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 Portland, 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
Rate checked
More details - 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
Rate checked
More details - 4.50%APY$1,412 over 36 months 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.
4.41% interest rate · Effective Oct 1, 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
Rate checked
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
Rate checked
More details - 4.33%APY$250 over 7 months on $10,000
Requirements
Product: Available to customers who live or work in Cumberland or York Counties, Maine, or Rockingham or Strafford Counties, New Hampshire. Early withdrawal penalties and fees could reduce earnings.
Offer: Limited time offer. Special term.
4.25% interest rate · Effective Oct 20, 2026
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More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: Available exclusively with new money deposits at the Kennebunk, ME branch. Auto-renews at standard 12-month terms. Penalty may be imposed for early withdrawal.
Offer: Available on new funds at Kennebunk, ME location. Auto-renews at standard 12-month terms.
Promotional rate · Effective Jan 12, 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 - 4.23%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 - 4.10%APY$515 over 15 months on $10,000
Requirements
Product: Early withdrawals are subject to penalty. 10-calendar-day grace period at maturity before automatic renewal.
4.02% interest rate · Effective Oct 19, 2026
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More details - 4.05%APY$200 over 6 months 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 90 day dividends penalty.
3.97% interest rate · Effective Oct 8, 2026
Rate checked
More details - Cumberland County Federal Credit UnionRegular Share Certificate AccountCD · 60 months · $1,000 min · 4.02%–4.23% by balance
Credit union · 6 branches
4.02%APY$2,178 over 60 months on $10,000Requirements
Product: A minimum daily balance of $1,000 is required to earn the annual percentage yield. Fixed rate through maturity. Early withdrawal penalties may apply.
3.95% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Regular Share Certificate Account Balance APY $1,000 – $50,000Your amount 4.02% $50,000 – $150,000 4.13% $150,000 and up 4.23% Rate checked
More details - 4.00%APY$132 over 4 months on $10,000intro rate
Requirements
Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.
Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.
Promotional rate · 3.93% interest rate · Effective Jan 5, 2026
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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
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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
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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 metro
440 CDs at 40 banks and credit unions · checked Oct 16–22
- Typical
- 2.74%
- Top 10% from
- 3.95%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.50%
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Find your bank or credit union to see all its rates and how they compare near you.
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