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Certificate of Deposit Accounts
The right choice for you if:
You want a risk-free savings option, a place to put some money you’d like to see earn interest. You’ll enjoy a guaranteed rate of return.
1 Penalty may be imposed for early withdrawal. Fees could reduce earnings.
* Annual Percentage Yield (APY) as of 10/16/26. The minimum daily balance to earn APY is $0.01.
Additional CDs We Offer
We love to see our neighbors succeed, so you can trust us to take your future as seriously as you do. All of our CD account options include features that protect your funds and make it easy for you to check in on your progress anytime.
- Secure digital banking access to accounts
- Ability to set alerts to monitor activity
- Monthly electronic statements
- FDIC insured accounts
- Easy online enrollment
Our Account Opening Checklist can help you get started.
Today’s Personal CD Rates
| Term | Interest Rate | APY |
|---|---|---|
| 3 Months | 3.50% | 3.56% |
| 6 Months | 3.25% | 3.30% |
| 7 Months* Special | 4.25% | 4.33% |
| 9 Months | 3.15% | 3.20% |
| 12 Months | 3.00% | 3.04% |
| 18 Months | 1.00% | 1.00% |
| 24 Months | 1.25% | 1.26% |
| 36 Months | 1.50% | 1.51% |
| 60 Months | 2.00% | 2.02% |
Interest rates and Annual Percentage Yields (APYs) are accurate as of Thursday, November 12, 2026. Penalty may be imposed for early withdrawal. Fees could reduce earnings. $500 minimum deposit to open account; minimum daily balance to earn APY is $.01.
*$2,500 minimum deposit to open account; limited time offer.
If you have a dispute with your financial institution or credit union regarding your account, you may contact the financial institution or credit union and attempt to resolve the problem directly. If the financial institution or credit union fails to resolve the problem, communicate the problem and the resolution you are seeking to:
Maine Bureau of Financial Institutions
36 State House Station
Augusta, Maine 04333-0036
To file a complaint electronically, you may contact the Maine Bureau of Financial Institutions at the following Internet address:
https://www.maine.gov/pfr/financialinstitutions/consumer-tools/complaints
When your complaint involves a federally-chartered financial institution or credit union, the Maine Bureau of Financial Institutions will refer it to the appropriate federal supervisory agency.