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Deposit Rates
Deposit Rates
Effective As of 10/4/2026
| Average Daily Balance | Dividend Rate | Annual Percentage Yield ( APY ) |
|---|---|---|
| Average Daily Balance $500 – $15,000 | Dividend Rate 3.445% | Annual Percentage Yield ( APY ) 3.50% |
| Average Daily Balance $15,000.01 – $100,000 | Dividend Rate 0.050% | Annual Percentage Yield ( APY ) 3.50 – 0.57 % |
| Average Daily Balance All Balances | Dividend Rate 0.050% | Annual Percentage Yield ( APY ) 0.050% |
APY=Annual Percentage Yield. To obtain dividends and ATM fee refunds, certain qualification requirements must be met. 3.50% APY earned on balances of $500 and up to and including $15,000 for each qualification cycle that requirements are met. Balances over $15,000 earn 0.050% 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 0.050% 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, rates are subject to change after account opening. Subject to membership eligibility requirements. Full account terms can be found in our Membership Agreement and Disclosure.
Effective As of 09/21/2026
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| Minimum Balance $2,000 – $25,000 | Dividend Rate 0.847% | APY* 0.85% |
| Minimum Balance $25,000.01 – $50,000 | Dividend Rate 1.094% | APY* 1.10% |
| Minimum Balance $50,000.01 – $100,000 | Dividend Rate 1.490% | APY* 1.50% |
| Minimum Balance $100,000.01 – $250,000 | Dividend Rate 1.785% | APY* 1.80% |
| Minimum Balance $250,000.01 and over | Dividend Rate 2.570% | APY* 2.60% |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
This is a tiered, blended‑rate account. Your dividend rate and Annual Percentage Yield (APY) will vary depending on the balance tier that applies to your average daily balance for the dividend period. Each tier’s rate is applied only to the portion of your balance within that tier, and the total of all tiers creates your blended APY. Minimum balance to open account is $2,000 and you must maintain a minimum average daily balance of $2,000.00 during the dividend period.
Effective As of 10/4/2026
| 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 10/4/2026
| 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 10/4/2026
| 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 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.
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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