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Grow your savings with confidence
A Share Certificate from Maine State CU can help you grow your savings safely and securely. It’s an easy way to set money aside for your future while earning steady returns. Choose a term that fits your goals, sit back, and let your savings work for you with the peace of mind that comes from a guaranteed return.
FEATURES INCLUDE:
- Steady growth with 9-Month returns
- Low minimum deposit required*
- Insured and secure savings
- Smart savings, strong 3.95% return
- Guaranteed rate for your full term
- A safe way to grow your money
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.
APY = Annual Percentage Yield. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity.
Minimum opening balance of $500 required 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.
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Unlock the Benefits of Share Certificates: A Safe and Rewarding Way to Grow Your Savings
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