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Compare Savings Rates in Maine – March 2026

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Current Maine Savings Rates and MMA Rates

For those in Maine, Atlantic Regional Federal Credit Union lists a Business Money Market at 4.00%. Current rates from Atlantic Regional Federal Credit Union include a Business Money Market Account at 4.00% APY. Current rates from Atlantic Regional Federal Credit Union include a Business Savings at 4.00% APY. Current rates from Atlantic Regional Federal Credit Union include a High Yield Savings at 4.00% APY.

Find the best savings and money market rates in Maine today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in ME, comparing APYs is the best way to maximize your interest earnings.

The following rates reflect recent market quotes and representative offers available to Maine depositors. Actual savings rates may vary by financial institution and market conditions.

Last Updated and Verified: March 5, 2026

Savings Rates in Maine and Area

  • Business Money Market:
    4.00%
  • Business Money Market Account:
    4.00%
  • Business Savings:
    4.00%
  • High Yield Savings:
    4.00%
  • Money Market Account:
    4.00%

Rates shown are recent market averages and representative quotes. Actual rates may vary.

Last Updated and Verified: March 5, 2026

Best Maine and Area Savings Rates & Money Market Rates

Bank / Credit Union
Product
APY
Min Deposit
Atlantic Regional Federal Credit Union York, ME
Business Money Market
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details $250,000 - $499,999

Atlantic Regional Federal Credit Union York, ME
Business Money Market Account
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details $250,000 - $499,999

Atlantic Regional Federal Credit Union York, ME
Business Savings
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details $250,000 - $499,999

Atlantic Regional Federal Credit Union York, ME
High Yield Savings
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Atlantic Regional Federal Credit Union York, ME
Money Market Account
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details $250,000 - $499,999

TruChoice Federal Credit Union South Portland, ME
Money Market Account
3.90%
$2,500
Rate 3.90%
Min Deposit $2,500
Last Updated 03/05/2026
Details Daily Balance $500,000+

Maine Family Federal Credit Union Lewiston, ME
Mini Money Market Accounts
3.66%
$0
Rate 3.66%
Min Deposit $0
Last Updated 03/05/2026
Details < $2,500

Eagle Bank Everett, MA Kennebunk, ME
Elite Money Market
3.49%
$20,000
Rate 3.49%
Min Deposit $20,000
Last Updated 03/05/2026
Details *7

Eagle Bank Everett, MA Kennebunk, ME
Platinum Money Market
3.49%
$20,000
Rate 3.49%
Min Deposit $20,000
Last Updated 03/05/2026
Details

Saco & Biddeford Savings Westbrook, ME
High Balance Savings
3.30%
$0
Rate 3.30%
Min Deposit $0
Last Updated 03/05/2026
Details

Saco & Biddeford Savings Westbrook, ME
High Balance Savings
3.20%
$0
Rate 3.20%
Min Deposit $0
Last Updated 03/05/2026
Details

Rockland Savings Bank Waldoboro, ME
RSB High Yield Savings
3.15%
$50,000
Rate 3.15%
Min Deposit $50,000
Last Updated 03/05/2026
Details Earns 3.15% APY on balances $250,000+

Camden National Bank York, NH
High-Yield Savings Account
3.10%
$25
Rate 3.10%
Min Deposit $25
Last Updated 03/05/2026
Details

Atlantic Regional Federal Credit Union York, ME
Money Market
3.10%
$0
Rate 3.10%
Min Deposit $0
Last Updated 03/05/2026
Details $1,000,000 +

PeoplesChoice Credit Union Wells, ME
BOOST Youth Savings
3.05%
$0
Rate 3.05%
Min Deposit $0
Last Updated 03/05/2026
Details Balances up to $2,500

Town & Country Federal Credit Union South Portland, ME
Money Market
3.04%
$2,000
Rate 3.04%
Min Deposit $2,000
Last Updated 03/05/2026
Details $250,000 +

Saco & Biddeford Savings Westbrook, ME
Mutual High Yield Savings
3.00%
$0
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Saco & Biddeford Savings Westbrook, ME
High Balance Savings
2.99%
$0
Rate 2.99%
Min Deposit $0
Last Updated 03/05/2026
Details

Atlantic Regional Federal Credit Union York, ME
Money Market
2.90%
$0
Rate 2.90%
Min Deposit $0
Last Updated 03/05/2026
Details $750,000 - $999,999

TruChoice Federal Credit Union South Portland, ME
Money Market Account
2.90%
$2,500
Rate 2.90%
Min Deposit $2,500
Last Updated 03/05/2026
Details Daily Balance $250,000 - $499,999.99

Cumberland County Federal Credit Union Yarmouth, ME
Money Market Savings
2.84%
$0
Rate 2.84%
Min Deposit $0
Last Updated 03/05/2026
Details Average Daily Balance $250,000.00 or more

Atlantic Regional Federal Credit Union York, ME
Money Market
2.80%
$0
Rate 2.80%
Min Deposit $0
Last Updated 03/05/2026
Details $500,000 - $749,999

Aroostook County FS&L Assoc. Presque Isle, ME
Money Market Now
2.80%
$1,000
Rate 2.80%
Min Deposit $1,000
Last Updated 03/05/2026
Details Minimum to Earn $100,000 & Over

NBT Bank Portland, ME
Accelerate Money Market Tier 5
2.78%
$0
Rate 2.78%
Min Deposit $0
Last Updated 03/05/2026
Details Average daily balance $500,000 +

Central Maine Federal Credit Union Lewiston, ME
Money Market (5)
2.78%
$0
Rate 2.78%
Min Deposit $0
Last Updated 03/05/2026
Details

cPort Credit Union Scarborough, ME
Money Market Plus Account
2.78%
$0
Rate 2.78%
Min Deposit $0
Last Updated 03/05/2026
Details $25,000 minimum balance to open. Transaction limits apply. $2,500 minimum average monthly balance to earn dividends. Fees could reduce earnings on any account.

Maine State Credit Union Waterville, ME
Advantage Savings
2.75%
$0
Rate 2.75%
Min Deposit $0
Last Updated 03/05/2026
Details

Seaboard Federal Credit Union Hermon, ME
Health Savings Account
2.75%
$0
Rate 2.75%
Min Deposit $0
Last Updated 03/05/2026
Details

Northeast Bank Portland, ME South Paris, ME
High Yield Savings
2.75%
$250,000
Rate 2.75%
Min Deposit $250,000
Last Updated 03/05/2026
Details

Northeast Bank Portland, ME South Paris, ME
High-Yield Savings
2.75%
$250,000
Rate 2.75%
Min Deposit $250,000
Last Updated 03/05/2026
Details

Seaboard Federal Credit Union Hermon, ME
Money Market
2.75%
$0
Rate 2.75%
Min Deposit $0
Last Updated 03/05/2026
Details

Maine Family Federal Credit Union Lewiston, ME
Money Market Accounts
2.75%
$2,500
Rate 2.75%
Min Deposit $2,500
Last Updated 03/05/2026
Details Money Market Accounts $50,000+

Northeast Bank Portland, ME South Paris, ME
PROPEL Preferred Savings
2.75%
$0
Rate 2.75%
Min Deposit $0
Last Updated 03/05/2026
Details

Camden National Bank York, NH
High-Yield Savings Account
2.65%
$25
Rate 2.65%
Min Deposit $25
Last Updated 03/05/2026
Details

Atlantic Regional Federal Credit Union York, ME
Money Market
2.65%
$0
Rate 2.65%
Min Deposit $0
Last Updated 03/05/2026
Details $250,000 - $499,999

Rockland Savings Bank Waldoboro, ME
RSB High Yield Savings
2.65%
$50,000
Rate 2.65%
Min Deposit $50,000
Last Updated 03/05/2026
Details Earns 2.650% APY on balances $50,000 - $249,999

Bangor Federal Credit Union Ellsworth, ME
IRA Savings
2.63%
$25
Rate 2.63%
Min Deposit $25
Last Updated 03/05/2026
Details Balances $75,000.01+

Bangor Federal Credit Union Ellsworth, ME
Money Market Account
2.63%
$2,000
Rate 2.63%
Min Deposit $2,000
Last Updated 03/05/2026
Details $75,000.01+

cPort Credit Union Scarborough, ME
Money Market Plus Account
2.63%
$0
Rate 2.63%
Min Deposit $0
Last Updated 03/05/2026
Details $25,000 minimum balance to open. Transaction limits apply. $2,500 minimum average monthly balance to earn dividends. Fees could reduce earnings on any account.

Kennebec Savings Bank Winthrop, ME
Premier Money Market
2.55%
$100
Rate 2.55%
Min Deposit $100
Last Updated 03/05/2026
Details

Town & Country Federal Credit Union South Portland, ME
Money Market
2.53%
$2,000
Rate 2.53%
Min Deposit $2,000
Last Updated 03/05/2026
Details $100,000 - $249,999

CASCO Federal Credit Union Gorham, ME
Money Market
2.53%
$2,000
Rate 2.53%
Min Deposit $2,000
Last Updated 03/05/2026
Details Average Daily Balance $75,000 or more

Central Maine Federal Credit Union Lewiston, ME
Money Market (4)
2.53%
$0
Rate 2.53%
Min Deposit $0
Last Updated 03/05/2026
Details

Lisbon Community Federal Credit Union Lisbon, ME
Money Market Accounts
2.53%
$0
Rate 2.53%
Min Deposit $0
Last Updated 03/05/2026
Details

Community Credit Union Turner, ME
Money Markets
2.53%
$0
Rate 2.53%
Min Deposit $0
Last Updated 03/05/2026
Details

Atlantic Regional Federal Credit Union York, ME
Business Money Market
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details $100,000 - $249,999

Atlantic Regional Federal Credit Union York, ME
Business Money Market Account
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details $100,000 - $249,999

Atlantic Regional Federal Credit Union York, ME
Business Savings
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details $100,000 - $249,999

Atlantic Regional Federal Credit Union York, ME
High Yield Savings
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details

Downeast Credit Union Unity, ME
Money Market
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Maine directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Maine. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in ME.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.

Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Maine. It is always advisable to check with the specific financial institution's official website for the most current offers and terms. Last Updated and Verified: March 5, 2026

How to Find the Best Savings Account in Maine

  1. Compare APY (Annual Percentage Yield) The APY determines how much interest you will earn in a year. Unlike simple interest, APY includes compound interest. Always look for the highest APY to maximize your earnings.
  2. Check Minimum Deposit Requirements Some high-yield savings accounts require a large initial deposit (e.g., $5,000 or $10,000) to earn the advertised rate. Ensure you can meet these minimums before applying.
  3. Review Monthly Fees Avoid accounts that charge monthly maintenance fees, as these can eat into your interest earnings. Many online banks and credit unions offer no-fee savings accounts.
  4. Verify FDIC or NCUA Insurance Ensure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured. This protects your deposits up to $250,000 per depositor.

Frequently Asked Questions for Maine

What are the current savings rates in Maine and the surrounding area
Below is a list of current savings and money market rates available for Maine. We track lenders daily to provide the most up-to-date APY and term information.

Lender / Product
APY
Min Dep
Atlantic Regional Federal Credit Union
Business Money Market
4.00%
$0
Atlantic Regional Federal Credit Union
Business Money Market Account
4.00%
$0
Atlantic Regional Federal Credit Union
Business Savings
4.00%
$0
Atlantic Regional Federal Credit Union
High Yield Savings
4.00%
$0
Atlantic Regional Federal Credit Union
Money Market Account
4.00%
$0
Lender / Product
APY
Min Dep
TruChoice Federal Credit Union
Money Market Account
3.90%
$2,500
Maine Family Federal Credit Union
Mini Money Market Accounts
3.66%
$0
Eagle Bank Everett, MA
Elite Money Market
3.49%
$20,000
Eagle Bank Everett, MA
Platinum Money Market
3.49%
$20,000
Saco & Biddeford Savings
High Balance Savings
3.30%
$0
Last Updated and Verified: March 5, 2026
What is a High-Yield Savings Account?
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe?
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime?
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change?
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.

Cities in Maine

Abbot
Acton
Addison
Albion
Alfred
Alna
Andover
Anson
Ashland
Athens
Auburn
Augusta
Aurora
Bailey Island
Baileyville
Bangor
Bar Harbor
Bar Mills
Bass Harbor
Bath
Bayville
Beals
Belfast
Belgrade
Belgrade Lakes
Benedicta
Bernard
Berwick
Bethel
Biddeford
Biddeford Pool
Bingham
Birch Harbor
Blaine
Blue Hill
Blue Hill Falls
Boothbay
Boothbay Harbor
Bowdoin
Bowdoinham
Bradford
Bradley
Bremen
Brewer
Bridgewater
Bridgton
Bristol
Brooklin
Brooks
Brooksville
Brookton
Brownfield
Brownville
Brownville Junction
Brunswick
Bryant Pond
Buckfield
Bucksport
Burlington
Burnham
Bustins Island
Calais
Cambridge
Camden
Canaan
Canton
Cape Elizabeth
Cape Neddick
Cape Porpoise
Caratunk
Cardville
Caribou
Carmel
Cary
Casco
Castine
Center Lovell
Chamberlain
Charleston
Chebeague Island
Cherryfield
China
Clayton Lake
Cliff Island
Clinton
Columbia Falls
Coopers Mills
Corea
Corinna
Corinth
Cornish
Costigan
Cranberry Isles
Crouseville
Cumberland Center
Cumberland Foreside
Cushing
Cutler
Damariscotta
Danforth
Danville
Deer Isle
Denmark
Dennysville
Detroit
Dexter
Dixfield
Dixmont
Dover Foxcroft
Dresden
Dryden
Durham
Eagle Lake
East Andover
East Baldwin
East Blue Hill
East Boothbay
East Dixfield
East Livermore
East Machias
East Millinocket
East Newport
East Orland
East Parsonfield
East Poland
East Vassalboro
East Waterboro
East Wilton
East Winthrop
Easton
Eastport
Eddington
Edgecomb
Eliot
Ellsworth
Estcourt Station
Etna
Eustis
Exeter
Fairfield
Falmouth
Farmingdale
Farmington
Farmington Falls
Fort Fairfield
Fort Kent
Fort Kent Mills
Frankfort
Franklin
Freedom
Freeport
Frenchboro
Frenchville
Friendship
Fryeburg
Gardiner
Garland
Georgetown
Glen Cove
Gorham
Gouldsboro
Grand Isle
Grand Lake Stream
Gray
Greene
Greenville
Greenville Junction
Guilford
Hallowell
Hampden
Hancock
Hanover
Harborside
Harmony
Harpswell
Harrington
Harrison
Hartland
Hebron
Hinckley
Hiram
Holden
Hollis Center
Hope
Houlton
Howland
Hudson
Hulls Cove
Island Falls
Isle Au Haut
Isle Of Springs
Islesboro
Islesford
Jackman
Jay
Jefferson
Jonesboro
Jonesport
Kenduskeag
Kennebunk
Kennebunkport
Kents Hill
Kingfield
Kingman
Kittery
Kittery Point
Lagrange
Lambert Lake
Lebanon
Lee
Leeds
Levant
Lewiston
Liberty
Limerick
Limestone
Limington
Lincoln
Lincolnville
Lincolnville Center
Lisbon
Lisbon Falls
Litchfield
Little Deer Isle
Livermore
Livermore Falls
Locke Mills
Long Island
Lovell
Lubec
Machias
Machiasport
Madawaska
Madison
Manchester
Manset
Mapleton
Mars Hill
Masardis
Matinicus
Mattawamkeag
Mechanic Falls
Meddybemps
Medway
Merepoint
Mexico
Milbridge
Milford
Millinocket
Milo
Minot
Monhegan
Monmouth
Monroe
Monson
Monticello
Moody
Morrill
Mount Desert
Mount Vernon
Naples
New Gloucester
New Harbor
New Limerick
New Portland
New Sharon
New Sweden
New Vineyard
Newagen
Newcastle
Newfield
Newport
Newry
Nobleboro
Norridgewock
North Anson
North Berwick
North Bridgton
North Haven
North Jay
North Monmouth
North New Portland
North Turner
North Vassalboro
North Waterboro
North Waterford
North Yarmouth
Northeast Harbor
Norway
Oakfield
Oakland
Ocean Park
Ogunquit
Olamon
Old Orchard Beach
Old Town
Oquossoc
Orient
Orland
Orono
Orrington
Orrs Island
Otter Creek
Owls Head
Oxbow
Oxford
Palermo
Palmyra
Paris
Parsonsfield
Passadumkeag
Patten
Peaks Island
Pemaquid
Pembroke
Penobscot
Perham
Perry
Peru
Phillips
Phippsburg
Pittsfield
Plymouth
Poland
Port Clyde
Portage
Porter
Portland
Pownal
Presque Isle
Princeton
Prospect Harbor
Quimby
Randolph
Rangeley
Raymond
Readfield
Richmond
Robbinston
Rockland
Rockport
Rockwood
Round Pond
Roxbury
Rumford
Rumford Center
Sabattus
Saco
Saint Agatha
Saint Albans
Saint David
Saint Francis
Saint George
Salsbury Cove
Sandy Point
Sanford
Sangerville
Sargentville
Scarborough
Seal Cove
Seal Harbor
Searsmont
Searsport
Sebago
Sebago Lake
Sebasco Estates
Sebec
Sedgwick
Shapleigh
Shawmut
Sheridan
Sherman Mills
Sherman Station
Shirley Mills
Sinclair
Skowhegan
Small Point
Smithfield
Smyrna Mills
Soldier Pond
Solon
Sorrento
South Berwick
South Bristol
South Casco
South China
South Freeport
South Gardiner
South Paris
South Portland
South Thomaston
South Waterford
South Windham
Southport
Southwest Harbor
Springfield
Springvale
Spruce Head
Squirrel Island
Stacyville
Standish
Steep Falls
Stetson
Steuben
Stillwater
Stockholm
Stockton Springs
Stoneham
Stonington
Stratton
Strong
Sullivan
Sumner
Sunset
Surry
Swans Island
Temple
Tenants Harbor
Thomaston
Thorndike
Topsfield
Topsham
Trevett
Troy
Turner
Turner Center
Union
Unity
Van Buren
Vanceboro
Vassalboro
Vienna
Vinalhaven
Waite
Waldoboro
Walpole
Warren
Washburn
Washington
Waterboro
Waterford
Waterville
Wayne
Weld
Wells
Wesley
West Baldwin
West Bethel
West Boothbay Harbor
West Buxton
West Enfield
West Farmington
West Forks
West Kennebunk
West Minot
West Newfield
West Paris
West Poland
West Rockport
West Tremont
Westbrook
Westfield
Whitefield
Whiting
Wilton
Windham
Windsor
Winn
Winter Harbor
Winterport
Winterville
Winthrop
Wiscasset
Woolwich
Wytopitlock
Yarmouth
York
York Beach
York Harbor