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 1–15 results in Maine
- 4.55%APY$455 over 1 year on $10,000with conditions
Requirements
Product: Propel Relationship CD rates include an additional 0.15% APY and are only available when customer opens or already has a Propel Premier Checking Account and Propel Preferred Savings Account. Consumer accounts are available to Maine and New Hampshire residents only. Opening deposit must be new money. Must be opened in a banking center. Early withdrawal penalties may apply. Fees could reduce earnings.
Offer: Requires qualifying Propel Premier Checking and Propel Preferred Savings accounts. Must be opened in a banking center. A minimum daily balance of $0.01 is required to earn the stated APY. Opening deposit must be new money. Early withdrawal penalties may apply.
Qualified rate · 4.46% interest rate · Effective Oct 14, 2026
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More details - 4.40%APY$440 over 1 year on $10,000intro rate
Requirements
Product: Consumer accounts are available to Maine and New Hampshire residents only. Opening deposit must be new money (not on deposit with Northeast Bank). Early withdrawal penalties may apply. Fees could reduce earnings.
Offer: A minimum daily balance of $0.01 is required to earn the stated APY. Opening deposit must be new money. Early withdrawal penalties may apply.
Promotional rate · 4.31% interest rate · Effective Oct 14, 2026
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More details - 4.30%APY$430 over 1 year 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.
4.22% interest rate
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More details - Maine Family Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 2 branches
4.30%APY$430 over 1 year on $10,000Requirements
Product: Dividends accrued daily and compounded monthly. Penalty for early withdrawal: less than 24 months duration is 90 days dividends; 24 months or more duration is 180 days interest. Automatically renews with 7-day grace period. Wisdom Program members (age 60+) receive a 0.10% APY bonus.
4.22% interest rate · Compounded monthly · Effective Sep 30, 2026
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More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above.
4.12% interest rate · Effective Oct 1, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: Interest is compounded continuously. A penalty may be imposed for early withdrawal. Rates subject to change prior to issuance; fixed after issuance. Automatic renewal at maturity.
Offer: Interest compounded continuously; early withdrawal penalty may apply. Rate fixed after issuance.
4.01% interest rate · Effective Oct 21, 2026
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More details - Oxford Federal Credit UnionShare CertificatesCD · 12–23 months · $1,000 min
Credit union · 2 branches
4.10%APYRequirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Jumbo ($95,000 and greater) Share Certificates rates are available by phone.
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More details - 4.07%APY$407 over 1 year on $10,000
4.00% interest rate · Effective Oct 20, 2026
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More details - Winthrop Area Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 1 branch
4.07%APY$407 over 1 year on $10,0004.00% interest rate · Effective Oct 2, 2026
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More details - 4.05%APY$405 over 1 year on $10,000
Requirements
Product: Minimum of $500 to open a share certificate. Penalties may be charged for early withdrawals. Qualification requirements must be met. Other restrictions may apply. Dividends are paid monthly and compound over time. No monthly fees.
3.98% interest rate
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More details - 4.05%APY$405 over 1 year on $10,000
Requirements
Product: Open with as little as $500. Automatic renewal at maturity with 10-day grace period. Additional deposits not allowed; withdrawal of dividends allowed. Early withdrawal of principal subject to penalty. Membership eligibility requires living, working, worshiping, or attending school in specified Maine counties, or immediate family.
Offer: Early withdrawal penalty of 120 days dividends for maturities up to 1 year.
3.98% interest rate · Effective Sep 29, 2026
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More details - 4.03%APY$403 over 1 year on $10,000
Requirements
Product: Interest earned may be compounded or transferred to another account. Early withdrawal penalties may apply.
3.95% interest rate · Effective Oct 6, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Membership eligibility applies (live, work, worship, or attend school in Androscoggin, Cumberland, Lincoln, Oxford, Sagadahoc, or York counties, or immediate relative of eligible member). Early withdrawal penalties apply. $500 minimum deposit to open.
Offer: Early withdrawal subject to 180 day dividends penalty.
3.93% interest rate · Effective Oct 8, 2026
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More details - 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
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More details - 4.00%APY$400 over 1 year on $10,000
3.93% interest rate · Effective Oct 7, 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 1-year CDs pay in Maine
89 CDs at 69 banks and credit unions · checked Oct 16–22
- Typical
- 3.45%
- Top 10% from
- 4.05%
- Banks, typical
- 2.73%
- Credit unions, typical
- 3.82%
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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