Compare Bank & Credit Union Rates
Best CD rates in Sanford, ME
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–10 results in Sanford, ME
- 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
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
Rate checked
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
Rate checked
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
Rate checked
More details - 3.75%APY$568 over 18 months on $10,000with conditions
Requirements
Product: Retail CD Specials / Relationship Bundle Specials. All Relationship Bundle rates must meet eligibility requirements, contact any branch for details. REL 8 Month CD & IRA Special will renew as a 6 Month REL CD or IRA. REL 18 Month Bump Up CD allows the customer to increase their rate one time during the term if we increase our published rate; customer must request it. All CDs may be subject to an early withdrawal penalty. Daily balance method. Fees may reduce earnings.
Offer: Relationship Bundle Special. Allows customer to increase rate one time during term if published rate increases; must request it. All Relationship Bundle rates must meet eligibility requirements. Daily balance. Early withdrawal penalty may apply.
Qualified rate · 3.69% interest rate
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 - 0.45%APY$181 over 48 months on $10,000with conditions
Requirements
Product: A penalty may be imposed for early withdrawal. After the account is opened, deposits into or withdrawals of principal are not allowed until maturity; withdrawal of interest is allowed. Automatic renewal.
Offer: Relationship rate available with Silver Lining, Heroes and Golden Rewards bundles. 4-Year (48-Month) term. Early withdrawal penalty may be imposed.
Qualified rate · 0.45% interest rate
Rate checked
More details - 0.30%APY$30 over 1 year on $10,000
Requirements
Product: Online only. Penalty may be imposed for early withdrawal. Not available as an IRA.
Offer: Online only standard rate. Early withdrawal penalty may be imposed.
0.30% interest rate
Rate checked
More details - 0.30%APY$45 over 18 months on $10,000
Requirements
Product: Allows a one-time rate adjustment during the term to a higher Partners posted CD rate of the same term for the remainder of the term. Must request bump-up; limit of one rate increase per term. Penalty may be assessed for early withdrawal. Not available to IRAs. Daily balance method.
Offer: Standard rate. 1 1/2-Year term. Early withdrawal penalty may be imposed. One-time bump-up option. Daily balance method.
0.30% interest rate
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 Sanford, ME
109 CDs at 5 banks and credit unions · checked Oct 16–22
- Typical
- 0.40%
- Top 10% from
- 3.57%
- Banks, typical
- 0.33%
- Credit unions, typical
- 3.60%
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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