Compare Bank & Credit Union Rates
Best CD rates in Saco, ME
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Saco, ME
- 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
Rate checked
More details - 4.00%APY$468 over 14 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Fees may affect earnings.
Offer: New Member Special offered to new members joining after 10/1/26 with a minimum of $1,500 in new money to open. New money is defined as funds not currently on deposit at UCU that come from an outside source; transfers between existing UCU accounts do not qualify. Penalty for early withdrawal. Fees may affect earnings.
Promotional rate · Effective Oct 1, 2026
Rate checked
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 · 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 - 3.82%APY$382 over 1 year on $10,000intro rate
Requirements
Product: Penalties may apply for early withdrawal. Requires $500 minimum opening deposit. Dividends can be withdrawn when and how desired. Automatically rolls over at maturity.
Offer: Special promotional rate.
Promotional rate · 3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% 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 - 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
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More details - 3.30%APY$164 over 6 months on $10,000
Requirements
Product: Monty Moose Certificate minimum balance is $150. Penalty for early withdrawal. Fees may affect earnings.
Offer: Monty Moose Certificate minimum balance is $150. Penalty for early withdrawal. Fees may affect earnings.
3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Fees may affect earnings.
Offer: Penalty for early withdrawal. Fees may affect earnings.
3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% 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 - 1.11%APY$567 over 60 months on $10,000with conditions
Requirements
Product: A Full Solutions, Flexible Solutions, Reality Plus or Reality Complete Checking account is required to open and maintain a Premium Certificate of Deposit. Penalty for early withdrawal on certificates of deposit. Fixed for the term.
Offer: 5 Years term.
Qualified rate · 1.10% interest rate · Effective Oct 22, 2026
Rate checked
More details - 0.95%APY$484 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal on certificates of deposit. Fixed for the term.
Offer: 5 Years term.
0.95% interest rate · Effective Oct 22, 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 Saco, ME
174 CDs at 10 banks and credit unions · checked Oct 16–22
- Typical
- 1.01%
- Top 10% from
- 3.75%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.00%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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