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 South Portland, ME
- 4.25%APY$868 over 24 months on $10,000
4.17% interest rate · Effective Oct 7, 2026
Rate checked
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
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More details - 4.00%APY$746 over 22 months on $10,000
Requirements
Product: $500 minimum balance to open the account. Substantial penalty for early withdrawal.
Offer: Available to customers with mutual checking or mutual interest checking accounts
3.93% interest rate · Effective Sep 22, 2026
Rate checked
More details - Bangor Savings BankSpecial Certificate of Deposit (CD) OfferingsCD · 39 months · $500 min
Bank · 1 branch
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
Rate checked
More details - Maine Community BankCertificates of Deposit (CDs) – Special OfferingsCD · 12 months · $500 min
Bank · 1 branch
3.95%APY$395 over 1 year on $10,000intro rateRequirements
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. For more information on terms, rates, or products, please contact us .
Offer: 12 Month Special
Promotional rate · Effective Oct 15, 2026
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More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
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More details - 3.82%APY$382 over 1 year on $10,000intro rate
Requirements
Product: Penalties may apply for early withdrawal. Requires $500 minimum opening deposit. Dividends can be withdrawn when and how desired. Automatically rolls over at maturity.
Offer: Special promotional rate.
Promotional rate · 3.75% interest rate · Effective Oct 1, 2026
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More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
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 - 3.70%APY$183 over 6 months on $10,000
Requirements
Product: Membership and eligibility required. $2,000 minimum deposit. Fixed, guaranteed rate locked for term of certificate. Early withdrawal penalty applies.
Offer: Fixed dividend rate 3.639%
3.64% interest rate · Effective Oct 3, 2026
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More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.14%APY$1,672 over 60 months on $10,000
Effective Oct 16, 2026
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More details - 3.09%APY$1,912 over 69 months on $10,000
Effective Oct 16, 2026
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More details - 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
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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 South Portland, ME
144 CDs at 14 banks and credit unions · checked Oct 4–22
- Typical
- 2.71%
- Top 10% from
- 3.82%
- Banks, typical
- 2.32%
- Credit unions, typical
- 3.45%
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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