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 31–42 results in Portland, ME
- 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Deposit any amount at any time. Automatically renews every 12 months. Pair with Rise High-Yield Checking or Breeze Rewards Banking to maximize savings. Early withdrawal subject to penalty. Membership eligibility applies.
Offer: Early withdrawal subject to 180 day dividends penalty. Automatically renews every 12 months.
2.96% interest rate · Effective Oct 8, 2026
Rate checked
More details - 2.94%APY$444 over 18 months on $10,000
Requirements
Product: Includes one penalty-free withdrawal per quarter. Certificates carry a penalty for early withdrawal outside permitted parameters.
Offer: Elevate Account rate for members age 50 or older.
2.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.73%APY$1,289 over 54 months on $10,000
Requirements
Product: May convert to a higher interest rate one time during the CD term by notifying the bank in writing.
Effective Oct 16, 2026
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More details - 2.63%APY$109 over 5 months on $10,000
Effective Oct 16, 2026
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More details - 2.58%APY$193 over 9 months on $10,000
Requirements
Product: Penalty of 7 days interest if closed prior to 7 days. After first 7 days, 2 partial withdrawals permitted without penalty and without closing account.
Effective Oct 16, 2026
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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
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More details - 2.32%APY$77 over 4 months on $10,000
Effective Oct 16, 2026
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More details - Maine Community BankCertificates of Deposit (CDs) – Standard RatesCD · 3 months · $500 min
Bank · 3 branches
2.25%APY$56 over 3.033333333333333 months on $10,000Requirements
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.
Offer: 91 Day term
Effective Oct 15, 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
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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 - 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 - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 CDs pay in Portland, ME
298 CDs at 25 banks and credit unions · checked Oct 16–22
- Typical
- 2.63%
- Top 10% from
- 3.95%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.50%
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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