Compare Bank & Credit Union Rates
Best savings rates in Waterville, ME
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Waterville, ME
- Camden National BankHigh-Yield Savings AccountSavings · $25 min · 0.01%–2.65% by balance
Bank · 2 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 · 2 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 - Ancorum Credit UnionGolden Rate Fund PlusGolden Rate Fund Plus · $5,000 min · 0.00%–2.38% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Minimum check withdrawal of $500.00. Write up to three checks per month. Penalties apply for writing checks under the minimum withdrawal amount and for exceeding three checks per month. No penalty is assessed if balance falls below $5,000, but the account will not earn dividends if balance falls below $5,000 during the month.
0.00% interest rate · Effective Mar 27, 2025
Rate by balance
Rate by balance for Golden Rate Fund Plus Balance APY Up to $100 0.00% $100 – $1,000 0.00% $1,000 – $5,000 0.00% $5,000 – $25,000Your amount 2.02% $25,000 – $50,000 2.17% $50,000 – $100,000 2.27% $100,000 and up 2.38% Rate checked
More details - Ancorum Credit UnionGolden Rate FundGolden Rate Fund · $1,000 min · 0.00%–2.38% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Minimum withdrawal amount of $250.00. If balance drops below the minimum balance of $1,000, the account will be closed and the remaining funds transferred to the Member Savings account.
0.00% interest rate · Effective Mar 27, 2025
Rate by balance
Rate by balance for Golden Rate Fund Balance APY Up to $100 0.00% $100 – $1,000 0.00% $1,000 – $5,000 0.50% $5,000 – $25,000Your amount 2.02% $25,000 – $50,000 2.17% $50,000 – $100,000 2.27% $100,000 and up 2.38% Rate checked
More details - Ancorum Credit UnionGolden Rate Fund PlusSavings · $5,000 min · 0.00%–2.38% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Min balance $5,000 to keep account open; else closed and funds transferred to Member Savings. Min withdrawal $500. Dividends compounded monthly.
0.00% interest rate · Compounded monthly · Effective Mar 27, 2025
Rate by balance
Rate by balance for Golden Rate Fund Plus Balance APY Up to $100 0.00% $100 – $1,000 0.00% $1,000 – $5,000 0.00% $5,000 – $25,000Your amount 2.02% $25,000 – $50,000 2.17% $50,000 – $100,000 2.27% $100,000 and up 2.38% Rate checked
More details - KSW Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,000 min · 2.02%–2.53% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Access to funds two times a month without a penalty.
Offer: Tier 1
2.00% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,000 and upYour amount 2.02% Over $25,000Tier 2 2.27% Over $50,000Tier 3 2.53% Rate checked
More details - 1.51%APY$151 a year on $10,000
Requirements
Product: Maintain a balance of $2,500.00 or higher. Earn monthly dividends on balances over $100.00.
1.50% interest rate
Rate by balance
Rate by balance for Special Savings Balance APY $2,500 – $20,000Your amount 1.51% $20,001 – $75,000 1.77% $75,001 and up 2.02% Rate checked
More details - New Dimensions Federal Credit UnionKasasa SaverSavings · $0 min · 0.25%–1.00% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Blended APY ranges from 1.00% to 0.44% depending on average balance, based on a $100,000 balance.
Offer: Dividend rate of 1.00% applies to portions of balance up to $25,000.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $25,000Your amount 1.00% Over $25,000yields a blended APY of 1.00% - 0.44% depending on average balance (based on $100,000 balance). 0.25%* Rate checked
More details - Maine State Credit UnionAdvantage SavingsSavings · $2,000 min · 0.85%–2.60% by balance
Credit union · 1 branch
0.85%APY$85 a year on $10,000Requirements
Product: Tiered, blended-rate account. Minimum balance to open account is $2,000 and must maintain a minimum average daily balance of $2,000.00 during the dividend period.
Offer: Tiered, blended rate applied to portion of balance within tier.
0.85% interest rate · No monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Advantage Savings Balance APY $2,000 – $25,000Your amount 0.85% $25,000 – $50,000 1.10% $50,000 – $100,000 1.50% $100,000 – $250,000 1.80% Over $250,000 2.60% Rate checked
More details - 0.75%APY$75 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking. Requires $25 minimum balance to remain open / keep account open. No monthly maintenance fee.
Offer: Requires qualifying for Kasasa Cash or Kasasa Cash Back rewards (at least 12 debit card purchases post and settle during qualification cycle, log into online or mobile banking, enrolled in e-statements, valid email on record).
Qualified rate · 0.75% interest rate · Balance cap $25,000 · No monthly fee
Rate checked
More details - New Dimensions Federal Credit UnionCertificate Savings Account (CSA)Savings · $100 min · 0.20%–0.80% by balance
Credit union · 2 branches
0.60%APY$60 a year on $10,000Requirements
Product: Liquid high-yield savings account with no fixed term or maturity date and no early withdrawal penalty. Dividends are paid monthly. No minimum opening balance required; $100 minimum balance to earn dividends.
Offer: Rate tier for balances $100 to $2,499.
0.20% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate Savings Account (CSA) Balance APY $100 – $2,499 0.20% $2,500 – $9,999 0.20% $10,000 – $49,999Your amount 0.60% $50,000 and up 0.80% Rate checked
More details - New Dimensions Federal Credit UnionJumbo Certificate Savings Account (CSA)Savings · $100 min · 0.30%–2.07% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Split-rate tiered savings account with composite APY tiers.
Offer: Minimum balance required to earn dividends is $100.
0.30% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Jumbo Certificate Savings Account (CSA) Balance APY $100 – $50,000Your amount 0.30% $50,000 – $100,000Tier rate is 1.50%; composite APY is 0.30%-0.90% for multiple tier split rate account. 1.51%* $100,000 – $250,000Tier rate is 1.60%; composite APY is 0.90%-1.33% for multiple tier split rate account. 1.61%* $250,000 – $500,000Tier rate is 1.85%; composite APY is 1.33%-1.60% for multiple tier split rate account. 1.87%* $500,000 and upTier rate is 2.05%; composite APY is 1.60%-1.85% for multiple tier split rate account. 2.07%* Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: No need to have a checking account with Bangor Savings Bank.
0.00% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Market Rate Savings Balance APY Up to $5,000 0.00% $5,000 – $10,000 0.15% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.40% $50,000 and up 0.40% Rate checked
More details - Bangor Savings BankBenefit Money MarketBenefit Money Market · $5,000 min · 0.00%–0.60% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000with conditionsRequirements
Product: Must have or open a personal checking account with Bangor Savings Bank.
Offer: Must have or open a personal checking account with Bangor Savings Bank.
Qualified rate · 0.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Benefit Money Market Balance APY Up to $5,000 0.00% $5,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.45% $50,000 – $100,000 0.50% $100,000 – $250,000 0.60% $250,000 and up 0.60% Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% 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 Waterville, ME
33 accounts at 10 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.02%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.45%
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Augusta, ME metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Trademark Federal Credit UnionCredit union · 1 branch
- Northeast BankBank · 1 branch
- University Credit UnionCredit union · 1 branch