Notice: Due to renovations at our Saco Main Street branch, our customer parking lot and the buildings' rear and side entrances will be closed daily from 6:00 a.m. to 12:00 p.m. The drive-up will remain open at this time. To learn more Click Here.
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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Rates & Fees

Looking for the best way to grow your money? With competitive CD rates and savings account rates, you can rest assured that your money is in good hands

Certificates of Deposit

Effective as of 10/28/2025

Rates MaturityInterest RateAPY*
5 Month CD Special4.89%5.00%
6 Month CD1.60%1.61%
12 Month CD2.20%2.22%
15 Month CD Special - initial deposit under $100,0003.93%4.00%
15 Month CD Special - initial deposit $100,000 or more4.07%4.15%
18 Month CD2.40%2.43%
22 Month CD Special3.93%4.00%
24 Month CD2.80%2.84%
30 Month CD2.80%2.84%
42 Month CD Special - initial deposit under $100,0003.25%3.30%
42 Month CD Special - initial deposit $100,000 or more3.50%3.56%
48 Month CD3.06%3.10%
60 Month CD3.13%3.18%
84 Month CD2.50%2.53%

Interest rates are subject to change without notice. Substantial penalty for early withdrawal. Minimum deposit of $500 is required to open a CD. Fees may reduce earnings.

*Annual Percentage Yield.

Savings Accounts

Effective as of 10/28/2025

Mainely Preferred Savings AccountInterest RateAPY*
Less than $25,0000.50%0.50%
At least $25,000 but less than $50,0000.80%0.80%
At least $50,000 but less than $100,0001.00%1.00%
At least $100,000 but less than $250,0001.40%1.41%
At least $250,000 but less than $500,0001.70%1.71%
At least $500,000 but less than $750,0002.47%2.50%
$750,000 or more2.72%2.75%

Fees may reduce earnings on these Savings Accounts. Rates are subject to change after account opening.

*Annual Percentage Yield.

**Annual percentage yield for this tier will range from 0.50% to 1.51% depending on the balance in the account.

Youth Savings Account

Effective as of 6/26/2023

BalancesInterest RateAPY *
$0 to $5,000.991.50%1.51%
$5,001.00 or more0.50%0.50% to 1.51%**

Fees may reduce earnings on these savings accounts.

Rates are subject to change after account opening.

*Annual Percentage Yield.

**The annual percentage yield for this tier will range from 0.50% to 1.51% depending on the account balance.

Checking Accounts

Effective as of 10/28/2025

AccountInterest RateAPY*
Mainely Now Account0.20%0.20%

Fees may reduce earnings on this account. Rates are subject to change after account opening.

*Annual Percentage Yield.

Savings Accounts

High-yield Savings Accounts. Health Savings Accounts. Accounts for 55+ savers (and young savers too).
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Checking

Free Checking Accounts, Online Checking Accounts, free Debit Cards and more.
Call to Action about Checking

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