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Earn 3.00% APY for 20 months or 3.05% APY for 33 months—with the freedom to keep contributing along the way. Elevate Certificates from Maine Savings give you control, flexibility, and a rewarding path forward. Because your goals don’t stand still—and neither should your savings.
Contact UsEffective Date: Friday, December 5, 2025
| Dividend Rate | APY | Minimum to Open | Minimum to Earn Dividends | |
|---|---|---|---|---|
| 6 month (not available for IRA) | 3.00% | 3.04% | $500 * | $500 |
| 11 Month (not available for IRA) | 3.45% | 3.50% | $500 ** | $500 |
| 1 year | 3.30% | 3.35% | $500 * | $500 |
| 18 month | 2.08% | 2.10% | $500 * | $500 |
| 2 year | 3.01% | 3.05% | $500 * | $500 |
| 3 year | 3.06% | 3.10% | $500 * | $500 |
| 4 year | 3.11% | 3.15% | $500 * | $500 |
| 5 year | 3.20% | 3.25% | $500 * | $500 |
| 66 Month | 2.96% | 3.00% | $500 * | $500 |
| Elevate Certificate: 20 Month | 2.96% | 3.00% | $100 ** | $100 |
| Elevate Certificate: 33 Month | 3.01% | 3.05% | $100 ** | $100 |
For Share Certificate and IRA Certificate accounts (SC), the amount of the early withdrawal penalty will be as follows on the amount withdrawn (whether earned or not): Less than 6-month SC will result in a 3-month early withdrawal penalty (90 days); 6–18 month SC will result in a 6-month early withdrawal penalty (180 days); Any SC greater than 18 months–66 months will result in a 12-month early withdrawal penalty (365 days).
Owner’s Advantage Account (OAA) Product has been discontinued as of 10/1/2011. Anyone who currently has an OAA Share or IRA Certificate of Deposit will continue to receive the additional 0.10% rate on any renewal of the existing funds. There is no additional 0.10% rate increase on any new money that is invested in a Share or IRA Certificate of Deposit.
Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Maine Savings website. We encourage you to read the privacy and security policies of the site you are entering, which may be different than those of Maine Savings.