Account Rates
Our competitive savings and loan rates will help you meet your financial goals effectively.
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CD Rates
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Savings Account Rates
Effective: April 9, 2025
| Account Type | Minimum Dividend Balance | Dividend Rate* | APY** |
|---|---|---|---|
| Membership Share | $25.00 | 0.05% | 0.05% |
| Minimum Balance Share | $100.00 | 0.05% | 0.05% |
| Christmas & All Purpose Clubs | $25.00 | 0.05% | 0.05% |
| Monty Moose Youth Savers (For children up to 12 years old) | $25.00 | 0.05% | 0.05% |
| Share IRA | $25.00 | 0.25% | 0.25% |
| Super Saver | $25.00 | 0.30% | 0.30% |
| Money Market (1) | $25.00 | 0.00% | 0.00% |
| Money Market (2) | $100.00 | 0.05% | 0.05% |
| Money Market (3) | $2,500.00 | 2.50% | 2.53% |
| Money Market (4) | $50,000.01 | 2.75% | 2.79% |
| Money Market (5) | $100,000.00 | 3.00% | 3.04% |
@Provided that membership is already established
Checking account rates
Effective: April 9, 2025
| Account Type | Minimum Dividend Balance | Dividend Rate* | APY** |
|---|---|---|---|
| Value Checking | N/A | 0.00% | 0.00% |
| Value Plus Checking $3.00 Monthly fee if average balance falls below $100.00 |
$500.00 | 0.02% | 0.02% |
| Cash Management (1) $6.00 Monthly fee if average balance falls below $5,000.00 |
$500.00 | 0.02% | 0.02% |
| Cash Management (2) $6.00 Monthly fee if average balance falls below $5,000.00 |
$5,000.01 | 0.03% | 0.03% |
| Cash Management (3) $6.00 Monthly fee if average balance falls below $5,000.00 |
$50,000.01 | 0.05% | 0.05% |
| Advantage Plus Checking (1) Requires direct deposit & $10,000 in savings balances |
$1,000.00 | 0.02% | 0.02% |
| Advantage Plus Checking (2) Requires direct deposit & $10,000 in savings balances |
$10,00.01 | 0.03% | 0.03% |
| Advantage Plus Checking (3) Requires direct deposit & $10,000 in savings balances |
$25,000.01 | 0.05% | 0.05% |
| Business Checking $7.00 Monthly fee |
N/A | 0.00% | 0.00% |
| Second Chance Checking $9.95 Monthly fee |
N/A | 0.00% | 0.00% |
| Health Savings Checking (1) | $100.00 | 0.05% | 0.05% |
| Health Savings Checking (2) | $1,000.00 | 0.10% | 0.10% |
| Health Savings Checking (3) | $10,000.00 | 0.15% | 0.15% |
| e-Checking (1)*** | $1,000.01 | 0.02% | 0.02% |
| e-Checking (2)*** | $10,000.01 | 0.05% | 0.05% |
| e-Checking (3)*** | $25,000.01 | 0.10% | 0.10% |
| e-Checking (4)*** | $50,000.01 | 0.12% | 0.12% |
| e-Checking (5)*** | $100,000.01 | 0.15% | 0.15% |
Your savings federally insured to $250,000 by NCUA (National Credit Union Administration) - A U.S. government agency. Dividend rates subject to change without notice. Please ask a financial service representative about additional terms and conditions. ***e-Checking requires e-statemeents and direct deposit of net pay. A/C will be transferred to value checking if requests not met ****Available to members age 55 and over that maintain a direct deposit relationship and minimum aggregate savings of $10,000 with the credit union. *****Unless ordering checks or a debit card Other Important Information - Please Read 1.) Fees could reduce earnings on the account. 2.) The Annual Precentage Yields (APY) are accurate as of the date shown above. For current rates, please call 783-1475. 3.) Membership in Central Maine FCU requires a $10.00 membership share account. 4.) All IRA's are assessed a $10 closing fee when the account is closed.
share certificate rates
Fixed-Rate Share Certificates
Rates effective April 9, 2025
| Account Type | Minimum Account Balance | Dividend Rate* | APY** |
|---|---|---|---|
| 6 Month Term | $1,000.00 | 4.00% | 4.07% |
| 12 Month Term | $1,000.00 | 3.95% | 4.02% |
| 18 Month Term | $1,000.00 | 3.90% | 3.97% |
| 24 Month Term | $1,000.00 | 3.80% | 3.87% |
| 36 Month Term | $1,000.00 | 3.75% | 3.83% |
| 48 Month Term | $1,000.00 | 3.70% | 3.76% |
| 60 Month Term | $1,000.00 | 3.85% | 3.92% |
Fixed-Rate IRA Share Certificates
Rates effective April 9, 2025
| Account Type | Minimum Account Balance | Dividend Rate* | APY** |
|---|---|---|---|
| 12 Month Term | $1,000.00 | 3.95% | 4.02% |
| 24 Month Term | $1,000.00 | 3.80% | 3.87% |
| 36 Month Term | $1,000.00 | 3.75% | 3.83% |
| 48 Month Term | $1,000.00 | 3.70% | 3.76% |
| 60 Month Term | $1,000.00 | 3.85% | 3.92% |
Wealth Builder IRA Share Certificates
Rates effective April 9, 2025
| Account Type | Minimum Account Balance | Dividend Rate* | APY** |
|---|---|---|---|
| 12 Month Term | $1,000.00 | 4.05% | 4.13% |
| 24 Month Term | $1,000.00 | 3.90% | 3.97% |
| 36 Month Term | $1,000.00 | 3.85% | 3.92% |
| 48 Month Term | $1,000.00 | 3.80% | 3.87% |
| 60 Month Term | $1,000.00 | 3.95% | 4.02% |
Variable-Rate IRA Share Certificates
Rates effective April 9, 2025
| Account Type | Minimum Account Balance | Dividend Rate* | APY** |
|---|---|---|---|
| 12 Month Term | $500.00 | 4.05% | 4.13% |
| 18 Month Term | $25.00 | 4.00% | 4.07% |
| 24 Month Term | $500.00 | 3.90% | 3.97% |
Your savings are federally insured to $250,000 by NCUA (National Credit Union Administration) - a U.S. Government Agency
Not responsible for printing errors.
*Dividend rates subject to change without notice
@ no rate premiums permitted
**Assumes dividends will be added to principal. Accrued dividends not paid if the account is closed before dividends are credited. Please see a financial services representative about additional terms and conditions.
Other Important Information - Please Read
**Maximum rate premium is ten (10) 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.
All IRA's are assessed a $10 closing fee when the IRA is closed/brought down to a zero balance.