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Highest Savings Rates in Maine
34 Maine-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Maine Rate:3.55%

The Maine market

Maine accounts

34

Institutions

19

Top Maine APY

3.55% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

34 savings accounts are open only to Maine residents, from 19 institutions. The highest advertised APY among them is 3.55%.

The highest nationally available rate is 5.00% APY, 145 basis points above the Maine leader.

15 of the 34 Maine savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Maine-Specific Savings Accounts

These savings accounts are specifically available to Maine residents.

#1

South Shore Bank

High-Yield Savings

+$340
per year
3.40% APY
Oct 3, 2026

On balances of $10,000 to $2,499,999.99 · 0.01% below

APY Range: 0.01% – 3.40%
FDIC InsuredHigh MinimumIn-Person Access

What to Watch

The preferred rate applies only to a balance from $10,000 up to $2,500,000. A balance below or above that range earns the bank's base rate on the entire balance. The account must be opened with funds not already on deposit at the bank, and deposits are capped at $2,500,000 per household. Online opening is limited to residents of Massachusetts, New Hampshire, Connecticut, Rhode Island, Vermont and Maine.

Show Fine Print & Trends
Min. Deposit$10,000
Min. Balance$10,000
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 90303)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSouth Shore Bank

Direct Link to Product Page (Not Sponsored)

#2

PNC

PNC High Yield Savings

+$315
per year
3.15% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$1
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
BranchesMultiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
Deposit InsuranceFDIC Insured(Cert: 6384)
EligibilityAK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY
Zelle®
SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePNC

Direct Link to Product Page (Not Sponsored)

#3

Citibank

Citi Accelerate Savings

+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
BranchesU.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityAlaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Zelle®
SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings
BBB Rating
D-(Not BBB Accredited)

Rate Stability

Rate Increased
+0.20%
Since 30 days ago
Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

#4

Northeast Bank

Growth Savings

+$300
per year
3.50% APY
Oct 7, 2026

Needs at least $250,000

APY Range: 3.00% – 3.50%
FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

This is a tiered savings account where the statedmAPY may be earned on a balance above $250,000, while balances below that receive a lower APY.

Show Fine Print & Trends
Min. Deposit$2,500
Min. Balance$0.01
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Branches7 locations in Maine (Western, Central and Southern)
Deposit InsuranceFDIC Insured(Cert: 19690)
EligibilityAvailable to Maine and New Hampshire residents only.
Zelle®
SupportedNative app support verified.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteNortheast Bank

Direct Link to Product Page (Not Sponsored)

#5

Saco & Biddeford Savings Institution

Mutual High Yield Savings

+$300
per year
3.00% APY
Oct 3, 2026

On balances up to $99,999.99 · 0.10% above

APY Range: 0.10% – 3.00%
FDIC InsuredLinked AccountNo MinimumsIn-Person Access

What to Watch

The stated APY applies only up to $100,000. Balances above that earn a blended rate that falls as the balance grows. The account requires an active Mutual Checking or Mutual Interest Checking account, and it converts to an Essential Money Market if that checking account is closed. One account is allowed for each primary customer.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17743)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteSaco & Biddeford Savings Institution

Direct Link to Product Page (Not Sponsored)

#6

Northeast Bank

Propel Preferred Savings

+$275
per year
2.75% APY
Oct 7, 2026
FDIC InsuredLinked AccountLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

The stated APY requires an active Propel Premier Checking account, or a much lower APY applies. See bank for details.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Branches7 locations in Maine (Western, Central and Southern)
Deposit InsuranceFDIC Insured(Cert: 19690)
EligibilityAvailable to Maine residents only.
Zelle®
SupportedNative app support verified.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteNortheast Bank

Direct Link to Product Page (Not Sponsored)

#7

The Camden National Bank

High-Yield Savings Account

+$265
per year
3.10% APY
Oct 7, 2026

Needs at least $250,000

APY Range: 0.01% – 3.10%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

A personal Camden National Bank checking account is required, either held already or opened at the same time. The account must be funded with new money: transfers from an existing Camden National Bank account are not eligible.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4255)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteThe Camden National Bank

Direct Link to Product Page (Not Sponsored)

#8

Auburn Savings Bank, FSB

Premier Growth Savings

+$250
per year
2.50% APY
Oct 7, 2026

On balances up to $150,000 · no rate stated above

FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

The stated rate applies to balances up to $150,000 and requires a linked Premier Rewards or Premier Cash Back Rewards checking account whose monthly qualifications are met: at least 12 debit card purchases, at least one direct deposit or ACH transaction, and enrolment in e-statements. Balances above $150,000 earn a lower blended yield. In any monthly cycle where the qualifications are not met, every balance earns the base rate instead.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28288)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteAuburn Savings Bank, FSB

Direct Link to Product Page (Not Sponsored)

#9

Maine Community Bank

207 Savings

+$207
per year
2.07% APY
Oct 7, 2026

On balances up to $249,999.99 · 0.00% above

APY Range: 0.00% – 2.07%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The stated APY applies only to balances up to $249,999.99. A balance of $250,000.00 or more earns no interest at all, rather than a lower rate.

Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17741)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMaine Community Bank

Direct Link to Product Page (Not Sponsored)

#10

Bangor Savings Bank

Market Rate Savings

+$25
per year
0.40% APY
Oct 7, 2026

Needs at least $25,000

APY Range: 0.00% – 0.40%
FDIC InsuredMod. MinimumIn-Person Access

What to Watch

Variable rate. The rate can change after the account is opened.

Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$5,000
Maintenance Fee$10.00 monthly service charge waived by maintaining a $5,000+ balance
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18408)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBangor Savings Bank

Direct Link to Product Page (Not Sponsored)

#11

Aroostook County Federal Savings and Loan Association

Statement Savings

+$20
per year
0.20% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$5
Min. BalanceN/A
Maintenance Fee$0
Compound Freqcontinuously
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29743)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteAroostook County Federal Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#12

Auburn Savings Bank, FSB

Statement Savings

+$10
per year
0.15% APY
Oct 7, 2026

Needs at least $150,000

APY Range: 0.05% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$25
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28288)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteAuburn Savings Bank, FSB

Direct Link to Product Page (Not Sponsored)

#13

Bar Harbor Savings and Loan Association

Statement Savings Account

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$5
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 30878)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBar Harbor Savings and Loan Association

Direct Link to Product Page (Not Sponsored)

#14

Kennebec Savings Bank

Statement Savings

+$10
per year
0.20% APY
Oct 7, 2026

Needs at least $20,000

APY Range: 0.05% – 0.20%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17897)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteKennebec Savings Bank

Direct Link to Product Page (Not Sponsored)

#15

Kennebec Savings Bank

Premier Savings

+$10
per year
0.45% APY
Oct 7, 2026

Needs at least $500,000

APY Range: 0.00% – 0.45%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17897)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteKennebec Savings Bank

Direct Link to Product Page (Not Sponsored)

#16

Saco & Biddeford Savings Institution

High Balance Savings

+$10
per year
3.55% APY
Oct 3, 2026

Needs at least $5,000,000

APY Range: 0.10% – 3.55%
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17743)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteSaco & Biddeford Savings Institution

Direct Link to Product Page (Not Sponsored)

#17

Bangor Savings Bank

Statement Savings

+$5
per year
0.05% APY
Oct 7, 2026

Needs at least $25

APY Range: 0.00% – 0.05%
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate can change after the account is opened.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$25
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18408)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBangor Savings Bank

Direct Link to Product Page (Not Sponsored)

#18

Bangor Savings Bank

Benefit Savings

+$5
per year
0.05% APY
Oct 7, 2026

Needs at least $25

APY Range: 0.00% – 0.05%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Variable rate. The rate can change after the account is opened.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$25
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 18408)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBangor Savings Bank

Direct Link to Product Page (Not Sponsored)

#19

Eagle Bank

Passbook Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

No transfers to another account or to a third party are permitted, so withdrawals must be made at a branch. Closing the account within 90 days of opening costs $25.00.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$250
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 90191)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteEagle Bank

Direct Link to Product Page (Not Sponsored)

#20

Eagle Bank

Statement Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$100
Maintenance Fee$0
Compound Freqmonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 90191)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteEagle Bank

Direct Link to Product Page (Not Sponsored)

#21

First Federal Savings and Loan Association of Bath

Savings Account

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29636)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Federal Savings and Loan Association of Bath

Direct Link to Product Page (Not Sponsored)

#22

Kennebunk Savings Bank

Harbor Savings Account

+$5
per year
0.10% APY
Oct 7, 2026

Needs at least $100,000

APY Range: 0.01% – 0.10%
FDIC InsuredNo MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$0.01
Min. Balance$0.01
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13063)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteKennebunk Savings Bank

Direct Link to Product Page (Not Sponsored)

#23

Maine Community Bank

Essential Savings

+$5
per year
0.10% APY
Oct 7, 2026

Needs at least $25,000

APY Range: 0.05% – 0.10%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$1
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17741)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteMaine Community Bank

Direct Link to Product Page (Not Sponsored)

#24

Northeast Bank

Propel Fusion Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

The stated APY requires an active Propel Premier Checking account, or a much lower APY applies. See bank for details.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Branches7 locations in Maine (Western, Central and Southern)
Deposit InsuranceFDIC Insured(Cert: 19690)
EligibilityAvailable to Maine residents only.
Zelle®
SupportedNative app support verified.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteNortheast Bank

Direct Link to Product Page (Not Sponsored)

#25

Rockland Savings Bank, FSB

RSB Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28369)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteRockland Savings Bank, FSB

Direct Link to Product Page (Not Sponsored)

#26

Rockland Savings Bank, FSB

Rocky's RSB Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 28369)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteRockland Savings Bank, FSB

Direct Link to Product Page (Not Sponsored)

#27

Bank of America

Advantage Savings

+$4
per year
0.04% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$8
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#28

Skowhegan Savings Bank

Integrity Savings

+$4
per year
0.04% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

An account holder under 18 opens the account with $1.00 rather than the general minimum, and pays no monthly service charge.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$25
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 19532)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSkowhegan Savings Bank

Direct Link to Product Page (Not Sponsored)

#29

The Camden National Bank

Promise Savings Account

+$3
per year
0.05% APY
Oct 7, 2026

Needs at least $100,000

APY Range: 0.02% – 0.05%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4255)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteThe Camden National Bank

Direct Link to Product Page (Not Sponsored)

#30

Bank of America

Advantage Relationship Banking

+$1
per year
0.02% APY
Oct 13, 2026

Needs at least $50,000

APY Range: 0.01% – 0.02%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#31

South Shore Bank

Free Savings

+$1
per year
0.01% APY
Oct 3, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Online opening is limited to residents of Massachusetts, New Hampshire, Connecticut, Rhode Island, Vermont and Maine.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 90303)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSouth Shore Bank

Direct Link to Product Page (Not Sponsored)

#32

TD Bank

TD Signature Savings

+$1
per year
2.50% APY
Oct 13, 2026

Needs a linked account at the bank and at least $250,000 · 0.01% to 0.05% without the linked account

APY Range: 0.01% – 2.50%
FDIC InsuredHigh MinimumLinked AccountGreat iOS AppGreat Android AppIn-Person Access

What to Watch

Tiered savings account. Rates can vary by location and by eligibility for the relationship rate bump. The highest rate needs a linked eligible TD account and a balance of at least $250,000.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$250,000
Maintenance Fee$15. Waived with a $10,000 minimum daily balance or a linked TD Beyond or TD Complete checking account.
Compound FreqMonthly
Direct DepositNot required
BranchesMultiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit InsuranceFDIC Insured(Cert: 18409)
EligibilityUnited States
Mobile Ratings
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteTD Bank

Direct Link to Product Page (Not Sponsored)

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in Maine.

InstitutionProduct / Term
Axos Bank
Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate
Up to5.00%
GO2bank
High Yield Savingsfirst $5,000 only · needs a linked account at the bank
Up to4.50%
Elevault
High Yield Savings Account
4.34%
Peak Bank
Envision High Yield Savingsup to $499,999.99 only
4.27%
Betterment
Cash Reservepromotional rate
Up to4.25%
Neighbors Bank
Neighbors Savings Account
4.25%
Pibank
Pibank Savings
4.25%
EverBank
Performance Savings
4.20%

See the full national list