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Deposit Rates
Deposit Rates
Effective As of 11/25/2025
| Account Type | Minimum Average Daily Balance to Earn Dividends | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Maine Advantage Account | Minimum Average Daily Balance to Earn Dividends $500 | Dividend Rate 3.445% | APY* 3.50% on balances up to $15,0001 |
*APY=Annual Percentage Yield.
**To obtain dividends and ATM fee refunds, certain qualification requirements must be met. 3.50% APY earned on balances up to and including $15,000 for each qualification cycle that requirements are met. Balances over $15,000 earn 0.05% APY. If qualification requirements are met, dividends and ATM fee refunds will be posted on the last day of the month. If the qualification requirements are not met, all balances will earn 0.05% APY and normal ATM fees will apply. Fees may reduce earnings. Account must be in good standing. Account terms and conditions, including dividend rate, may change. Rates current as of the date of this issue. Subject to membership eligibility requirements. Full account terms can be found in our Membership Agreement and Disclosure.
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.
Effective As of 11/25/2025
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Christmas Club Savings | Minimum Balance 0.00 | Dividend Rate 0.050% | APY* 0.05%* |
| 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.
Effective As of 11/25/2025
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Marty Mountain | Kids Savings | Minimum Balance $5.00 | Dividend Rate 0.05% | APY* 0.05% |
| Account Type Smart Savings for Teens | Minimum Balance $5.00 | Dividend Rate 0.05% | APY* 0.05% |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Effective As of 11/25/2025
| 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.
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.
Effective As of 08/04/2025
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type IRA (Share Savings) | Minimum Balance N/A | Dividend Rate 0.747% | APY* 0.75%* |
| Account Type Roth IRA (Share Savings) | Minimum Balance N/A | Dividend Rate 0.747% | APY* 0.75%* |
*APY=Annual Percentage Yield. Rates are subject to change without notice. Consult your financial or tax advisor to understand tax benefits and implications relevant to your retirement plans.
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