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Savings
Whether you’re saving for the unexpected or something unforgettable, we’re here to help.
Advantage Savings
Why settle for a flat rate? Advantage Savings is designed to reward steady savers with better earnings as your balance grows over time. The more you save, the more you earn!
FEATURES INCLUDE:
- Tiered interest rates that increase with your balance
- No maturity dates or fees
- Digital and telephone banking access
- Nationwide access to over 5,000 Shared Branching locations
- Federally insured deposits
Advantage Savings
Effective As of 11/10/2025
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| Minimum Balance $2,000 – $25,000 | Dividend Rate 0.995% | APY* 1.00% |
| Minimum Balance $25,000.01 – $50,000 | Dividend Rate 1.490% | APY* 1.50% |
| Minimum Balance $50,000.01 – $100,000 | Dividend Rate 1.736% | APY* 1.75% |
| Minimum Balance $100,000.01 – $250,000 | Dividend Rate 2.227% | APY* 2.25% |
| Minimum Balance $250,000.01 and over | Dividend Rate 2.716% | APY* 2.75% |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Savings Accounts
Bucket your savings in one or several club savings accounts and be ready for your upcoming vacation, special event or any other opportunity life brings your way. Name your basic club savings accounts as you choose for a little extra motivation. Set up automatic transfers or direct deposits and watch your savings grow!
FEATURES INCLUDE:
- Flexible savings for any goal with the All Purpose Club
- No minimum balance requirement
- Track your savings goals in digital banking and check your balance anytime
- Free eStatements
It’s more than membership…it’s your place in a community that sees you, supports you, and shares in your goals. A $5 deposit makes it official and opens the door to everything Maine State CU offers.
FEATURES INCLUDE:
- Member-ownership with just a $5 deposit
- Interest earned on savings
- Automatic transfers for easy saving – just set it and forget it
- Online and mobile banking
- Free eStatements
- Nationwide access to 5,000+ Shared Branching locations
Share Savings
Effective As of 11/15/2025
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Share Savings | Minimum Balance $5.00 | Dividend Rate 0.05% | APY* 0.05% |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Set aside funds for your holiday celebrations all year long. You can set up automatic transfers from your checking account or direct deposit for each pay period. Or just make a deposit in person or through online or mobile banking when you have extra funds. Your holiday savings will automatically transfer to your checking or basic savings account on October 1.
- Make holiday spending easier with the Christmas Club–save a little all year long
- Christmas Club funds transfer automatically on October 1
- No minimum balance requirement
- Track your savings goals in digital banking and check your balance anytime
- Free eStatements
Club Savings
Effective As of 11/15/2025
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Christmas Club Savings | Minimum Balance 0.00 | Dividend Rate 0.00% | APY* 0.00%* |
| Account Type Basic Club Savings | Minimum Balance 0.00 | Dividend Rate 0.050% | APY* 0.05% |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Youth Savings
We offer two great savings accounts to help kids and teens grow their money: Marty Mountain for kids 0-12 years, and Teen Savings for ages 13-17.
FEATURES INCLUDE:
- Start with as little as $5
- Age-specific options
- Encourages smart savings habits
- Debit card access for Teen Accounts when paired with checking
Our Youth Savings Account for kids ages 0–12 is a great way to introduce the value of money and the importance of saving. With just a $5 minimum deposit to open, the Marty Mountain account is designed to be easy, accessible, and fun for young savers and their families.
Whether you’re saving birthday money, weekly allowances, or teaching goal-setting, this account sets the foundation for lifelong financial confidence.
Our Teen Savings Account is designed specifically for members ages 13–17. It’s a great way to build smart saving habits and can be paired with an Everyday Checking or Rewards Plus Checking Account for added convenience.
- Just $5 to open
- Pair with Everyday Checking or Rewards Plus Checking to receive a free debit card
Youth Savings
Effective As of 11/15/2025
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Marty Mountain | Kids Savings | Minimum Balance $5.00 | Dividend Rate 0.0050% | APY* 0.05% |
| Account Type Smart Savings for Teens | Minimum Balance $5.00 | Dividend Rate 0.0050% | APY* 0.05% |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Health Savings Accounts
Make the most of your healthcare dollars with a high-yield Health Savings Account (HSA). Enjoy tax advantages, no fees, and full digital access while staying in control of your medical expenses.
FEATURES INCLUDE:
- Earns interest to grow your savings faster
- Tax-free growth and tax-deductible contributions
- No fees, plus free checks and debit card
- Coverage for medical, dental, vision, and more
- Year-to-year rollover with no “use it or lose it” rule
- 24/7 digital access and local member support
Health Savings Account
Effective As of 11/15/2025
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Health Savings Account (HSA) | Minimum Balance $0.00 | Dividend Rate 0.747% | APY* 0.75% |
*APY=Annual Percentage Yield. Rates are subject to change at any time without notice. Distribution of funds made for reasons other than qualified medical expenses may be subject to tax penalties. Please consult your tax advisor for more information.
*APY=Annual Percentage Yield. Rates are subject to change at any time without notice. Distribution of funds made for reasons other than qualified medical expenses may be subject to tax penalties. Please consult your tax advisor for more information.
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