Maine State rates: up to 3.50% APY
credit union · NCUA CHARTER 63377 · www.mainestatecu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Advantage Savings | $2,000 – $25,000 | 0.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Advantage Savings | $25,000.01 – $50,000 | 1.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Advantage Savings | $50,000.01 – $100,000 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Advantage Savings | $100,000.01 – $250,000 | 1.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Advantage Savings | $250,000.01 and over | 2.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Basic Club Savings | 0.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Christmas Club Savings | 0.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account (HSA) | $0.00 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA (Share Savings) | N/A · rates dated 1 Jun 2026 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Marty Mountain | Kids Savings | $5.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Roth IRA (Share Savings) | N/A | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $500 – $15,000 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $15,000.01 – $100,000 | 0.57% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Savings | $5.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Smart Savings for Teens | $5.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3-Month | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA / Roth IRA Savings Certificates | 3-Month | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6-Month | 3.35% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA / Roth IRA Savings Certificates | 6-Month | 3.35% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 1-Year | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA / Roth IRA Savings Certificates | 1-Year | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18-Month | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA / Roth IRA Savings Certificates | 18-Month | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 2-Year | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA / Roth IRA Savings Certificates | 2-Year | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 3-Year | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA / Roth IRA Savings Certificates | 3-Year | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 4-Year | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA / Roth IRA Savings Certificates | 4-Year | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 5-Year | 3.15% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA / Roth IRA Savings Certificates | 5-Year | 3.15% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.mainestatecu.org/rates/deposit-rates/ | 2026-11-02 00:23 UTC | ok | f95a0085b7ed |
| www.mainestatecu.org/checking-and-savings/share-certificates-iras/ | 2026-11-02 00:23 UTC | ok | 9df4e8cdf778 |
| www.mainestatecu.org/rates/ | — | extract-failed |