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Don’t guess where rates are going. Earn an extra 0.10% APY** with our certificate ladder promotion. This means you can earn 3.90% APY for 8 months, 4.00% APY for 15 months, and 4.10% APY for 23 months when you ladder these certificates. By spreading your savings across multiple maturity dates, you’ll have regular access to your money while keeping the rest working hard for you.
Contact UsAPY = Annual Percentage Yield. The APYs shown for the promotional certificate ladder already include the 0.10 percentage point (10 basis point) increase above the otherwise applicable published APY for each certificate term. To qualify, Maine Savings Federal Credit Union members must establish the promotional share certificate ladder by opening certificates using each of the three specified terms shown. Funds should be distributed relatively evenly among the three certificate terms, with each certificate representing at least 25% of the total amount deposited. Minimum opening deposit is $500 per certificate. The promotional APYs apply to each certificate’s initial term only and do not carry over at maturity or renewal. Program availability is subject to change, and Maine Savings may modify or discontinue the offer. A penalty may be imposed for early withdrawal. Fees, if applicable, may reduce earnings. Federally insured by NCUA.
Earn 3.60% APY for 27 months or 3.70% APY for 39 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 Us*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.
Effective Date: Tuesday, October 13, 2026
| Dividend Rate | APY | Minimum to Open | Minimum to Earn Dividends | |
|---|---|---|---|---|
| 6 month (not available for IRA) | 3.20% | 3.25% | $500 * | $500 |
| 7 Month (not available for IRA) | 3.69% | 3.75% | $500 * | $500 |
| 8 Month (not available for IRA) | 3.74% | 3.80% | $500 ** | $500 |
| 9 Month (not available for IRA) | 3.74% | 3.80% | $500 * | $500 |
| 11 Month (not available for IRA) | 3.78% | 3.85% | $500 ** | $500 |
| 1 year | 3.45% | 3.50% | $500 * | $500 |
| 15 Month | 3.83% | 3.90% | $500 * | $500 |
| 18 month | 3.88% | 3.95% | $500 * | $500 |
| 23 Month | 3.93% | 4.00% | $500 * | $500 |
| 2 year | 3.69% | 3.75% | $500 * | $500 |
| Elevate Certificate: 27 Month | 3.54% | 3.60% | $100 ** | $100 |
| 31 Month | 3.93% | 4.00% | $500 * | $500 |
| 3 year | 3.45% | 3.50% | $500 * | $500 |
| Elevate Certificate: 39 Month | 3.64% | 3.70% | $100 ** | $100 |
| 4 year | 3.88% | 3.95% | $500 * | $500 |
| 5 year | 3.93% | 4.00% | $500 * | $500 |
| 66 Month | 3.93% | 4.00% | $500 * | $500 |
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.