Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Portland, ME metro
- 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 · 5 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 - 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 · 10 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 · 10 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 - Dirigo Federal Credit UnionMoney Market Share AccountsMoney Market Share Accounts · $1,000 min · 2.50%–3.45% by balance
Credit union · 1 branch
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 - 2.07%APY$207 a year on $10,000with conditions
Requirements
Product: 207 Rewards Checking Account required. No monthly maintenance service charge.
Offer: Requires 207 Rewards Checking Account. No monthly maintenance service charge.
Qualified rate · No monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for 207 Savings Balance APY Up to $250,000Your amount 2.07% $250,000 and up 0.00% Rate checked
More details - Ancorum Credit UnionGolden Rate Fund PlusGolden Rate Fund Plus · $5,000 min · 0.00%–2.38% by balance
Credit union · 8 branches
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 · 8 branches
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 · 8 branches
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 - Maine Community BankReserve High-Yield Money MarketReserve High-Yield Money Market · $1 min · 2.00%–3.50% by balance
Bank · 20 branches
2.00%APY$200 a year on $10,000Requirements
Product: Tiered interest-bearing account. Six preauthorized transfers per statement cycle. No monthly maintenance service charge.
Offer: Stated minimum opening balance is required to obtain APY.
No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Reserve High-Yield Money Market Balance APY Up to $50,000Your amount 2.00% $50,000 – $100,000 2.15% $100,000 – $175,000 2.35% $175,000 – $250,000 2.80% $250,000 – $500,000 3.10% $500,000 – $1,000,000 3.35% $1,000,000 and up 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Linked Kasasa Cash or Kasasa Cash Back checking account required. Automatic transfers of Kasasa checking rewards. No recurring monthly maintenance fees.
Offer: Qualifications met in linked Kasasa checking account during monthly qualification cycle.
Qualified rate · 1.98% interest rate · Balance cap $100,000 · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Cumberland County Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 1.76%–2.94% by balance
Credit union · 6 branches
1.76%APY$176 a year on $10,0001.75% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $25,000Your amount 1.76% $25,000 – $50,000 2.07% $50,000 – $100,000 2.43% $100,000 – $250,000 2.58% $250,000 and up 2.94% 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 Portland, ME metro
118 accounts at 42 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.01%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.28%
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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