Deposit Rates

Credit unions sometimes use language like share savings, share drafts and share certificates. Because our organization is member owned and operated, the terminology may be unfamiliar. However, the products work the same. A share savings is a savings account. A share draft is a checking account. A share certificate is a certificate account. We also offer Individual Retirement Accounts, Health Savings Accounts and Club accounts. Should you have any questions, please contact your local branch office.


Rates are published as a convenience for our members.  The County Federal Credit Union will not be held responsible for typographical errors.  Rates are effective as of the current date at Caribou, Maine, United States of America which is in the timezone Eastern Time (GMT -5).  These rates are subject to change without notice.  These rates may be confirmed with any branch office of The County Federal Credit Union or by calling 1-877-318-3838 during normal business hours.


APR stands for Annual Percentage Rate
APY stands for Annual Percent Yield
Regular fees or other conditions could reduce the yield.
Interest penalty is required for early withdrawals.
Dividends are paid either monthly or quarterly, see each section below.
Accounts are Federal Insured to at least $250,000 by NCUA, an agency of the U.S. Government
NCUA stands for National Credit Union Administration

IRA stands for Individual Retirement Account
ESA stands for Educational Savings Account
HSA stands for Health Savings Account

Share, IRA & ESA Certificates

Dividends are paid monthly

Account Type Term APR APY Min. Balance
Share, IRA & ESA Certificates 3 Months 0.30%
0.30% $1,000

6 Months 0.40% 0.40% $1,000

1 Year
0.60% 0.60% $500

18 Months 0.70% 0.70% $500

2 Years
0.90% 0.90% $500

3 Years 1.25% 1.26% $500

4 Years 1.50% 1.51% $500

5 Years 2.00% 2.02% $500

Premium Savings

Dividends are paid monthly

Account Type APR APY
Min. Balance
Premium Savings
0.25%
0.25% $2,000.00-$10,000.00

0.30% 0.30% $10,000.01-$50,000.00

0.40% 0.40% $50,000.01-$100,000.00

0.50% 0.50% $100,000.01 & Over

IRA & ESA Club Account

Dividends are paid quarterly

Account Type APR APY
Min. Balance
IRA & ESA Club Account
0.25%
0.25% $100

Share Accounts

Dividends are paid quarterly

Account Type APR APY
Min. Balance
Share Account
0.20%
0.20% $0-$100.00

0.20% 0.20% $100.01-$500.00

0.20% 0.20% $500.01 & Over

Draft & HSA Account

Dividends are paid quarterly

Account Type APR APY
Min. Balance
Draft & HSA Account
0.00%
0.00% $0.00-$2,500.00

0.10% 0.10% $2,500.01 & Over