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Share Certificate
9 Month | 3.95% APY*
Small Step. Big Impact.
It doesn’t take a giant leap to start growing your savings — just one smart move.
Share Certificates
A Maine State CU Share Certificate keeps your longer-term savings safe and sound while maximizing earnings.
FEATURES INCLUDE:
- Guaranteed rates of return higher than a standard savings account
- Set it and forget it – pick your term, sit back, and watch your money grow
- Variety of term options available
Effective As of 11/10/2025
| Term | Minimum Deposit | Rate | APY* |
|---|---|---|---|
| Term 9-Month | Minimum Deposit $500 | Rate 3.880% | APY* 3.95% |
| Term 3-Month | Minimum Deposit $500 | Rate 3.542% | APY* 3.60% |
| Term 6-Month | Minimum Deposit $500 | Rate 3.687% | APY* 3.75% |
| Term 1-Year | Minimum Deposit $500 | Rate 3.542% | APY* 3.60% |
| Term 18-Month | Minimum Deposit $500 | Rate 3.494% | APY* 3.55% |
| Term 2-Year | Minimum Deposit $500 | Rate 3.445% | APY* 3.50% |
| Term 3-Year | Minimum Deposit $500 | Rate 3.154% | APY* 3.20% |
| Term 4-Year | Minimum Deposit $500 | Rate 2.960% | APY* 3.00% |
| Term 5-Year | Minimum Deposit $500 | Rate 2.765% | APY* 2.80% |
APY = Annual Percentage Yield. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. Early withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. Rates are subject to change without notice. Certificate rates quoted are fixed for the term of the account. Certificates renew at the end of the quoted term with a 10-day grace period. For IRA and Roth IRA certificates: Consult your financial or tax advisor to understand tax benefits and implications relevant to your retirement plans and current income.
*Annual percentage yield (APY) assumes dividend will remain on deposit until maturity. Early withdrawal will reduce earnings. A penalty may be imposed for early withdrawal. Minimum opening balance of $500 required. Rates current as of 11/10/2025 and are subject to change without notice. Certificate rates quoted are fixed for the term of the account. Certificates renew at the end of the quoted term with a 10-day grace period. Federally Insured by the NCUA.
Another Happy Camper
With over 35,000 members, Maine State Credit Union has been recognized by Forbes as one the best credit unions in Maine for four years running. Here’s another reason why members love us.