# Maine Community Bank CD rates

As of October 22, 2026, Maine Community Bank's highest tracked CD rate is 3.95% APY on a 12-month promotional CD ($500 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.00% to 2.25% APY.

Canonical page: https://apyledger.com/cd-rates/maine-community-bank
Institution: Maine Community Bank (FDIC 17741)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:11.000Z (October 22, 2026)
Official source: https://maine.bank/rates/
Coverage: Standard CDs from 91 days to 60 months with a $500 minimum, plus CD specials. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit (CD) | standard | 91 days | $500 | 2.25% | Not ZIP-priced | −2.04% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |
| Certificate of Deposit (CD) Special | promotional | 6 months | $500 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |
| Certificate of Deposit (CD) | standard | 6 months | $500 | 2.25% | Not ZIP-priced | −2.15% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |
| Certificate of Deposit (CD) Special | promotional | 12 months | $500 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |
| Certificate of Deposit (CD) | standard | 12 months | $500 | 2.00% | Not ZIP-priced | −2.57% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |
| Certificate of Deposit (CD) | standard | 18 months | $500 | 2.00% | Not ZIP-priced | −2.72% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |
| Certificate of Deposit (CD) | standard | 24 months | $500 | 2.00% | Not ZIP-priced | −2.87% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |
| Certificate of Deposit (CD) Special | promotional | 25 months | $500 | 3.95% | Not ZIP-priced | −0.92% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |
| Certificate of Deposit (CD) | standard | 36 months | $500 | 2.00% | Not ZIP-priced | −2.95% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |
| Certificate of Deposit (CD) | standard | 48 months | $500 | 2.00% | Not ZIP-priced | −2.98% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |
| Certificate of Deposit (CD) | standard | 60 months | $500 | 2.00% | Not ZIP-priced | −3.01% | 2026-10-23T03:02:11.000Z | [Snapshot 923](https://apyledger.com/snapshots/923) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.