Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Augusta, ME metro
- 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 - Winthrop Area Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · 1 branch
4.28%APY$2,331 over 60 months on $10,0004.20% interest rate · Effective Oct 2, 2026
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More details - 4.25%APY$868 over 24 months on $10,000
4.17% interest rate · Effective Oct 7, 2026
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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
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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
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More details - Bangor Savings BankSpecial Certificate of Deposit (CD) OfferingsCD · 39 months · $500 min
Bank · 4 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
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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
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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
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More details - 3.82%APY$382 over 1 year on $10,000
3.75% interest rate · Effective Sep 25, 2026
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More details - New Dimensions Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 3 branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Rates effective October 1, 2026.
Offer: Early withdrawal penalty of 180 days dividends.
3.75% interest rate · Effective Oct 1, 2026
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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
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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
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More details - 3.61%APY$1,524 over 48 months on $10,000
Requirements
Product: Dividends are based on the average daily balance method, compounded daily and credited monthly. Dividends can be withdrawn each month without penalty.
Offer: Early withdrawal penalty: 365 days.
3.55% interest rate · Compounded daily · Effective Aug 25, 2026
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More details - 3.60%APY$391 over 13 months on $10,000
Requirements
Product: Annual percentage yields assume interest remains on deposit. A penalty will be imposed for early withdrawals before maturity.
Offer: CD Special. Annual percentage yields assume interest remains on deposit. A penalty will be imposed for withdrawals before maturity.
3.54% interest rate · Effective Sep 24, 2026
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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 Augusta, ME metro
177 CDs at 20 banks and credit unions · checked Oct 22
- Typical
- 3.40%
- Top 10% from
- 4.00%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.53%
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Augusta, ME metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Trademark Federal Credit UnionCredit union · 1 branch
- Northeast BankBank · 1 branch
- University Credit UnionCredit union · 1 branch