must maintain the minimum balance each day to receive disclosed APY.
Qualified rate · 3.30% interest rate · Effective Mar 4, 2026
Rate checked
More details - 2.78%APY$278 over 1 year on $10,000
Requirements
Product: Not available for IRA or Coverdell. Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies.
2.75% interest rate · Effective Oct 6, 2026
Rate checked
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
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 Ellsworth, ME
84 CDs at 8 banks and credit unions · checked Oct 22
- Typical
- 3.48%
- Top 10% from
- 4.00%
- Banks, typical
- 2.35%
- Credit unions, typical
- 3.86%
Is your bank paying you enough?
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 · 4 branches