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New Money+ Share Certificate Specials
Grow with Confidence
Choose the term that fits your goals.
Guaranteed returns with the flexibility to choose the term that works best for your savings strategy.
3.75%
APY*
7 Month
New Money+ Share Certificate
3.85%
APY*
13 Month
New Money+ Share Certificate
* Annual Percentage Yield (APY) is available for share certificates opened on or before October 31, 2026 with qualifying new money+. Minimum balance of $500 is required to earn the advertised APY. A penalty may be imposed for early withdrawal. Subject to membership eligibility.
+Share certificates must be opened with qualifying new money. New money is defined as funds not currently on deposit with Maine State Credit Union. Funds currently on deposit may be used in combination with new money of $20,000 or more to fund certificates in excess of $20,000.
+Share certificates must be opened with qualifying new money. New money is defined as funds not currently on deposit with Maine State Credit Union. Funds currently on deposit may be used in combination with new money of $20,000 or more to fund certificates in excess of $20,000.
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
Certificate Earnings Calculator
Estimate your earnings based on term and deposit amount.
Effective As of 09/24/2026
| Term | Minimum Deposit | Dividend Rate | APY* |
|---|---|---|---|
| Term 3-Month | Minimum Deposit $500 | Dividend Rate 3.445% | APY* 3.50% |
| Term 6-Month | Minimum Deposit $500 | Dividend Rate 3.300% | APY* 3.35% |
| Term 1-Year | Minimum Deposit $500 | Dividend Rate 3.445% | APY* 3.50% |
| Term 18-Month | Minimum Deposit $500 | Dividend Rate 3.445% | APY* 3.50% |
| Term 2-Year | Minimum Deposit $500 | Dividend Rate 3.397% | APY* 3.45% |
| Term 3-Year | Minimum Deposit $500 | Dividend Rate 3.203% | APY* 3.25% |
| Term 4-Year | Minimum Deposit $500 | Dividend Rate 3.203% | APY* 3.25% |
| Term 5-Year | Minimum Deposit $500 | Dividend Rate 3.105% | APY* 3.15% |
* The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. Fees could reduce earnings on account. 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.
+Share certificates must be opened with qualifying new money. New money is defined as funds not currently on deposit with Maine State Credit Union. Funds currently on deposit may be used in combination with new money of $20,000 or more to fund certificates in excess of $20,000.
+ Share certificates must be opened with qualifying new money. New money is defined as funds not currently on deposit with Maine State Credit Union. Funds currently on deposit may be used in combination with new money of $20,000 or more to fund certificates in excess of $20,000.
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.