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Deposit Rates
Deposit Rates
Effective As of 1/12/2026
| Account Type | Minimum Average Daily Interest to Earn Interest | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Maine Advantage Account | Minimum Average Daily Interest to Earn Interest $500 | Dividend Rate 3.445% | APY* 3.50% on balances up to $15,0001 |
Qualification requirements
Earn interest each month when you:
- Make at least ten (10) purchases with your Visa debit card linked to checking that post and settle to your account (ATM transactions are excluded)
- Minimum average daily balance of $500
Effective As of 1/12/2026
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| Minimum Balance $2,000 – $25,000 | Dividend Rate 0.995% | APY* 1.000% |
| Minimum Balance $25,000.01 – $50,000 | Dividend Rate 1.490% | APY* 1.50% |
| Minimum Balance $50,000.01 – $100,000 | Dividend Rate 1.736% | APY* 1.750% |
| Minimum Balance $100,000.01 – $250,000 | Dividend Rate 2.227% | APY* 2.25% |
| Minimum Balance $250,000.01 and over | Dividend Rate 2.813% | APY* 2.850% |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Effective As of 1/12/2026
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Christmas Club Savings | Minimum Balance 0.00 | Dividend Rate 0.00% | APY* 0.00%* |
| Account Type All Purpose Club Savings | Minimum Balance 0.00 | Dividend Rate 0.050% | APY* 0.05% |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Effective As of 1/12/2026
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Youth Savings (Marty Mountain & Teens) | Minimum Balance $5.00 | Dividend Rate 0.0050% | APY* 0.05% |
*APY=Annual Percentage Yield. Rates are subject to change without notice.
Effective As of 1/12/2026
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Health Savings Account (HSA) | Minimum Balance $0.00 | Dividend Rate 0.747% | APY* 0.75% |
*APY=Annual Percentage Rate and is subject to change at any time. Distribution of funds made for reasons other than qualified medical expenses may be subject to tax penalties. Please consult your tax advisor for more information. Maine State Credit Union is federally insured by the NCUA.
Effective As of 1/12/2026
| Term | Minimum Deposit | Rate | APY* |
|---|---|---|---|
| Term 3-Month Promo | Minimum Deposit $500 | Rate 0.00% | APY* 0.00%* |
| Term 6-Month | Minimum Deposit $500 | Rate 0.00% | APY* 0.00%* |
| Term 1-Year | Minimum Deposit $500 | Rate 0.00% | APY* 0.00%* |
| Term 18-Month | Minimum Deposit $500 | Rate 0.00% | APY* 0.00%* |
| Term 2-Year | Minimum Deposit $500 | Rate 0.00% | APY* 0.00%* |
| Term 3-Year | Minimum Deposit $500 | Rate 0.00% | APY* 0.00%* |
| Term 4-Year | Minimum Deposit $500 | Rate 0.00% | APY* 0.00%* |
| Term 5-Year | Minimum Deposit $500 | Rate 0.00% | APY* 0.00%* |
*APY=Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest 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. Certificates renew at the end of the quoted term with a 10-day grace period. Consult your financial or tax advisor to understand tax benefits and implications relevant to your retirement plans and current income.
Effective As of 08/04/2025
| Account Type | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Account Type IRA (Share Savings) | Minimum Balance N/A | Dividend Rate 0.000% | APY* 0.00%* |
| Account Type Roth IRA (Share Savings) | Minimum Balance N/A | Dividend Rate 0.000% | APY* 0.00%* |
*APY=Annual Percentage Yield. Rates are subject to change without notice. Consult your financial or tax advisor to understand tax benefits and implications relevant to your retirement plans.
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