Rates

Rates effective as of 1/1/2017

APY = Annual Percentage Yield ; Fees may reduce earnings.

Checking & Savings

TypeAmountDividend RateAPY
High 5 Checking
Under $5,000 earns stated rate
0 - $5,000 3.50% 3.56%
$5,000 and over 0.10% 0.10%
Prime Advantage Checking  *Grandfathered Account

$10,000 minimum to earn stated rate

Under $10,000 0.00% 0.00%
$10,000 - $24,999 0.01% 0.01%
$25,000 - $49,999 0.01% 0.01%
$50,000 and over 0.02% 0.02%
Share Savings

$5.00 Minimum to Open
$100.00 Minimum to earn stated rate

Under $100 0.00% 0.00%
$100 - $499.99 0.01% 0.01%
$500 - $999.99 0.02% 0.02%
$1,000 and over 0.06% 0.06%
Club Accounts

Holiday Club - $1 minimum to open
Others - 1¢

- 0.06% 0.06%
Money Market

$25 minimum to open

Under $2,500 0.00% 0.00%
$2,500-$9,999 0.07% 0.07%
$10,000-$24,999 0.08% 0.08%
$25,000-$49,999 0.09% 0.09%
$50,000 and over 0.10% 0.10%
K.I.S.S. Money Market

$25.00 minimum to open

$0-$9,000

0.00%

0.25%

$10,000 and over

0.00%

0.10%

Premier Money Market & Premier IRA Money Market

$50,000 minimum to open; rate for Checking account with direct deposit

Under $2,500 0.00% 0.00%
$2,500 - $9,999 0.07% 0.07%
$10,000 - $24,999 0.08% 0.08%
$25,000 - $49,999 0.09% 0.09%
$50,000 - $99,999 0.10% 0.10%
$100,000 - $249,999 0.11% 0.11%
over $250,000 0.12% 0.12%

Consumer Loans

TypeTermAPR

(as low as) 

Auto Loan (2014 & newer) 7 years 5.09%
6 years 4.09%
5 years 3.29%
4 years 3.19%
3 years 2.89%
2 years 2.64%
1 years 2.29%
2010 - 2013

Rate varies based on year and mileage of vehicle

5 years 3.49%
4 years 3.49%
3 years 3.29%
2 years 2.99%
2009 & older

Rate varies based on year and mileage of vehicle

5 years 4.49%
4 years 4.49%
3 years 4.29%
2 years 3.99%
MasterCard® Velocity (formerly the "Gold") - 8.90%
MasterCard® Momentum (formerly the "Classic") - 13.90%
MasterCard® Evolution (formerly the "Essential") - 16.90%
Share Secured

Use your savings as collateral

- 5.0%

Overdraft Protection Line of Credit  

Maximum limit - $5,000

- 17.0%
Personal Loan 1 years 6.99%
2 years 7.99%
3 years 8.99%
4 years 11.99%
5 years 12.99%
6 years 13.99%
7 years 14.99%
Recreational Vehicle / Boat Loan

Up to $40,000; loans over $40,000 on a case-by-case basis
Rate varies based on year and mileage of vehicle

180 months 8.60%
144 months 8.10%
120 months 7.60%
108 months 7.10%
96 months 6.60%
7 years 5.85%
6 years 4.85%
5 years 3.54%
4 years 3.44%
3 years 3.14%
2 years 2.89%
1 years 2.54%
Fixed Rate Home Equity Loan

Rate varies based on your credit qualifications & home's equity; for up to 80% of home's value; other rates available for up to 90%. $5,000 minimum.

5 years 4.00%
10 years 4.25%
15 years 4.50%
20 years 4.75%
Adjustable Rate Home Equity Loan

Rate adjusts every 5 years, based on Prime Rate 30 days before the change date, plus a margin based on your credit qualifications. Rate changes capped at 2% every 5 years, 5% lifetime, with a floor of 3.00%. $5,000 min; $100,000 max.

10 years -------
15 years -------
20 years -------
Home Equity Line of Credit

10 year draw period. Borrow up to 80% of home's value; other rates available for up to 90%.

- 3.50%**

Interest Only Home Equity Line of Credit

10 year draw period. Borrow up to 80% of home's value; other rates available for up to 90%.

- 4.00**
Mortgage Loans

FOR NEW HOME PURCHASE OR REFINANCE. Visit our Mortgage Center for current rates or to apply for a mortgage.

APPLY NOW
Land Loan

Rate varies based on land's value up to 75% (LTV)

120 months 7.50%
Mobile Home Loans Financing of mobile homes on a foundation on land; call for scenario pricing.

1-800-499-8401 ext. 4110

*  FOR ALL TERMS: Rates effective for qualifying Maine properties up to 80% of home's value; other rates available up to 90% of homes value. 

**  APR based on Prime Rate plus a margin, and is based on equity & credit history.  Prime rate can vary monthly, your APR will adjust quarterly.  Floor is 3.00%, ceiling is 18%.

All Savings rates are quoted as Annual Percentage Yields.  Fees could reduce earnings on the account.  For Certificates: after the Certificate is open, the rate is fixed for the term; a penalty is imposed for early withdrawal.  Share, Share Draft, Money Market and Club accounts are variable rate accounts; rates may change at any time without notice.

Share Certificates

Term

$500 minimum to open

Dividend RateAPY
3 Months 0.10% 0.10%
5 Months NO PENALTY 0.15% 0.15%
6 Months 0.30% 0.30%
8 Months NO PENALTY 0.50% 0.50%
9 Months 0.40% 0.40%
1 Year 0.50% 0.50%
15 Months 0.50% 0.50%
18 Months NO LOSE

If rates go up, you can adjust your rate once

0.65% 0.65%
2 Years 0.90% 0.90%
3 Years 1.11% 1.12%
5 Years 1.50% 1.51%
7 Years 1.60% 1.61%
10 Years 1.80% 1.81%

Penalty for early withdrawal.

Jumbo Share Certificates

Term

$95,000 minimum to open

Dividend RateAPY
5 Months NO PENALTY 0.20% 0.20%
6 Months 0.35% 0.35%
8 Months NO PENALTY 0.55% 0.55%
9 Months 0.45% 0.45%
1 Year 0.55% 0.55%
15 Months 0.55% 0.55%
18 Months NO LOSE

If rates go up, you can adjust your rate once

0.75% 0.75%
2 Years 0.95% 0.95%
3 Years 1.15% 1.16%
5 Years 1.55% 1.56%
7 Years 1.65% 1.66%
10 Years 1.85% 1.86%

Penalty for early withdrawal.

IRA Savings

TypeDividend RateAPY
Traditional IRA Savings

No minimum to open

0.12% 0.12%
Roth IRA Savings

No minimum to earn stated rate

0.12% 0.12%
Education IRA Savings 0.12% 0.12%
Roth Conversion IRA Savings 0.12% 0.12%

IRA Share Certificates

Term

No minimum to open

Dividend RateAPY
5 Months NO PENALTY 0.20% 0.20%
8 Months NO PENALTY 0.35% 0.35%
9 Months 0.40% 0.40%
15 Months 0.60% 0.60%
18 Months NO LOSE

If rates go up, you can adjust your rate once

0.75% 0.75%
3 Years 1.20% 1.21%
5 Years 1.75% 1.76%
7 Years 1.80% 1.81%
10 Years 1.90% 1.92%

Business Rates

Business Checking & Savings

TypeAmountDividend RateAPY

Business Share Account 

Minimum Initial Deposit $25.00

25-99.99 0.0% 0.0%
$100 - $5,000 0.10% 0.10%
$5,000 - $10,000 0.15% 0.15%
over $10,000 0.16% 0.16%

Business Loans

TypeTermAPR

Business FFF

Minimum Initial Deposit $500.00

6 months 0.0%
12 months 0.10%
36 months 0.15%
0.16% 0.16%