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Your Path to Financial Success

Share Certificates

If you are interested in watching your investments grow, you would do well to consider a Central Maine FCU Share Certificate, which comes in a variety of terms with competitive rates.

HomeAccountsShare Certificates

Apply For a Loan Now!

Looking for an auto loan, personal loan or credit card? Apply for a loan here!

Auto Loan Rates

Take a look at our auto loan ratesExternal Website, as low as 4.48% APR*, for new untitled and used vehicles.

CD Rates

Take a look at our current 6 month CD ratesExternal Website at 4.00% with a 4.07% APY!

Student Loans

A student loanExternal Website designed for you. Apply for a student loan or refinance today!

IRAs (Individual Retirement Accounts)

  • A tax-deferred IRA Share Certificate can help you save money for your retirement, which will take you into the future safely and securely

  • For your convenience, deposits can be made by payroll deduction

Traditional and Roth IRA Share Certificates 

  • Fixed Rate: 6 to 60-month terms; Requires a $1,000 minimum deposit

  • Variable Rate: 12 and 24-month terms; Requires a $500 minimum deposit

The EASY IRA Share Certificate

  • 18-month variable rate

  • Open with $25.00 and make additional deposits in any amount

  • Subject to annual and income limitations at any time

  • It's an affordable way to save for your future

Item List 12 Month Fixed Rate Share Certificates 12 Month Fixed Rate IRA Share Certificates 12 Month Wealth Builder IRA Share Certificates
Min. Account Balance $1,000.00 $1,000.00 $1,000.00
APY** 4.02% 4.02% 4.13%

**Assumes dividends will be added to principal. Accrued dividends not paid if the account is closed before dividends are credited. Please see a financial services representative about additional terms and conditions.

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Coverdell Educational Savings

  • 6 to 60-month terms with minimum initial deposit of $500

  • Dividend rates are subject to change without notice. Accrued dividends are not paid if the account is closed before the dividends are credited

  • Please see or speak to a Financial Services Representative about additional terms and conditions and current savings and checking account rates

  • All IRAs are assessed a $10 closing fee when the account is closed

Get a Better Rate!

  • Ten (10) basis points for Member's Choice (if in the program as of the opening date of the share certificate)

  • The maximum combined rate premium is twenty (20) basis points, and rate premiums will not automatically occur at renewal

  • It is the responsibility of the member to request eligible premiums at the time of renewal

  • Members must have a $25 membership account