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 Bangor, ME metro
- 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: To open online, must be at least 18 years old and a Maine resident or an existing customer. Penalty applies for early withdrawal. Rates accurate as of 10/13/2026.
Offer: Early withdrawal penalty: 365 days interest.
4.40% interest rate · Effective Oct 13, 2026
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More details - 4.49%APY$564 over 15 months on $10,000
Requirements
Product: Dividends are compounded daily and paid monthly.
4.40% interest rate · Compounded daily · Effective Oct 15, 2026
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More details - 4.40%APY$667 over 18 months 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.
4.31% interest rate
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More details - 4.25%APY$868 over 24 months 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.
4.17% interest rate
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More details - 4.24%APY$2,306 over 60 months on $10,000
Requirements
Product: Interest earned may be compounded or transferred to another account. Early withdrawal penalties may apply.
4.15% interest rate · Effective Oct 6, 2026
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More details - 4.23%APY$678 over 19 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 · 4.15% interest rate · Effective Oct 20, 2026
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More details - 4.07%APY$304 over 9 months on $10,000
Requirements
Product: Rates apply to Share Certificates. After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawals.
4.00% interest rate · Effective Apr 1, 2026
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More details - Maine Highlands Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · 1 branch
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Rates quoted monthly (rate fixed for the term of the certificate). Dividends pay monthly, calculated at simple interest and compounded monthly.
Offer: A penalty may be imposed for early withdrawal.
4.00% interest rate · Compounded monthly · Effective Oct 15, 2026
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More details - 4.07%APY$2,208 over 60 months on $10,000
Requirements
Product: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.
4.00% interest rate · Effective Oct 6, 2026
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More details - 4.02%APY$820 over 24 months on $10,000
Requirements
Product: Dividend period is monthly. Dividends are compounded and credited monthly. A penalty may be imposed for early withdrawal. Rates are fixed for the term of the account. Certificates renew at the end of the term with a 10-day grace period.
3.95% interest rate · Effective Oct 6, 2026
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More details - 4.02%APY$2,178 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty: For term of 18 months or less, forfeiture is equal to one month of dividends whether earned or not; for term of more than 18 months, forfeiture is equal to six months of dividends whether earned or not. Choice of dividend payment, either monthly or posted at maturity. Flexible maturities from 3 Months to 5 Years.
3.95% interest rate · Effective Oct 7, 2026
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More details - Sebasticook Valley Federal Credit UnionShare CertificatesCD · 9 months · $500 min
Credit union · 2 branches
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Available terms range from 3 months to 4 years (48 months). Must be eligible for credit union membership (serving Franklin, Kennebec, Penobscot, Piscataquis, Somerset, and Waldo Counties in Maine).
Offer: Limited time offer available July 6-11, 2026 and August 3-8, 2026. Rate as of July 2026. Minimum deposit is $500.
Promotional rate
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More details - University Credit UnionShare Certificate SpecialsCD · 14 months · $1,500 min
Credit union · 3 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
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More details - Maine Savings Federal Credit UnionShare CertificatesCD · 23 months · $500 min
Credit union · 7 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
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More details - Bangor Savings BankSpecial Certificate of Deposit (CD) OfferingsCD · 39 months · $500 min
Bank · 12 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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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 Bangor, ME metro
178 CDs at 18 banks and credit unions · checked Oct 22
- Typical
- 3.56%
- Top 10% from
- 4.06%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.80%
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Bangor, ME metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Lincoln Maine FCUCredit union · 1 branch
- The County Federal Credit UnionCredit union · 3 branches
- Bangor Federal Credit UnionCredit union · 3 branches