Maine

Image Courtesy: pixabay.com

Credit Union CD Rates Maine

You are viewing rates from credit unions across Maine





Below are the best one year CD Rates from credit unions in Maine. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

ME - July 30, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 4.54% → 5.38% → 5.12%

| Sep 11, 2020

Rate is now 2.01% Read More

Rate History: 3.20% → 3.66% → 4.07%

Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

| Sep 11, 2020

Rate is now 2.5% Read More

K V

K V Branch
Restrictions

0.91%

$10,000

-

Learn More

| Oct 29, 2020

For simple individual transactions, I have nothing but good experiences with Cumberland Credit Union Read More

| Oct 29, 2020

For simple individual transactions, I have nothing but good experiences with Cumberland Credit Union Read More

Ksw

Ksw Branch
Restrictions

0.75%

$10,000

-

Learn More

0.75%

$100,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.70%

$500

-

Learn More

0.70%

$10,000

-

Learn More

0.70%

$10,000

-

Learn More

0.65%

$10,000

-

Learn More

0.65%

$100,000

-

Learn More

0.65%

$10,000

-

Learn More

0.65%

$100,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$100,000

-

Learn More

0.60%

$100,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$100,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

| Sep 14, 2021

Great Institution! Read More

Northeast


Restrictions

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

| Mar 9, 2021

I have been dealing with Shae Lynn at the Augusta branch with an unusual situation and she has been amazing! ~ Amy Read More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$100,000

-

Learn More

0.50%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

0.30%

$100,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

Edu


Restrictions

0.10%

$500

-

Learn More
All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116


Branch Street City State
TOWN & COUNTRY
Town & Country Town & Country Branch
P O Box 9420 South Portland ME
GARDINER
Gardiner Gardiner Branch
10 Old Brunswick Road Gardiner ME
MAINE STATE
Maine State Maine State Branch
200 Capitol Street Augusta ME
K V
K V K V Branch
316 WEST RIVER RD AUGUSTA ME
CUMBERLAND COUNTY
Cumberland County Cumberland County Branch
101 Gray Rd Falmouth ME
CUMBERLAND COUNTY
Cumberland County Cumberland County Branch
101 Gray Rd Falmouth ME
KSW
Ksw Ksw Branch
222 College Ave. Waterville ME
INTERFAITH
United Methodist United Methodist Branch
201 Main St, Suite 2 Westbrook ME
DOWNEAST
Down East Down East Branch
23 Third Ave. Baileyville ME
NEW DIMENSIONS
New Dimensions New Dimensions Branch
61 Grove Street Waterville ME
OTIS
Otis Otis Branch
PO Box 27 Jay ME
BREWER
Brewer Brewer Branch
229 DIRIGO DRIVE BREWER ME
WINTHROP AREA
Winthrop Area Winthrop Area Branch
94 HIGHLAND AVENUE WINTHROP ME
THE COUNTY
The County The County Branch
82 BENNETT DRIVE CARIBOU ME
PEOPLESCHOICE
Peopleschoice Peopleschoice Branch
23 Industrial Park Road Saco ME
INTERFAITH
United Methodist United Methodist Branch
201 Main St, Suite 2 Westbrook ME
SEABOARD
Seaboard Seaboard Branch
177 MAIN STREET BUCKSPORT ME
PENOBSCOT COUNTY
Penobscot County Penobscot County Branch
205 MAIN STREET OLD TOWN ME
MAINE FAMILY
Maine Family Maine Family Branch
555 Sabattus Street Lewiston ME
PEOPLESCHOICE
Peopleschoice Peopleschoice Branch
23 Industrial Park Road Saco ME
TRUCHOICE
Truchoice Truchoice Branch
10 DONALD B DEAN DRIVE SOUTH PORTLAND ME
COMMUNITY
Community Community Branch
144 Pine Street Lewiston ME
DIRIGO
Auburn Auburn Branch
20 Washington St N Auburn ME
OXFORD
Oxford Oxford Branch
225 RIVER RD MEXICO ME
NORSTATE
Norstate Norstate Branch
78 Fox St. Madawaska ME
FRANKLIN-SOMERSET
Franklin-somerset Franklin-somerset Branch
26 Leavitt Street Skowhegan ME
ACADIA
Madawaska Office Madawaska Office Branch
90 Main St Madawaska ME
SACO VALLEY
Saco Valley Saco Valley Branch
312 Main Street Saco ME
MIDCOAST
Midcoast Midcoast Branch
PO Box 780 Bath ME
BANGOR
Bangor Bangor Branch
P.O. Box 1161 Bangor ME
SEABOARD
Seaboard Seaboard Branch
177 MAIN STREET BUCKSPORT ME
ATLANTIC REGIONAL
Atlantic Regional Atlantic Regional Branch
55 CUSHING STREET BRUNSWICK ME
FIVE COUNTY
Five County Five County Branch
765 Washington Street Bath ME
EVERGREEN
Evergreen Evergreen Branch
225 Riverside Street Portland ME
CPORT
Cport Cport Branch
50 Riverside Industrial Parkway Portland ME
COMMUNITY
Community Community Branch
144 Pine Street Lewiston ME
DIRIGO
Auburn Auburn Branch
20 Washington St N Auburn ME
TRUGROCER
Wells Wells Branch
205 Spencer Dr Wells ME
CONNECTED
Maine Education Maine Education Branch
15 UNIVERSITY DRIVE AUGUSTA ME
SACO VALLEY
Saco Valley Saco Valley Branch
312 Main Street Saco ME
TRUGROCER
Wells Wells Branch
205 Spencer Dr Wells ME
CHANGING SEASONS
Changing Seasons Changing Seasons Branch
115 Mecaw RD Hampden ME
CAPITAL AREA
Capital Area Capital Area Branch
PO box 2626 Augusta ME
INFINITY
Infinity Infinity Branch
202 Larrabee Road Westbrook ME
UNIVERSITY
University University Branch
Rangeley Road Orono ME
CASCO
Casco Casco Branch
375 MAIN ST GORHAM ME
INFINITY
Infinity Infinity Branch
202 Larrabee Road Westbrook ME
MAINE SAVINGS
Maine Savings Maine Savings Branch
PO Box 347 Hampden ME


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union One-Year Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period (in the case of 1-year CDs, the period is obviously 1-year), you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

Many Americans enjoy performing their banking transactions with credit unions citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on 1-year CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the  Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s  Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year time deposit is 3 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, a small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates