Compare Bank & Credit Union Rates
Best savings rates in Maine
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Maine
- 3.85%APY$385 a year on $10,000intro rate
Requirements
Product: Must qualify for and establish membership with Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. No monthly fee. Donation made by Lighthouse Federal Credit Union to the Lighthouse Foundation based on the average balance held in the Lighthouse Premium Savings account.
Offer: New Money Promotion Special Rate. Available on new Lighthouse Premium Savings accounts opened and funded with qualifying new money deposits originating from outside Lighthouse within the prior 30 days. Promotional rate currently applies to all balance tiers. Additional new money deposits permitted through March 31, 2027. Effective as of September 30, 2026.
Promotional rate · 3.78% interest rate · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000
Requirements
Product: Requires 50% of opening deposit to be new money. Not available for IRAs. Available to Maine and New Hampshire residents only.
Offer: Requires 50% of $2,500 opening deposit to be new money. Not available for IRAs. Available to Maine and New Hampshire residents only.
3.45% interest rate · No monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Growth Savings Balance APY Up to $250,000Your amount 3.50% $250,000 and up 3.75% Rate checked
More details - Empeople Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.15%–3.25% by balance
Credit union · 6 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: No minimum deposit or daily balance requirement. All-In Member Pricing (Level 2) requires 21+ debit or credit card transactions per month and minimum $1,500 in direct/mobile deposits into a qualifying account within the last 31 days.
Offer: Level 1 base tier.
Qualified rate · 0.15% interest rate · No monthly fee
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $5,000 0.15% $5,000 and upYour amountLevel 2: All-In Member Pricing (requires 21+ debit or credit card transactions/month and >=$1,500 in direct/mobile deposits within last 31 days). 3.25% Rate checked
More details - Saco & Biddeford SavingsMutual High Yield SavingsSavings · $0 min · 0.10%–3.00% by balance
Bank · 7 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: An active Mutual Checking or Mutual Interest Checking account is required. Only one Mutual High Yield Savings allowed per primary customer. Converted to an Essential Money Market if the corresponding checking account is closed. $2.00 monthly service charge waived if $100.00 minimum balance is kept.
Qualified rate · 2.96% interest rate · $2 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Mutual High Yield Savings Balance APY Up to $100,000Your amount 3.00% $100,000 and upAPY for this tier will range from 0.10% to 3.00% depending on the balance in the account. 0.10% Rate checked
More details - Seaboard Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min
Credit union · 3 branches
2.90%APY$290 a year on $10,000Requirements
Product: Dividends are accrued daily and compounded/credited monthly. $25 minimum opening deposit; $2,500 minimum balance to earn APY.
Offer: Minimum balance of $2,500 to earn stated APY. Dividends accrued daily and compounded/credited monthly.
2.86% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.75%APY$275 a year on $10,000with conditions
Requirements
Product: Available to Maine and New Hampshire residents only.
Offer: Requires an active Propel Premier Checking account (meeting two of: $5,000 average daily balance, $1,000+ direct deposits, or 10 debit card transactions per monthly statement cycle). 50% of opening deposit must be new money. Available to Maine and New Hampshire residents only.
Qualified rate · 2.72% interest rate · No monthly fee · Effective Oct 14, 2026
Rate checked
More details - Camden National BankHigh-Yield Savings AccountSavings · $25 min · 0.01%–2.65% by balance
Bank · 56 branches
2.65%APY$265 a year on $10,000with conditionsRequirements
Product: Customer must be an individual who has an existing personal Camden National Checking Account or opens one at the time this account is opened. Requires new money not deposited at Camden National Bank.
Offer: Monthly fee is $0 if you keep a minimum average daily balance of $100 or more, are age 62 or better, or under 18; otherwise $1. Customer must open or have existing personal checking account. Valid for new money only.
Qualified rate · $1 monthly fee · Effective Apr 22, 2026
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $2,499 0.01% $2,500 – $250,000Your amountMust maintain minimum average daily balance of tier to receive disclosed APY. 2.65% Rate checked
More details - Camden National BankHigh-Yield Savings AccountSavings · $25 min · 2.65%–3.10% by balance
Bank · 56 branches
2.65%APY$265 a year on $10,000with conditionsRequirements
Product: Customer must be an individual who has an existing personal Camden National Checking Account or opens one at the time this account is opened. Requires new money not deposited at Camden National Bank.
Offer: Promotional rate available until 3/31/27 for new accounts opened on or after 8/24/2026; requires personal Camden National Checking Account and new money.
Qualified rate · Effective Aug 24, 2026
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $250,000Your amount 2.65% $250,000 and upMonthly fee is $0 if you keep a minimum average daily balance of $100 or more, are age 62 or better, or under 18; otherwise $1. Must maintain minimum average daily balance of tier to receive disclosed APY. Customer must open or have existing personal checking account. Valid for new money only. 3.10% Rate checked
More details - Auburn Savings Bank, FSBPremier Growth SavingsSavings · $25 min · 0.05%–2.50% by balance
Bank · 2 branches
2.50%APY$250 a year on $10,000with conditionsRequirements
Product: Links to free Premier Rewards Checking or Premier Cash Back Rewards Checking accounts. No monthly maintenance fee.
Offer: Earned on all balances if qualifications in Premier Rewards or Premier Cash Back are not met during the Monthly Qualification Cycle.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premier Growth Savings Balance APY Any balance 0.05% Up to $150,000Your amountQualifying for Premier Rewards or Premier Cash Back Rewards qualifies for this rate: at least 12 debit card purchases, at least 1 direct deposit or ACH payment/credit transaction, and enrolled in and agree to receive e-statements post and settle during each Monthly Qualification Cycle. 2.50% $150,001 and upQualifying for Premier Rewards or Premier Cash Back Rewards qualifies for this rate: at least 12 debit card purchases, at least 1 direct deposit or ACH payment/credit transaction, and enrolled in and agree to receive e-statements post and settle during each Monthly Qualification Cycle. Stated APY range is 2.50% - 1.70% depending on balance in account. 0.50%* Rate checked
More details - Dirigo Federal Credit UnionMoney Market Share AccountsMoney Market Share Accounts · $1,000 min · 2.50%–3.45% by balance
Credit union · 4 branches
2.50%APY$250 a year on $10,000Requirements
Product: Variable dividend rate. Par value of membership share is $25.00 retained in share savings account. Stated minimum opening balance is required to obtain APY.
2.47% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Share Accounts Balance APY $1,000 – $25,000Your amount 2.50% $25,000 – $50,000 2.65% $50,000 – $100,000 2.80% $100,000 – $250,000 3.15% $250,000 and up 3.45% Rate checked
More details - OTIS Federal Credit UnionMoney Management AccountMoney Management Account · $2,000 min · 0.05%–2.75% by balance
Credit union · 1 branch
2.50%APY$250 a year on $10,000Requirements
Product: Minimum opening balance of $2,000.00. Withdrawals must be $500.00 or more and limited to 3 withdrawals per month at no charge; excess withdrawals are charged $1.00 thereafter.
Offer: Withdrawals must be $500.00 or more and limited to 3 withdrawals per month at no charge; excess withdrawals charged $1.00 thereafter.
0.05% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Money Management Account Balance APY Up to $2,000 0.05% $2,000 – $20,000Your amount 2.50% Over $20,000 2.75% Rate checked
More details - Lincoln Maine FCUMoney MarketMoney Market · $2,500 min · 2.33%–2.84% by balance
Credit union · 1 branch
2.33%APY$233 a year on $10,0002.30% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $19,999Your amount 2.33% $20,000 – $74,999 2.58% $75,000 and up 2.84% Rate checked
More details - Bangor Federal Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 2.27%–2.78% by balance
Credit union · 4 branches
2.27%APY$227 a year on $10,000Requirements
Product: Minimum amount to withdraw is $500. 6 free transactions per month by pre-authorized automatic, telephone, checks, drafts, debit cards, or other similar order; unlimited in-person withdrawals. Dividend rate is paid based on the aggregate balance method. Rates are subject to change after account opening. Fees and withdrawals may reduce earnings.
2.25% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $20,000Your amount 2.27% $20,000 – $75,000 2.53% Over $75,000 2.78% Rate checked
More details - Central Maine FCUMoney MarketMoney Market · $100 min · 0.05%–2.78% by balance
Credit union · 1 branch
2.27%APY$227 a year on $10,0000.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $100 and up 0.05% $2,500 and upYour amount 2.27% Over $50,000 2.53% $100,000 and up 2.78% Rate checked
More details - Maine Family Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 2.25%–2.75% by balance
Credit union · 2 branches
2.25%APY$225 a year on $10,000Requirements
Product: $2,500 minimum balance to earn dividends. Rate subject to change after account opening at any time without notice.
2.23% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 2.25% $10,000 and upYour amount 2.25% $25,000 and up 2.25% $50,000 and up 2.75% Rate checked
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 savings accounts pay in Maine
191 accounts at 73 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.02%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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Maine
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Maine Family Federal Credit UnionCredit union · 2 branches
- Oxford Federal Credit UnionCredit union · 2 branches
- Dirigo Federal Credit UnionCredit union · 4 branches