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 31–45 results in Maine
- NorState Federal Credit UnionShare Certificate AccountCD · 12 months · $1,000 min
Credit union · 6 branches
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 13, 2026
Rate checked
More details - TruChoice Federal Credit UnionShare CertificatesCD · 12 months · $2,500 min
Credit union · 3 branches
4.00%APY$400 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 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
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 - University Credit UnionShare Certificate SpecialsCD · 14 months · $1,500 min
Credit union · 10 branches
4.00%APY$468 over 14 months on $10,000intro rateRequirements
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 - Maine Savings Federal Credit UnionShare CertificatesCD · 23 months · $500 min
Credit union · 12 branches
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 · 62 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
Rate checked
More details - Maine Community BankCertificates of Deposit (CDs) – Special OfferingsCD · 12 months · $500 min
Bank · 22 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
Rate checked
More details - Lighthouse Credit UnionVariable Rate Share CertificateCD · 24 months · $500 min
Credit union · 5 branches
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 - 3.87%APY$789 over 24 months on $10,000
Requirements
Product: No fee to establish. Minimum balance of $500.00. Borrow against certificate available.
3.80% interest rate
Rate checked
More details - 3.87%APY$789 over 24 months on $10,000
Requirements
Product: Minimum opening balance of $500.00. Automatically renewable. Fixed rate for the term of the account. Early withdrawal penalty applies (180 days dividends). Dividend withdrawal allowed.
3.80% interest rate · Effective Aug 1, 2025
Rate checked
More details - 3.85%APY$95 over 3 months on $10,000
Requirements
Product: A penalty will be imposed for early withdrawal. Annual Percentage Yield assumes interest remains on deposit until maturity.
Offer: CD Special.
3.78% interest rate · Effective Oct 8, 2026
Rate checked
More details - 3.85%APY
Requirements
Product: Minimum deposit to open the CD and obtain the APY is $500. Signature Banking Customers receive an increase of 0.10% on all new and renewed CDs. Combo CDs are offered to those customers who have an existing Eagle Bank checking account.
Offer: 6-16 Month CD/IRA Special accounts are available during a special promotion period only. Minimum deposit is $10,000. A penalty will be imposed for withdrawals before maturity. CDs will automatically renew at a 12-month term at the regular 12-month CD rate being offered by the Bank at the time of renewal.
3.78% interest rate · Effective Sep 24, 2026
Rate checked
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
Rate checked
More details - 3.82%APY$317 over 10 months on $10,000intro rate
Requirements
Product: CD Specials require a $2,500 minimum opening deposit and a $2,500 minimum daily balance to obtain the stated APY. Substantial penalty for early withdrawal. Withdrawals will reduce earnings.
Offer: Requires a $2,500 minimum opening deposit and a $2,500 minimum daily balance to obtain stated APY.
Promotional rate · 3.75% interest rate · Effective Oct 20, 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 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%
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