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1. Fees could reduce earnings on the account.
2. The Annual Percentage Yields (APY) are accurate as of the 
    date shown above.
3. A penalty will be imposed for early withdrawal on Share 
    Certificate Accounts and IRA's that indicate an early 
    withdrawal penalty.
4. Membership in Central Maine FCU requires a $10.00
    membership share account.
5. All IRA's are assessed a $10 closing fee when the account is
    closed.
6. Rate premiums on fixed rate Share Certificates:
    ** ten (10) basis points for Member's Choice if in the program as of
           the opening date;
    ** Maximum combined rate premium is twenty (20) basis points and rate premiums will not automatically occur at renewal. It is the responsibility of the member to request eligible premiums at time of renewal.

No Rate premiums are permitted on Fixed Rate IRA Share Certificates, Variable Rate IRA Share Certificates and the Wedding Registry Fixed Rate Share Certificate.

Dividend rates subject to change without notice

Your savings Federally Insured to $250,000 by NCUA (National Credit Union Administration) - A U.S. Government Agency


Fixed Rate Share Certificates

Rates effective August 17, 2017
  Account Type  Minimum Account Balance  Dividend Rate  Annual Percentage Yield
6 Month Term$1,000.65%.65%  
12 Month Term$1,0001.15%1.15%  
18 Month Term$1,0001.25%1.25%Calculator 
24 Month Term$1,0001.30%1.30%  
36 Month Term$1,0001.50%1.51%Calculator 
48 Month Term$1,0001.90%1.91%  
60 Month Term$1,0002.10%2.12%  
The Wedding Registry 12 Month Term$01.00%1.00%  

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Fixed Rate IRA Share Certificates

Rates effective August 17, 2017
  Account Type  Minimum Account Balance  Dividend Rate  Annual Percentage Yield
12 Month Term$1,000.75%.75%Calculator 
24 Month Term$1,0001.00%1.00%Calculator 
36 Month Term$1,0001.25%1.25%Calculator 
48 Month Term$1,0001.50%1.51%Calculator 
60 Month Term$1,0001.75%1.76%  

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Wealth Builder IRA Share Certificates (6)

Rates effective August 17, 2017
  Account Type  Minimum Account Balance  Dividend Rate  Annual Percentage Yield
12 Month Term$1,0001.00%1.00%Calculator 
24 Month Term$1,0001.30%1.30%Calculator 
36 Month Term$1,0001.60%1.61%Calculator 
48 Month Term$1,0002.00%2.01%Calculator 
60 Month Term$1,0002.10%2.12%  

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Variable Rate IRA Share Certificates

Rates effective August 17, 2017
  Account Type  Minimum Account Balance  Dividend Rate  Annual Percentage Yield
12 Month Term$5001.00%1.00%Calculator 
18 Month Term$251.25%1.25%Calculator 
24 Month Term$5001.40%1.40%Calculator 

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Checking

Checking Accounts

Rates effective July 1, 2017
  Account Type  Minimum Account Balance  Minimum Dividend Balance  Dividend Rate  Annual Percentage Yield
Value Checking$0N/A0.00%0.00%  
Value Plus Checking (1)$0$500.000.02%0.02%  
Cash Management (2)$0$500.000.02%0.02%  
 $0$5,000.010.05%0.05%  
 $0$50,000.010.10%0.10%  
Advantage Plus Checking (3)$0$1,000.000.02%0.02%  
 $0$10,000.010.05%0.05%  
Business Checking (4)$0N/A0.00%0.00%  
Active Checking$0N/A0.00%0.00%  
Health Savings Checking$0$100.000.05%0.05%  
 $0$1,000.000.10%0.10%  
 $0$10,000.000.15%0.15%  
e-Checking (5)$0$1,000.010.10%0.10%  
 $0$10,000.010.15%0.15%  
 $0$25,000.010.20%0.20%  
 $0$50,000.010.25%0.25%  
 $0$100,000.010.30%0.30%  
(1) $3 Monthly Fee if average daily balance falls below $100.
(2) $6 Monthly Fee if average daily balance falls below $5000.
(3) Requires Direct Deposit & $10,000 in Savings Balances.
(4) $7 Monthly Fee.
(5) Requires e-statements and direct deposit of net pay, A/C will be transferred to value checking if requirements are not met.
(6) No penalty free withdrawals permitted, including dividends or required minimum distributions. All early withdrawals will be assessed a penalty regardless of reason.

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